German American Bancorp annual debt-to-equity ratio
2010
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2025
German American Bancorp Debt-to-Equity Ratio Growth & History (GABC)
German American Bancorp's debt-to-equity ratio was 0.17 for fiscal 2025.
View full German American Bancorp company overviewGerman American Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.17 | −0.14 | −46.03% |
| 2024 | 2024-12-31 | 0.31 | −0.00 | −0.51% |
| 2023 | 2023-12-31 | 0.31 | −0.08 | −20.32% |
| 2022 | 2022-12-31 | 0.39 | 0.14 | +58.92% |
| 2021 | 2021-12-31 | 0.24 | −0.08 | −24.80% |
| 2020 | 2020-12-31 | 0.32 | −0.30 | −48.07% |
| 2019 | 2019-12-31 | 0.63 | −0.20 | −23.81% |
| 2018 | 2018-12-31 | 0.82 | 0.07 | +8.72% |
| 2017 | 2017-12-31 | 0.75 | −0.03 | −3.41% |
| 2016 | 2016-12-31 | 0.78 | −0.30 | −27.84% |
| 2015 | 2015-12-31 | 1.08 | 0.18 | +20.28% |
| 2014 | 2014-12-31 | 0.90 | 0.20 | +28.01% |
| 2013 | 2013-12-31 | 0.70 | −0.17 | −19.15% |
| 2012 | 2012-12-31 | 0.87 | 0.09 | +11.34% |
| 2011 | 2011-12-31 | 0.78 | −0.48 | −38.21% |
| 2010 | 2010-12-31 | 1.26 | — | — |
German American Bancorp quarterly debt-to-equity ratio
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Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.01 | 0.00 | +0.71% |
| Q1 2026 | 2026-03-31 | 0.01 | 0.00 | +1.91% |
| Q4 2025 | 2025-12-31 | 0.17 | −0.14 | −46.03% |
| Q3 2025 | 2025-09-30 | 0.01 | −0.00 | −24.88% |
| Q2 2025 | 2025-06-30 | 0.01 | −0.00 | −44.90% |
| Q1 2025 | 2025-03-31 | 0.01 | −0.01 | −46.30% |
| Q4 2024 | 2024-12-31 | 0.31 | −0.00 | −0.51% |
| Q3 2024 | 2024-09-30 | 0.01 | −0.01 | −38.54% |
| Q2 2024 | 2024-06-30 | 0.01 | −0.00 | −26.04% |
| Q1 2024 | 2024-03-31 | 0.01 | −0.00 | −21.11% |
| Q4 2023 | 2023-12-31 | 0.31 | −0.08 | −20.32% |
| Q3 2023 | 2023-09-30 | 0.02 | −0.00 | −17.55% |
| Q2 2023 | 2023-06-30 | 0.01 | −0.00 | −14.93% |
| Q1 2023 | 2023-03-31 | 0.01 | −0.00 | −6.58% |
| Q4 2022 | 2022-12-31 | 0.39 | 0.14 | +58.92% |
| Q3 2022 | 2022-09-30 | 0.02 | 0.00 | +28.72% |
| Q2 2022 | 2022-06-30 | 0.02 | 0.00 | +14.23% |
| Q1 2022 | 2022-03-31 | 0.02 | −0.00 | −0.53% |
| Q4 2021 | 2021-12-31 | 0.24 | −0.08 | −24.80% |
| Q3 2021 | 2021-09-30 | 0.01 | −0.01 | −26.55% |
| Q2 2021 | 2021-06-30 | 0.01 | −0.01 | −29.52% |
| Q1 2021 | 2021-03-31 | 0.02 | −0.01 | −26.64% |
| Q4 2020 | 2020-12-31 | 0.32 | −0.30 | −48.07% |
| Q3 2020 | 2020-09-30 | 0.02 | −0.00 | −16.44% |
| Q2 2020 | 2020-06-30 | 0.02 | −0.00 | −13.24% |
| Q1 2020 | 2020-03-31 | 0.02 | −0.00 | −15.36% |
| Q4 2019 | 2019-12-31 | 0.63 | −0.20 | −23.81% |
| Q3 2019 | 2019-09-30 | 0.02 | — | — |
| Q2 2019 | 2019-06-30 | 0.02 | — | — |
| Q1 2019 | 2019-03-31 | 0.03 | — | — |
| Q4 2018 | 2018-12-31 | 0.82 | 0.07 | +8.72% |
| Q4 2017 | 2017-12-31 | 0.75 | −0.03 | −3.41% |
| Q2 2017 | 2017-06-30 | 0.74 | −0.09 | −11.33% |
| Q1 2017 | 2017-03-31 | 0.71 | −0.16 | −18.37% |
| Q4 2016 | 2016-12-31 | 0.78 | −0.30 | −27.84% |
| Q3 2016 | 2016-09-30 | 0.82 | −0.15 | −15.31% |
| Q2 2016 | 2016-06-30 | 0.84 | −0.18 | −17.34% |
| Q1 2016 | 2016-03-31 | 0.87 | 0.11 | +15.13% |
| Q4 2015 | 2015-12-31 | 1.08 | 0.18 | +20.28% |
| Q3 2015 | 2015-09-30 | 0.97 | 0.02 | +2.31% |
| Q2 2015 | 2015-06-30 | 1.01 | −0.04 | −3.76% |
| Q1 2015 | 2015-03-31 | 0.75 | −0.02 | −2.75% |
| Q4 2014 | 2014-12-31 | 0.90 | 0.20 | +28.01% |
| Q3 2014 | 2014-09-30 | 0.94 | −0.09 | −8.69% |
| Q2 2014 | 2014-06-30 | 1.05 | 0.09 | +8.96% |
| Q1 2014 | 2014-03-31 | 0.77 | 0.16 | +26.55% |
| Q4 2013 | 2013-12-31 | 0.70 | −0.17 | −19.15% |
| Q3 2013 | 2013-09-30 | 1.03 | 0.26 | +34.19% |
| Q2 2013 | 2013-06-30 | 0.97 | 0.16 | +19.53% |
| Q1 2013 | 2013-03-31 | 0.61 | −0.06 | −8.62% |
| Q4 2012 | 2012-12-31 | 0.87 | 0.09 | +11.34% |
| Q3 2012 | 2012-09-30 | 0.77 | −0.02 | −1.98% |
| Q2 2012 | 2012-06-30 | 0.81 | 0.06 | +8.46% |
| Q1 2012 | 2012-03-31 | 0.67 | — | — |
| Q4 2011 | 2011-12-31 | 0.78 | −0.48 | −38.21% |
| Q3 2011 | 2011-09-30 | 0.79 | — | — |
| Q2 2011 | 2011-06-30 | 0.74 | — | — |
| Q4 2010 | 2010-12-31 | 1.26 | — | — |
German American Bancorp debt-to-equity ratio trends
Over the last five fiscal years, German American Bancorp's debt-to-equity ratio decreased from 0.32 to 0.17, a change of −0.16. The latest reported quarter, Q2 2026, shows 0.01.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review German American Bancorp source filings ↗