---
schema_version: "secwatch.filing_event.v1"
accession: "0000714395-25-000016"
form_type: "8-K"
ticker: "GABC"
cik: "0000714395"
company_name: "GERMAN AMERICAN BANCORP, INC."
filed_at: "2025-04-28T23:59:59+00:00"
generated_at: "2026-05-23T05:22:22.798409+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# German American Q1 adj EPS $0.79; closes Heartland merger; declares $0.29 dividend

## Summary
- GAAP net income $10.5M ($0.30/share) includes $16.8M after-tax merger costs.
- Adjusted net income $27.3M ($0.79/share) vs $23.4M ($0.79) in Q4 2024.
- Net interest margin expanded 42 bps to 3.96% (24 bps from loan accretion).
- Closed Heartland merger Feb 1, 2025; assets grew to $8.42B, loans up $1.52B.
- Regular cash dividend $0.29/share, payable May 20, 2025, record May 10.

## SEC filing metadata
- accession: 0000714395-25-000016
- form_type: 8-K
- ticker: GABC
- cik: 0000714395
- company_name: GERMAN AMERICAN BANCORP, INC.
- filed_at: 2025-04-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714395/000071439525000016/0000714395-25-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714395/000071439525000016/gabc-20250428.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714395-25-000016
- JSON: https://secwatch.observer/filing/0000714395-25-000016.json
- Plain text: https://secwatch.observer/filing/0000714395-25-000016.txt

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