)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
German American Bancorp (GABC) investor relations material
German American Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Q2 2025 net income was $31.4M ($0.84/share), up 22% year-over-year and 180% sequentially, with adjusted net income at $32.1M ($0.86/share).
Results benefited from Heartland BancCorp integration, organic loan growth, and efficiency gains.
Six-month net income was $41.9M ($1.16/share), down 13% per share; adjusted six-month net income was $59.3M ($1.64/share).
Board declared a $0.29/share quarterly dividend, payable August 20, 2025.
Awarded the Raymond James Community Bankers Cup for 2024, recognizing top 10% performance.
Financial highlights
Total assets reached $8.28B at June 30, 2025, up $1.98B from year-end 2024, mainly due to Heartland acquisition.
Loans increased $1.62B to $5.75B; deposits rose $1.63B to $6.95B since December 2024.
Net interest income for Q2 2025 was $73.2M, up 59% year-over-year and 10% sequentially.
Net interest margin (tax-equivalent) for Q2 2025 was 3.92%, up from 3.34% a year ago.
Non-interest income rose 13% sequentially to $16.7M, but declined 12% year-over-year due to insurance asset sale.
Outlook and guidance
Management expects continued cost reductions and synergies from Heartland integration.
Lending pipelines remain strong across legacy and new markets.
Capital and liquidity levels remain strong, supporting future growth and compliance.
No material changes to risk factors or forward-looking statements since last annual report.
Heartland acquisition NPA contribution
Drivers of Q2 efficiency ratio improvement?
Which loan categories drove Q2 growth?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next German American Bancorp earnings date
Q3 202529 Oct, 2025
Next German American Bancorp earnings date
Q3 202529 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
German American Bancorp, Inc. operates as a financial holding company. The company provides a variety of financial services through its primary subsidiary, German American Bank. It operates in three main segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment includes services such as accepting deposits and originating a wide range of loans, including consumer, commercial, and agricultural real estate loans. The Wealth Management segment offers trust, investment advisory, and retirement planning services. Meanwhile, the Insurance Operations segment provides personal and commercial property and casualty insurance products. The company is headquartered in Jasper, Indiana, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage