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German American Bancorp GABC Core Banking — Salaries and Employee Benefits

Other segment segments

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Other financials

Income statement

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Revenue$100.0M+11.2%
Net income$38.2M+21.7%
EPS (diluted)$1.02+21.4%

Balance sheet

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Cash & equivalents$94.2M-53.0%
Total debt$7.1M+14.1%
Total equity$1.2B+13.3%
Total assets$8.4B+1.9%

Cash flow

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Operating cash flow$58.1M+116%
CapEx$2.9M+280%
Free cash flow$55.3M+111%

Valuation

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Market cap$1.87B+30.4%
Enterprise value$1.78B+43.8%
P/E13.1×-3.5×
P/S4.8×0.0×

Profitability

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Net margin36.8%+8.0pp
FCF margin47.2%+9.1pp

Returns & leverage

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Return on equity12.5%+2.7pp
Debt / equity0.0×

Where this comes from

Reported directly by German American Bancorp in its filing.

Tagged under the XBRL concept us-gaap:LaborAndRelatedExpense.

The source filing: German American Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:31 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000714395-26-000032
Three Months Ended June 30, 2026Core BankingWealth Management ServicesOtherConsolidated Totals
Interest on Deposits25,26025,260
Interest on FHLB Advances and Other Borrowings1,0627361,798
Provision for Credit Losses1,5001,500
Salaries and Employee Benefits24,6692,33214127,142
Reconciliation of Income before Income Taxes:
Other Non-interest Expense23,240
Elimination of Intersegment Expenses(84)
Income before Income Taxes$48,072

Item 1. Unaudited Financial Statements

FAQ

What is German American Bancorp's core banking — salaries and employee benefits?
German American Bancorp (GABC) reported core banking — salaries and employee benefits of $24.67M in Q2 2026.
How has German American Bancorp's core banking — salaries and employee benefits changed year-over-year?
German American Bancorp's core banking — salaries and employee benefits increased by 1.7% year-over-year, from $24.25M to $24.67M.
What is the long-term trend for German American Bancorp's core banking — salaries and employee benefits?
Over 3 years (2022 to 2025), German American Bancorp's core banking — salaries and employee benefits has grown at a 11.1% compound annual growth rate (CAGR), from $72.24M to $98.98M.
What does core banking — salaries and employee benefits mean?
This captures the total personnel-related expenses, including wages, bonuses, and benefits, for staff within the core banking segment. It is a primary component of non-interest expense and reflects the operational cost of maintaining the bank's workforce.

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