GABC on Nasdaq

GERMAN AMERICAN BANCORP, INC.

GERMAN AMERICAN BANCORP, INC. is an American state commercial bank based in Jasper, listed on Nasdaq (GABC).1

Price unavailable

Last updated Oct 20, 2026.

Overview

Compare with QCR Holdings, Republic Bank & Trust Company or Fifth Third Bancorp, or pick any stock.

  • TickerGABC on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersJasper, Indiana1
  • Incorporated inIN2
  • Business address711 Main St, P O Box 810, Jasper, In 475462
  • Filer categoryLarge accelerated filer2

See how the biggest companies compare on our leaderboards

German American Bancorp, Inc. is a Nasdaq-listed (symbol: GABC) financial holding company based in Jasper, Indiana. German American, through its banking subsidiary German American Bank, operates 94 banking offices located throughout Indiana (central/southern), Kentucky (northern/central/western), and Ohio (central/southwest). In Columbus, Ohio and Greater Cincinnati, the Company does business as Heartland Bank, a Division of German American Bank. The Company also owns an investment brokerage subsidiary, German American Investment Services, Inc.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

23.1%Net margin5
37.8%Revenue growth, 20255
9.7%Return on equity5
0.09×Debt to equity5
$154.0MFree cash flow5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Other Revenues brought in 47% of the revenue GERMAN AMERICAN BANCORP, INC. broke down this way in fiscal 2025.

  1. Other Revenues$46.0M547%up 13% from 2024
  2. Interchange Fee Income$19.6M520%up 14% from 2024
  3. Wealth Management Fees$16.8M517%up 17% from 2024
  4. Service Charge on Deposit Accounts$15.1M515%up 19% from 2024
  5. Other Operating Income, Safe Deposit Box Rentals And Other Non-Interest Related Fees$1.3M51%up 18% from 2024
Products and services by year
Products and services202320242025
Other Revenues$36.6M$40.8M$46.0M
Interchange Fee Income$17.5M$17.1M$19.6M
Wealth Management Fees$11.7M$14.4M$16.8M
Service Charge on Deposit Accounts$11.5M$12.7M$15.1M
Other Operating Income, Safe Deposit Box Rentals And Other Non-Interest Related Fees$1.2M$1.1M$1.3M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs71¢$347.3M
  • Income tax6¢$27.4M
  • Profit23¢$112.6M

Out of $487.4M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$5.3M
  • Dividends paid27¢$43.3M
  • Kept or used elsewhere69¢$110.7M

