How has German American Bancorp's provision for credit losses changed year-over-year?

German American Bancorp's provision for credit losses increased by 12.0% year-over-year, from $625K to $700K.

German American Bancorp GABC Provision for Credit Losses

Discontinued — last reported Q3 '25

Segments

By segment

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Core Banking$2M-86.9%

Wealth Management Services$0—

Other financials

Income statement

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Revenue$96.1M+18.0%

Net income$33.2M+215%

EPS (diluted)$0.88+193%

Balance sheet

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Cash & equivalents$123.9M-72.0%

Total debt$7.5M+14.4%

Total equity$1.2B+12.3%

Total assets$8.4B-0.4%

Cash flow

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Operating cash flow$37.0M-2.3%

CapEx$1.1M-14.9%

Free cash flow$36.0M-1.9%

Valuation

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Market cap$1.75B+26.4%

Enterprise value$1.63B+72.3%

P/E12.9×-5.4×

P/S4.7×-0.4×

Profitability

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Net margin36%+8.5pp

FCF margin40.8%+2.5pp

Returns & leverage

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Return on equity12.2%+3.3pp

Debt / equity0×0.0×

Where this comes from

Reported directly by German American Bancorp in its filing.

Tagged under the XBRL concept gabc:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalAndTransfersInAndChangeInMethod.

The official record: German American Bancorp’s 10-Q, filed November 5, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is German American Bancorp's provision for credit losses?: German American Bancorp (GABC) reported provision for credit losses of $700K in Q3 2025.
How has German American Bancorp's provision for credit losses changed year-over-year?: German American Bancorp's provision for credit losses increased by 12.0% year-over-year, from $625K to $700K.