German American Bancorp, Inc. (GABC)

Solvency & Capital Structure

Total Debt

$169M

Net Debt

$89.4M

German American Bancorp, Inc. currently has $169M in total debt. Net debt is $89.4M after cash offsets.

Financial Fundamentals

GABC • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.17	0.08	0.09	8.44	2.0%
2026-03-31	0.17	0.08	0.10	8.38	2.1%
2025-12-31	0.18	1.23	-1.05Net Cash	8.39	2.2%
2025-09-30	0.21	1.25	-1.04Net Cash	8.40	2.5%
2025-06-30	0.20	1.22	-1.01Net Cash	8.28	2.4%
2025-03-31	0.22	1.19	-0.97Net Cash	8.42	2.6%
2024-12-31	0.21	1.12	-0.91Net Cash	6.30	3.3%
2024-09-30	0.20	1.63	-1.42Net Cash	6.26	3.3%
2024-06-30	0.17	1.44	-1.28Net Cash	6.22	2.7%
2024-03-31	0.19	1.59	-1.40Net Cash	6.11	3.1%
2023-12-31	0.19	1.68	-1.48Net Cash	6.15	3.2%
2023-09-30	0.29	1.55	-1.26Net Cash	6.01	4.8%
2023-06-30	0.23	1.68	-1.45Net Cash	6.05	3.8%
2023-03-31	0.19	1.74	-1.55Net Cash	6.00	3.2%
2022-12-31	0.20	1.84	-1.63Net Cash	6.16	3.3%
2022-09-30	0.15	1.77	-1.63Net Cash	6.26	2.3%
2022-06-30	0.14	1.93	-1.79Net Cash	6.47	2.2%
2022-03-31	0.16	1.99	-1.83Net Cash	6.70	2.3%
2021-12-31	0.15	1.94	-1.79Net Cash	5.61	2.7%
2021-09-30	0.19	1.75	-1.57Net Cash	5.48	3.4%
2021-06-30	0.21	1.64	-1.44Net Cash	5.35	3.8%
2021-03-31	0.17	1.49	-1.32Net Cash	5.22	3.3%
2020-12-31	0.19	1.28	-1.08Net Cash	4.98	3.9%
2020-09-30	0.21	1.10	-0.88Net Cash	4.85	4.4%
2020-06-30	0.22	1.02	-0.80Net Cash	4.85	4.5%
2020-03-31	0.21	0.93	-0.72Net Cash	4.32	4.8%
2019-12-31	0.35	0.92	-0.57Net Cash	4.40	8.0%
2019-09-30	0.32	0.92	-0.60Net Cash	4.36	7.3%
2019-06-30	0.31	0.89	-0.58Net Cash	3.97	7.7%
2019-03-31	0.32	0.87	-0.55Net Cash	3.90	8.1%
2018-12-31	0.38	0.88	-0.50Net Cash	3.93	9.6%
2018-09-30	0.33	0.79	-0.46Net Cash	3.36	9.7%
2018-06-30	0.35	0.80	-0.44Net Cash	3.34	10.6%
2018-03-31	0.27	0.77	-0.50Net Cash	3.13	8.8%
2017-12-31	0.28	0.79	-0.51Net Cash	3.14	8.8%
2017-09-30	0.26	0.79	-0.52Net Cash	3.07	8.5%
2017-06-30	0.26	0.78	-0.51Net Cash	3.00	8.8%
2017-03-31	0.24	0.76	-0.52Net Cash	2.93	8.2%
2016-12-31	0.26	0.76	-0.50Net Cash	2.96	8.7%
2016-09-30	0.28	0.77	-0.49Net Cash	2.98	9.4%
2016-06-30	0.28	0.76	-0.48Net Cash	2.92	9.5%
2016-03-31	0.28	0.75	-0.47Net Cash	2.87	9.7%
2015-12-31	0.27	0.67	-0.40Net Cash	2.37	11.5%
2015-09-30	0.24	0.67	-0.43Net Cash	2.31	10.3%
2015-06-30	0.24	0.65	-0.41Net Cash	2.26	10.6%
2015-03-31	0.18	0.65	-0.48Net Cash	2.24	8.0%
2014-12-31	0.21	0.66	-0.46Net Cash	2.23	9.2%
2014-09-30	0.21	0.61	-0.41Net Cash	2.21	9.4%
2014-06-30	0.23	0.66	-0.43Net Cash	2.19	10.3%
2014-03-31	0.16	0.66	-0.50Net Cash	2.15	7.5%
2013-12-31	0.14	0.64	-0.50Net Cash	2.16	6.5%
2013-09-30	0.19	0.66	-0.46Net Cash	2.06	9.3%
