German American Bancorp is a community bank holding company based in Jasper, Indiana. Through its subsidiary German American Bank, it operates 94 banking offices across southern and central Indiana, northern and central Kentucky, and central and southwest Ohio. The core business is traditional commercial and retail banking: German American takes in deposits from individuals and businesses and deploys those funds into loans, primarily commercial real estate, commercial and agricultural loans, consumer loans, and residential mortgages. Commercial real estate is the largest component of the loan book. German American also runs a smaller wealth management business offering trust, investment advisory, brokerage, and retirement planning services. Like most community banks, net interest income — the spread between deposit rates and loan rates — drives the majority of earnings, supplemented by fee income from wealth management, mortgage loan sales, and debit card interchange. German American has grown primarily through acquisitions of community banks in contiguous markets. The most recent acquisition, completed in February 2025, was Heartland BancCorp, which added roughly $1.94B in assets and 20 banking offices in the Columbus and Greater Cincinnati markets, where German American now operates as Heartland Bank. German American is approaching the $10B asset threshold, a key regulatory inflection point that would trigger CFPB direct supervision and subject the bank to the Durbin Amendment, which caps debit card interchange fees.