---
schema_version: "secwatch.filing_event.v1"
accession: "0000714395-25-000048"
form_type: "8-K"
ticker: "GABC"
cik: "0000714395"
company_name: "GERMAN AMERICAN BANCORP, INC."
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:16:08.689881+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# GABC Q3 2025 record net income $35.1M ($0.94 EPS), up 67% YoY; dividend $0.29

## Summary
- Net income $35.1M ($0.94 diluted EPS) vs $21.0M ($0.71) in Q3 2024; adjusted EPS $0.92.
- Net interest margin widened to 4.06%; return on avg assets 1.68%, avg tangible equity 21.0%.
- Total loans $5.79B, up 3% annualized linked quarter; non-performing assets 0.28% of total assets.
- Total deposits $7.01B, up 3% annualized linked quarter; non-interest bearing deposits 28% of total.
- Board declares $0.29/share quarterly cash dividend, payable Nov 20 to holders of record Nov 10.

## SEC filing metadata
- accession: 0000714395-25-000048
- form_type: 8-K
- ticker: GABC
- cik: 0000714395
- company_name: GERMAN AMERICAN BANCORP, INC.
- filed_at: 2025-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714395/000071439525000048/0000714395-25-000048-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714395/000071439525000048/gabc-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714395-25-000048
- JSON: https://secwatch.observer/filing/0000714395-25-000048.json
- Plain text: https://secwatch.observer/filing/0000714395-25-000048.txt

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