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German American Bancorp GABC Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

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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$1.9B+32.5%
Enterprise value$1.81B+46.3%
P/E13.4×-3.3×
P/S4.9×+0.1×

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:BankOwnedLifeInsurance.

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
Line itemJune 30,2026December 31,2025
Other Real Estate68
Goodwill375,470375,470
Intangible Assets28,89433,790
Company Owned Life Insurance110,865109,585
Accrued Interest Receivable and Other Assets132,008131,329
TOTAL ASSETS$8,439,998$8,388,780
LIABILITIES
Non-interest-bearing Demand Deposits$1,967,770$1,944,831

Item 1. Unaudited Financial Statements

FAQ

What is German American Bancorp's bank owned life insurance?
German American Bancorp (GABC) reported bank owned life insurance of $110.87M in Q2 2026.
How has German American Bancorp's bank owned life insurance changed year-over-year?
German American Bancorp's bank owned life insurance increased by 2.4% year-over-year, from $108.29M to $110.87M.
What is the long-term trend for German American Bancorp's bank owned life insurance?
Over 5 years (2020 to 2025), German American Bancorp's bank owned life insurance has grown at a 9.6% compound annual growth rate (CAGR), from $69.25M to $109.59M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees or officers. The bank acts as the beneficiary, and the policy provides a tax-advantaged method to offset the costs of employee benefit programs. It is a long-term asset that contributes to non-interest income through periodic increases in cash surrender value.

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