German American Bancorp Inc
germanamerican.comWhat Do They Do?
Takes deposits and makes consumer and business loans, and provides wealth-management, brokerage and financial-planning services to individuals and businesses in its local markets.
10-K for FY2025, filed Feb 27, 2026
How Do They Make Money?
Earns interest on loans and investments funded by deposits and borrowings, alongside fees for banking transactions, account services and wealth services. Transaction fees are earned when transactions occur; wealth fees are mainly earned over monthly or quarterly service periods.
10-K for FY2025, filed Feb 27, 2026The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and…View ↗
Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and…View ↗
Interchange Fee Income: The Company earns interchange fees from debit/credit cardholder transactions conducted through various payment…View ↗
Wealth Management Fees: The Company earns wealth management and investment services income from its contracts with wealth management…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Topic 606 revenue) ↗
$487.4M
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10-K for FY2025, filed Feb 27, 2026
$487.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Wealth Management Fees
|
27%
FY2022: 18%
|
Wealth Management Fees, FY2025
$16.8M Sources
|
|
|
Insurance Revenues
Recurring
|
0.0%
FY2022: 18%
|
Insurance Revenues, FY2025
$0 Sources
|
Recurring |
|
Other Revenues
|
73%
FY2022: 64%
|
Other Revenues, FY2025
$46M Sources
|
Who Are Their Customers?
Consumers and businesses in local markets use German American Bank for deposits and loans. Wealth customers receive trust, investment advisory, brokerage and retirement-planning services through the bank and its brokerage subsidiary.
10-K for FY2025, filed Feb 27, 2026The Company’s lines of business include retail and commercial banking, and wealth management services. Our retail and commercial banking…View ↗
German American Bancorp, Inc. is a Nasdaq-listed (symbol: GABC) financial holding company based in Jasper, Indiana. German American…View ↗
The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 23 cents of every revenue dollar as net income in FY2025 and turned 32 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 2.9x in 4 years, from $170.4M in FY2021 to $487.4M in FY2025, about 30% a year.
Insurance agency sale
The older report described a property-and-casualty agency selling personal and corporate coverage. The latest report says the company sold substantially all of the agency's assets and will refrain from some insurance activities after the sale.
10-K for FY2022, filed Mar 1, 2023 10-K for FY2025, filed Feb 27, 2026The Company’s lines of business include retail and commercial banking, wealth management services, and insurance operations. Our retail and…View ↗
Effective June 1, 2024, German American Insurance, Inc. (“GAI”), a wholly-owned subsidiary of the Bank, sold substantially all of its…View ↗
Expanded into Ohio
The older report described banking offices in southern Indiana and Kentucky. The latest report also describes banking offices in central and southwest Ohio, following the Heartland acquisition.
10-K for FY2022, filed Mar 1, 2023 10-K for FY2025, filed Feb 27, 2026German American Bancorp, Inc. is a Nasdaq-traded (symbol: GABC) financial holding company based in Jasper, Indiana. German American…View ↗
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