---
schema_version: "secwatch.filing_event.v1"
accession: "0000714395-24-000047"
form_type: "8-K"
ticker: "GABC"
cik: "0000714395"
company_name: "GERMAN AMERICAN BANCORP, INC."
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:52:18.865551+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# German American Bancorp Q3 net income $21.0M ($0.71 EPS); NIM expands to 3.47%

## Summary
- Q3 net income $21.0M ($0.71 EPS), up 3% linked quarter from $20.5M ($0.69), down 3% YoY from $21.5M ($0.73).
- Net interest margin rose to 3.47% from 3.34% in Q2; net interest income increased 6% linked quarter.
- Loans grew $25.1M (2.5% annualized); non-performing assets low at 0.15% of total assets.
- Declared $0.27/share dividend payable Nov 20, 2024 to shareholders of record Nov 10, 2024.
- Pending merger with Heartland BancCorp; $747k merger costs incurred in Q3.

## SEC filing metadata
- accession: 0000714395-24-000047
- form_type: 8-K
- ticker: GABC
- cik: 0000714395
- company_name: GERMAN AMERICAN BANCORP, INC.
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714395/000071439524000047/0000714395-24-000047-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714395/000071439524000047/gabc-20241028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714395-24-000047
- JSON: https://secwatch.observer/filing/0000714395-24-000047.json
- Plain text: https://secwatch.observer/filing/0000714395-24-000047.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.