Total Assets
$8.4B
Total balance-sheet footings
FDIC Cert #17393 · Jasper, Indiana · Est. 1910
German American Bank - FDIC Bank Health Profile
A community-scale look at German American Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $8.4B
- Total assets
- A
- Health grade · Excellent
- 1.46%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
German American Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.91% Tier 1, profitable at 1.46% ROA, efficient (51% cost ratio).
- #189
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 12.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How German American Bank's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
German American Bank's composite health score
Tier 1 Capital Ratio (12.91%) 35/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (2.46%) 20/20
Efficiency Ratio (50.64%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$7.0B
Customer-funded liabilities
Net Loans
$5.8B
Outstanding loan book
Net Income
$122M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where German American Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. German American Bank's score of 87/100 falls in the highlighted band.
German American Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). German American Bank's $8.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.91%
Texas Ratio
2.46%
Equity Capital
$1.1B
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
11.71%
Efficiency Ratio
50.64%
What the numbers say about German American Bank
German American Bank is an FDIC-insured institution (Certificate #17393) headquartered in Jasper, Indiana, established in 1910. It holds $8.4B in total assets - 189th of 4,313 FDIC-insured banks, $7.0B in customer deposits, and $5.8B in net loans. On safety, its Tier 1 capital ratio of 12.91% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.46% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
German American Bank's asset base places it among the largest FDIC-insured institutions in the country, 189th of 4,313 nationally, and 6th of 90 banks headquartered in Indiana. Only 1st Source Bank ($9.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$420M
Interest Income
$66M
Non-Interest Income
$196M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. German American Bank reports a Texas Ratio of 2.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) German American Bank (FDIC Cert #17393) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
| United Fidelity Bank, fsbEvansville | $6.3B | D | -0.09% |
Frequently asked questions
What is German American Bank's health grade?▼
German American Bank receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is German American Bank?▼
German American Bank holds $8.4B in total assets and $7.0B in deposits, ranking 189th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jasper, Indiana.
Is my money safe at German American Bank?▼
Yes, deposits at German American Bank (Certificate #17393) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is German American Bank's Tier 1 Capital Ratio?▼
German American Bank has a Tier 1 Capital Ratio of 12.91%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for German American Bank?▼
German American Bank has a Texas Ratio of 2.46%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is German American Bank?▼
German American Bank has an Efficiency Ratio of 50.64%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read German American Bank's profile as a depositor or analyst.
- German American Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare German American Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.