---
schema_version: "secwatch.filing_event.v1"
accession: "0000714395-25-000005"
form_type: "8-K"
ticker: "GABC"
cik: "0000714395"
company_name: "GERMAN AMERICAN BANCORP, INC."
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T09:42:38.872876+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# German American Bancorp Q4 EPS $0.78, annual EPS $2.83; dividend raised 7.4%

## Summary
- Q4 net income $23.2M ($0.78/share), up 10% from Q3; annual net income $83.8M.
- Net interest margin expanded to 3.54% from 3.47% linked quarter; net interest income up 5%.
- Total loans grew $63.9M (6% annualized) in Q4; non-interest bearing deposits stable at 26%.
- Quarterly dividend increased 7.4% to $0.29/share, payable Feb 20, 2025 to holders of record Feb 10.
- Non-performing assets were 0.18% of total assets; allowance for credit losses 1.08% of loans.

## SEC filing metadata
- accession: 0000714395-25-000005
- form_type: 8-K
- ticker: GABC
- cik: 0000714395
- company_name: GERMAN AMERICAN BANCORP, INC.
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714395/000071439525000005/0000714395-25-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714395/000071439525000005/gabc-20250127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714395-25-000005
- JSON: https://secwatch.observer/filing/0000714395-25-000005.json
- Plain text: https://secwatch.observer/filing/0000714395-25-000005.txt

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