Is German American Bank Safe?
German American Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (96/100), while liquidity is its weakest area (89/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.72% | 90/100 |
| Nonperforming Loan Ratio | 0.18% | 96/100 |
| Liquidity Ratio | 27.37% | 89/100 |
| Return on Assets | 1.73% | 89/100 |
| Total Assets | $6.2B | |
How does German American Bank compare?
With a Bank Health Score of 92/100, German American Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, German American Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 13.72% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.18% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, German American Bank's Bank Health Score held roughly steady at 92/100. Tier 1 capital weakened by 0.37 percentage points to 13.72%. Quarter-over-quarter, the score rose by 1.0 points.
German American Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is loan quality (96/100), while liquidity is its weakest area (89/100).