Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 2.06% is 29% below its 5-year average of 2.92%, near the low end of its 5-year range (2.06%–4.77%).
As of the fiscal period ended Tuesday, June 30, 2026. 8.52% below its 12-month average of 2.26%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 2.06%.
DEBT TO ASSETS RATIO
2.06%
DEBT TO ASSETS RATIO AVG TTM
2.26%
DEBT TO ASSETS RATIO AVG 3Y
2.76%
DEBT TO ASSETS RATIO AVG 5Y
2.92%
DEBT TO ASSETS RATIO AVG 10Y
5.22%
DEBT TO ASSETS RATIO AVG 15Y
6.23%
DEBT TO ASSETS RATIO AVG 20Y
7.46%
CURRENT VS TTM AVG
-8.52%
CURRENT VS 3Y AVG
-25.38%
CURRENT VS 5Y AVG
-29.33%
CURRENT VS 10Y AVG
-60.47%
CURRENT VS 15Y AVG
-66.89%
CURRENT VS 20Y AVG
-72.33%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 567 covered companies
CURRENT VS SECTOR MEDIAN
+4025.97%
vs the sector median at left
German American Bancorp, Inc.
Market Cap
$1.85B
Debt to Assets Ratio
2.06%
TTM Avg
2.26%
3Y Avg
2.76%
5Y Avg
2.92%
Market Cap
$1.85B
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.89B
Debt to Assets Ratio
0.02%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.80B
Debt to Assets Ratio
0.33%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.79B
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.98B
Debt to Assets Ratio
0.04%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$2.00B
Debt to Assets Ratio
0.08%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| German American Bancorp, Inc. (GABC) | $1.85B | 2.06% | 2.26% | 2.76% | 2.92% |
| FirstSun Capital Bancorp (FSUN)vs › | $1.85B | 0.01% | N/A | N/A | N/A |
| Apex Treasury Corporation Class A (APXT)vs › | $1.89B | 0.02% | N/A | N/A | N/A |
| Patria Investments Ltd (PAX)vs › | $1.80B | 0.33% | N/A | N/A | N/A |
| Happen, Inc. Common Stock (HAPN)vs › | $1.79B | 0.00% | N/A | N/A | N/A |
| EZCORP, Inc. (EZPW)vs › | $1.79B | 0.37% | N/A | N/A | N/A |
| Hope Bancorp, Inc. (HOPE)vs › | $1.73B | 0.03% | N/A | N/A | N/A |
| Enterprise Financial Services Corp (EFSCP)vs › | $1.98B | 0.04% | N/A | N/A | N/A |
| City Holding Company (CHCO)vs › | $2.00B | 0.08% | N/A | N/A | N/A |
| Bank First Corporation (BFC)vs › | $1.70B | 0.02% | N/A | N/A | N/A |
Debt/Assets
2.1%
Debt/Equity
0.14
Current ratio and interest coverage is unavailable for German American Bancorp, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 2.06% |
| 2026-03-31 | 2.08% |
| 2025-12-31 | 2.18% |
| 2025-09-30 | 2.51% |
| 2025-06-30 | 2.44% |
| 2025-03-31 | 2.57% |
| 2024-12-31 | 3.34% |
| 2024-09-30 | 3.26% |
| 2024-06-30 | 2.68% |
| 2024-03-31 | 3.14% |
| 2023-12-31 | 3.15% |
| 2023-09-30 | 4.77% |
| 2023-06-30 | 3.76% |
| 2023-03-31 | 3.19% |
| 2022-12-31 | 3.31% |
| 2022-09-30 | 2.33% |
| 2022-06-30 | 2.24% |
| 2022-03-31 | 2.33% |
| 2021-12-31 | 2.71% |
| 2021-09-30 | 3.40% |
| 2021-06-30 | 3.84% |
| 2021-03-31 | 3.32% |
| 2020-12-31 | 3.91% |
| 2020-09-30 | 4.42% |
| 2020-06-30 | 4.53% |
| 2020-03-31 | 4.81% |
| 2019-12-31 | 7.95% |
| 2019-09-30 | 7.27% |
| 2019-06-30 | 7.70% |
| 2019-03-31 | 8.15% |
| 2018-12-31 | 9.58% |
| 2018-09-30 | 9.72% |
| 2018-06-30 | 10.61% |
| 2018-03-31 | 8.78% |
| 2017-12-31 | 8.75% |
| 2017-09-30 | 8.52% |
| 2017-06-30 | 8.77% |
| 2017-03-31 | 8.23% |
| 2016-12-31 | 8.73% |
| 2016-09-30 | 9.37% |
| 2016-06-30 | 9.54% |
| 2016-03-31 | 9.72% |
| 2015-12-31 | 11.51% |
| 2015-09-30 | 10.34% |
| 2015-06-30 | 10.62% |
| 2015-03-31 | 7.98% |
| 2014-12-31 | 9.22% |
| 2014-09-30 | 9.43% |
| 2014-06-30 | 10.28% |
| 2014-03-31 | 7.45% |
| 2013-12-31 | 6.51% |
| 2013-09-30 | 9.30% |
| 2013-06-30 | 8.74% |
| 2013-03-31 | 5.77% |
| 2012-12-31 | 8.03% |
| 2012-09-30 | 7.19% |
| 2012-06-30 | 7.36% |
| 2012-03-31 | 6.03% |
| 2011-12-31 | 6.99% |
| 2011-09-30 | 7.02% |
| 2011-06-30 | 6.56% |
| 2011-03-31 | 6.29% |
| 2010-12-31 | 11.17% |
| 2010-09-30 | 10.12% |
| 2010-06-30 | 11.77% |
| 2010-03-31 | 12.09% |
| 2009-12-31 | 11.92% |
| 2009-09-30 | 11.93% |
| 2009-06-30 | 12.07% |
| 2009-03-31 | 10.80% |
| 2008-12-31 | 11.06% |
| 2008-09-30 | 13.40% |
| 2008-06-30 | 11.88% |
| 2008-03-31 | 12.29% |
| 2007-12-31 | 12.74% |
| 2007-09-30 | 10.50% |
| 2007-06-30 | 9.26% |
| 2007-03-31 | 9.48% |
| 2006-12-31 | 10.96% |
| 2006-09-30 | 12.49% |
| 2006-06-30 | 11.68% |
| 2006-03-31 | 11.46% |
| 2005-12-31 | 11.14% |
| 2005-09-30 | 12.12% |
| 2005-06-30 | 11.46% |
| 2005-03-31 | 10.59% |
| 2004-12-31 | 10.15% |
| 2004-09-30 | 11.55% |
| 2004-06-30 | 12.35% |
| 2004-03-31 | 10.72% |
| 2003-12-31 | 16.01% |
| 2003-09-30 | 12.40% |
| 2003-06-30 | 14.12% |
| 2003-03-31 | 14.74% |
| 2002-12-31 | 13.83% |
| 2002-09-30 | 16.35% |
