German American Bank: how it compares with its peers
Against 214 U.S. banks with half to twice its assets, German American Bank's strongest measure in Q2 2026 is return on assets (1.76% vs. a 1.31% peer median). Its weakest relative measure is assets per employee ($8.4M vs. $10.0M).
| Measure | German American Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.31% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 3.69% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.48% | 54.98% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $10.0M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.95% | 88.63% | Context |
What it means for lending operations
Its efficiency ratio of 48.48% is better than the 54.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Heritage Bank Olympia, WA · $8.42B
- CNB Bank Clearfield, PA · $8.41B
- BankPlus Belzoni, MS · $8.38B
- Forbright Bank Potomac, MD · $8.48B
- Cross River Bank Fort Lee, NJ · $8.53B
- Poppy Bank Santa Rosa, CA · $8.32B
Questions about German American Bank
How big is German American Bank?
German American Bank, established in 1910, is headquartered in Jasper, IN. It reported $8.43B in total assets in its Q2 2026 FDIC call report and operates 96 offices.
What is German American Bank's return on assets?
1.76% annualized in Q2 2026, against a 1.31% median for 214 U.S. banks with half to twice its assets, ahead of 83% of them.
What is German American Bank's efficiency ratio?
48.48% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 54.98%, and lower is better.
Is German American Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.