Out of $159.3M of cash from operations.5

Financial statements

Revenue65$487.4M in 2025+75% since 2022
0$200.0M$400.0M$600.0M2022: $278.1M$278.1M20222023: $316.9M$316.9M2023+14%2024: $353.7M$353.7M2024+12%2025: $487.4M$487.4M2025+38%
Net income78965$112.6M in 2025+90% since 2019
0$50.0M$100.0M$150.0M2019: $59.2M$59.2M20192020: $62.2M$62.2M2020+5%2021: $84.1M$84.1M2021+35%2022: $81.8M$81.8M2022−3%2023: $85.9M$85.9M2023+5%2024: $83.8M$83.8M2024−2%2025: $112.6M$112.6M2025+34%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Interest and Fees on Loans$358.6M$240.2M$212.5M
Interest on Federal Funds Sold and Other Short-term Investments$10.8M$7.7M$1.7M
Taxable$37.0M$26.6M$20.6M
Non-taxable$13.6M$16.5M$21.8M
TOTAL INTEREST INCOME$420.1M$291.0M$256.7M
Interest on Deposits$115.1M$90.6M$56.9M
Interest on FHLB Advances and Other Borrowings$10.9M$9.8M$9.3M
TOTAL INTEREST EXPENSE$126.0M$100.5M$66.2M
NET INTEREST INCOME$294.1M$190.6M$190.4M
Provision for Credit Losses$19.4M$2.8M$2.5M
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES$274.7M$187.8M$187.9M
Company Owned Life Insurance$2.6M$2.1M$1.7M
Sale of Assets of German American Insurance$0$38.3M$0
Other Operating Income$8.8M$5.4M$5.8M
Net Gains on Sales of Loans$4.5M$3.1M$2.4M
Net Gains (Losses) on Securities$0-$34.8M$40.0K
TOTAL NON-INTEREST INCOME$67.3M$62.7M$60.3M
Salaries and Employee Benefits$107.7M$82.3M$83.2M
Occupancy, Furniture and Equipment Expense$19.6M$14.9M$14.5M
FDIC Premiums$3.8M$2.9M$2.8M
Data Processing Fees$17.6M$12.2M$11.1M
Professional Fees$10.4M$8.1M$5.6M
Advertising and Promotion$5.2M$3.9M$4.9M
Intangible Amortization$10.1M$2.0M$2.8M
Other Operating Expenses$27.5M$19.9M$19.6M
TOTAL NON-INTEREST EXPENSE$201.9M$146.4M$144.5M
Income before Income Taxes$140.1M$104.1M$103.6M
Income Tax Expense$27.4M$20.3M$17.8M
NET INCOME$112.6M$83.8M$85.9M
Basic earnings per share (in dollars per share)$3.06$2.83$2.91
Diluted earnings per share (in dollars per share)$3.06$2.83$2.91

Compare GERMAN AMERICAN BANCORP, INC. with another company

Corporate structure

GERMAN AMERICAN BANCORP, INC. sits at the top of its group. 24 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of GERMAN AMERICAN BANCORP, INC.

  • BlackRock Filed SCHEDULE 13G/A on GERMAN AMERICAN BANCORP, INC., latest Jul 28, 2026
  • Franklin Templeton Investments Filed SCHEDULE 13G on GERMAN AMERICAN BANCORP, INC., latest Apr 29, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on GERMAN AMERICAN BANCORP, INC., latest Mar 26, 2026 (2 filings since Feb 13, 2024)
  • FRANKLIN MUTUAL ADVISERS LLC Filed SCHEDULE 13G/A on GERMAN AMERICAN BANCORP, INC., latest May 9, 2025 (2 filings since Oct 31, 2024)
  • Champlain Investment Partners, LLC Filed SC 13G/A on GERMAN AMERICAN BANCORP, INC., latest Feb 13, 2024 (3 filings since Feb 11, 2022)
  • GERMAN AMERICAN BANCORP, INC. Jasper, Indiana
    • ACB Capital Trust I Subsidiary · Delaware, United States
    • ACB Capital Trust II Subsidiary · Delaware, United States
    • Citizens First Statutory Trust I Subsidiary · Delaware, United States
    • CUB Capital Trust I Subsidiary · Delaware, United States
    • CUB Capital Trust II Subsidiary · Delaware, United States
    • CUB Investments, Inc. Subsidiary · Kentucky, United States
    • CUB St. Denis, LLC Subsidiary · Kentucky, United States
    • CUB Title Company, LLC Subsidiary · Kentucky, United States
    • EQP 2011, LLC Subsidiary · Kentucky, United States
    • GAB Capital Funding Corp. Subsidiary · Nevada, United States
    • GAB Funding Corp. Subsidiary · Maryland, United States
    • GAB Investment Center, Inc. Subsidiary · Nevada, United States
    • GAB Investment Company, Inc. Subsidiary · Nevada, United States
    • GAB Investments, LLC Subsidiary · Nevada, United States
    • GABC Development Corporation Subsidiary · Indiana, United States
    • GABC Holdings, Inc. Subsidiary · Indiana, United States
    • GABC Leasing, Inc. Subsidiary · Indiana, United States
    • German American Bank Subsidiary · Indiana, United States
    • German American Insurance, Inc. Subsidiary · Indiana, United States
    • German American Investment Services, Inc. Subsidiary · Indiana, United States
    • RIVR Statutory Trust I Subsidiary · Connecticut, United States
    • SM 2013, LLC Subsidiary · Kentucky, United States
    • TransCounty Title Agency, LLC Subsidiary · Ohio, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What GERMAN AMERICAN BANCORP, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Finance-lease assets$1.2M5 Dec 31, 2025$1.4M5 Dec 31, 2024−14.6%
Operating-lease assets (leased space)$5.6M5 Dec 31, 2025$4.3M5 Dec 31, 2024+29.4%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$5.8B5 Dec 31, 2025$4.1B5 Dec 31, 2024+42.1%
Deposits held (banks)$7.0B5 Dec 31, 2025$5.3B5 Dec 31, 2024+31.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$375.5M5 Dec 31, 2025$179.0M5 Dec 31, 2024+109.7%
Intangible assets, net (excluding goodwill)$33.8M5 Dec 31, 2025$4.0M5 Dec 31, 2024+741.0%
Finite-lived intangibles, gross$73.6M5 Dec 31, 2025$33.5M5 Dec 31, 2024+119.6%
Accumulated amortization$40.2M5 Dec 31, 2025$30.1M5 Dec 31, 2024+33.7%