2013-06-30	0.18	0.64	-0.47Net Cash	2.01	8.7%
2013-03-31	0.11	0.66	-0.54Net Cash	1.98	5.8%
2012-12-31	0.16	0.63	-0.47Net Cash	2.01	8.0%
2012-09-30	0.14	0.04	0.10	1.96	7.2%
2012-06-30	0.14	0.04	0.11	1.94	7.4%
2012-03-31	0.12	0.03	0.08	1.91	6.0%
2011-12-31	0.13	0.55	-0.42Net Cash	1.87	7.0%
2011-09-30	0.13	0.04	0.09	1.87	7.0%
2011-06-30	0.12	0.04	0.08	1.82	6.6%
2011-03-31	0.11	0.04	0.07	1.76	6.3%
2010-12-31	0.15	0.02	0.14	1.38	11.2%
2010-09-30	0.14	0.02	0.12	1.36	10.1%
2010-06-30	0.16	0.02	0.14	1.34	11.8%
2010-03-31	0.15	0.02	0.14	1.25	12.1%
2009-12-31	0.15	0.02	0.13	1.24	11.9%
2009-09-30	0.15	0.02	0.13	1.23	11.9%
2009-06-30	0.15	0.04	0.10	1.22	12.1%
2009-03-31	0.13	0.02	0.11	1.20	10.8%
2008-12-31	0.13	0.02	0.11	1.19	11.1%
2008-09-30	0.16	0.02	0.14	1.18	13.4%
2008-06-30	0.14	0.03	0.11	1.17	11.9%
2008-03-31	0.14	0.03	0.12	1.17	12.3%
2007-12-31	0.14	0.03	0.12	1.13	12.7%
2007-09-30	0.12	0.02	0.10	1.14	10.5%
2007-06-30	0.10	0.03	0.08	1.12	9.3%
2007-03-31	0.10	0.02	0.08	1.09	9.5%
2006-12-31	0.12	0.02	0.10	1.09	11.0%
2006-09-30	0.13	0.03	0.10	1.06	12.5%
2006-06-30	0.12	0.03	0.09	1.02	11.7%
2006-03-31	0.12	0.03	0.09	1.03	11.5%
2005-12-31	0.11	0.03	0.08	0.95	11.1%
2005-09-30	0.11	0.02	0.09	0.92	12.1%
2005-06-30	0.10	0.02	0.09	0.91	11.5%
2005-03-31	0.10	0.02	0.08	0.91	10.6%
2004-12-31	0.10	0.02	0.07	0.94	10.1%
2004-09-30	0.11	0.03	0.08	0.93	11.6%
2004-06-30	0.11	0.03	0.09	0.93	12.4%
2004-03-31	0.10	0.02	0.07	0.92	10.7%
2003-12-31	0.15	0.03	0.12	0.93	16.0%
2003-09-30	0.11	0.04	0.07	0.92	12.4%
2003-06-30	0.13	0.03	0.10	0.94	14.1%
2003-03-31	0.14	0.03	0.11	0.94	14.7%
2002-12-31	0.13	0.03	0.10	0.96	13.8%
2002-09-30	0.16	0.03	0.14	1.00	16.3%
2002-06-30	0.17	0.03	0.14	0.99	16.7%
2002-03-31	0.17	0.02	0.14	0.99	16.7%
2001-12-31	0.17	0.04	0.14	1.02	17.2%
2001-09-30	0.18	0.02	0.15	0.99	17.7%
2001-06-30	0.18	0.02	0.16	1.01	18.3%
2001-03-31	0.18	0.02	0.16	0.99	18.1%
2000-12-31	0.24	0.03	0.21	1.08	21.8%
2000-09-30	0.22	0.02	0.20	1.01	21.6%
2000-06-30	0.24	0.02	0.22	1.01	23.9%
2000-03-31	0.20	0.02	0.18	0.99	19.6%
1999-12-31	0.32	0.03	0.29	1.06	30.6%
1999-09-30	0.17	0.04	0.13	0.98	17.3%
1999-06-30	0.15	0.03	0.11	0.93	15.9%
1999-03-31	0.12	0.05	0.07	0.90	13.4%
1998-12-31	0.13	0.05	0.08	0.90	14.7%
1998-09-30	0.01	0.02	-0.02Net Cash	0.61	1.4%
1998-06-30	0.01	0.04	-0.03Net Cash	0.59	0.9%
1998-03-31	0.01	0.02	-0.02Net Cash	0.50	1.1%
1997-12-31	0.01	0.04	-0.04Net Cash	0.58	1.0%
1997-09-30	0.01	0.03	-0.03Net Cash	0.49	1.1%
1997-06-30	0.00	0.02	-0.01Net Cash	0.48	0.9%
1997-03-31	0.01	0.02	-0.01Net Cash	0.48	1.5%
1996-12-31	0.00	0.03	-0.03Net Cash	0.40	0.5%
1996-09-30	0.00	0.02	-0.02Net Cash	0.38	0.8%