Peer Analysis

Performance Ratios (%) GABC Peer Median Peer Average
ROAA 1.25 1.22 1.23
ROAE 9.72 9.50 9.83
Net Interest Margin 3.82 3.46 3.52
Efficiency Ratio 56.14 57.05 55.33
Loans / Deposits 82.08 92.36 89.31
Asset Quality Ratios (%)
NPAs / Assets 0.34 0.51 0.56
NCOs / Avg Loans 0.16 0.09 0.10
Reserves / Loans 1.29 1.30 1.28
Reserves / NPAs 253.74 180.17 168.67
Capital Ratios (%)
Tier 1 Capital 13.35 13.53 13.47
Tangible Equity / Tangible Assets 9.79 9.89 10.07
Total Equity / Total Assets 12.26 12.24 12.22
Market Ratios
Price / Earnings (x) 12.93 9.07 9.54
Price / Book (%) 120.44 72.56 90.05
Dividend Yield (%) 2.81 4.06 3.93
Data for trailing four quarters

German American Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), First Financial Corporation (THFF), First Merchants Corporation (FRME), Horizon Bancorp, Inc. (HBNC), Lakeland Financial Corporation (LKFN), MutualFirst Financial, Inc., Old National Bancorp (ONB)

German American Bancorp, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

MutualFirst Financial, Inc.'s financial data is as of 12/31/2019.