Properties, in its own words

The Company’s executive offices are located in the main office building of the Bank at 711 Main Street, Jasper, Indiana 47546. The main office building, which is owned by the Bank and also serves as the main office of the Company’s other subsidiaries, contains approximately 23,600 square feet of office space. The Bank and the Company’s other subsidiaries also conduct their operations from 48 other locations in Southern Indiana, 30 in Kentucky and 17 in Ohio. Of the 96 total locations, 75 are owned by the Company and 21 are leased from third parties.

Item 2 of the 10-K filed Feb 27, 2026.4

Leadership

Who has led GERMAN AMERICAN BANCORP, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Mark A. Schroeder2006–2022
  2. D. Neil Dauby2022–now

Chair

  1. Mark A. Schroeder2010–2022
  2. D. Neil Dauby2024–now

President

  1. Mark A. Schroeder2006–2009
  2. Clay W. Ewing2006–2021
  3. Kenneth L. Sendelweck2006–2012
  4. D. Neil Dauby2021–2023
  5. Bradley M. Rust2024–now

Chief financial officer

  1. Bradley M. Rust2006–now

Chief operating officer

  1. D. Neil Dauby2021–2022
  2. Bradley M. Rust2022–2023
2010201520202025
Board members and other officers (44)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • ACB Capital Trust I Delaware3
  • ACB Capital Trust II Delaware3
  • CUB Capital Trust I Delaware3
  • CUB Capital Trust II Delaware3
  • CUB Investments, Inc. Kentucky3
  • CUB St. Denis, LLC Kentucky3
  • CUB Title Company, LLC Kentucky3
  • Citizens First Statutory Trust I Delaware3
  • EQP 2011, LLC Kentucky3
  • GAB Capital Funding Corp. Nevada3
  • GAB Funding Corp. Maryland3
  • GAB Investment Center, Inc. Nevada3
  • GAB Investment Company, Inc. Nevada3
  • GAB Investments, LLC Nevada3
  • GABC Development Corporation Indiana3
  • GABC Holdings, Inc. Indiana3
  • GABC Leasing, Inc. Indiana3
  • German American Bank Indiana3
  • German American Insurance, Inc. Indiana3
  • German American Investment Services, Inc. Indiana3
  • RIVR Statutory Trust I Connecticut3
  • SM 2013, LLC Kentucky3
  • TransCounty Title Agency, LLC Ohio3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • GERMAN AMERICAN BANCORPNov 13, 1995 to Jun 5, 20062

