German American Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
German American Bancorp has total assets of $6.3B and total equity of $744.6M. Total deposits are $5.3B, and total loans are $4.0B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $201.9M.
Key information
8.4x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$5.27b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$201.86m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GAB's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: GAB has a sufficient allowance for bad loans (455%).
Low Risk Liabilities: 96% of GAB's liabilities are made up of primarily low risk sources of funding.
Loan Level: GAB has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: GAB's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: GAB has an appropriate level of bad loans (0.2%).