Timeline

  1. Sep 8, 20268-K Regulation FD disclosure66
  2. Jul 27, 20268-K Results of operations; Other events67
  3. May 6, 20268-K Regulation FD disclosure68
  4. Apr 29, 20268-K Shareholder vote69
  5. Apr 27, 20268-K Results of operations; Other events70
  6. Mar 5, 20268-K Executive or director change71
  7. Feb 10, 20268-K Regulation FD disclosure72
  8. Jan 26, 20268-K Results of operations; Other events73
  9. Nov 18, 20258-K Other events74
  10. Nov 5, 20258-K Regulation FD disclosure75
  11. Oct 27, 20258-K Results of operations; Other events76
  12. Sep 2, 20258-K Regulation FD disclosure77
  13. Mar 16, 2022New chief executive D. Neil Dauby becomes CEO13
  14. Jan 31, 2006New chief executive Mark A. Schroeder becomes CEO14

Calendar

Coming up

  1. Oct 26, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.92 a share, on Oct 27, 2025.78

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results67
  2. Apr 27, 2026Reported quarterly or annual results70
  3. Jan 26, 2026Reported quarterly or annual results73
  4. Oct 27, 2025Reported quarterly or annual results76
  5. Jul 28, 2025Reported quarterly or annual results79
  6. Apr 28, 2025Reported quarterly or annual results80
  7. Jan 27, 2025Reported quarterly or annual results81
  8. Oct 28, 2024Reported quarterly or annual results82

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

656 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 71 major events, 495 insider forms, 12 large holders, 58 other. The latest 20:

  1. Sep 16, 20264 EDGAR
  2. Sep 16, 20264 EDGAR
  3. Sep 16, 20264 EDGAR
  4. Sep 8, 20268-K EDGAR
  5. Aug 25, 2026N-PX EDGAR
  6. Aug 18, 20264 EDGAR
  7. Aug 18, 20264 EDGAR
  8. Aug 18, 20264 EDGAR
  9. Aug 18, 20264 EDGAR
  10. Aug 6, 202613F-HR EDGAR
  11. Aug 6, 202610-Q EDGAR
  12. Jul 28, 2026SCHEDULE 13G/A EDGAR
  13. Jul 27, 20268-K EDGAR
  14. Jul 17, 20264 EDGAR
  15. Jul 17, 20264 EDGAR
  16. Jul 17, 20264 EDGAR
  17. Jul 17, 20264 EDGAR
  18. Jul 17, 20264 EDGAR
  19. Jul 1, 20264 EDGAR
  20. Jul 1, 20264 EDGAR

The 656 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

348 open-market trades by officers, directors and large owners since October 2021: 347 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 15, 2026Seger Andrew MDirectorBuy150$49.89$7.5KForm 4
Sep 15, 2026Ryan Christina MDirectorBuy124$49.89$6.2KForm 4
Sep 15, 2026Bawel Zachary WDirectorBuy401$49.89$20.0KForm 4
Aug 17, 2026Seger Andrew MDirectorBuy391$51.12$20.0KForm 4
Aug 17, 2026Ryan Christina MDirectorBuy391$51.12$20.0KForm 4
Aug 17, 2026KELLY JASON MDirectorBuy49$51.12$2.5KForm 4
Aug 17, 2026Bawel Zachary WDirectorBuy391$51.12$20.0KForm 4
Jul 16, 2026Seger Andrew MDirectorBuy418$47.84$20.0KForm 4
Jul 16, 2026Stokes Ronnie RDirectorBuy314$47.84$15.0KForm 4
Jul 16, 2026Ryan Christina MDirectorBuy418$47.84$20.0KForm 4
Jul 16, 2026KELLY JASON MDirectorBuy418$47.84$20.0KForm 4
Jul 16, 2026Bawel Zachary WDirectorBuy418$47.84$20.0KForm 4
Jun 15, 2026Seger Andrew MDirectorBuy22$45.55$1.0KForm 4
Jun 15, 2026Ellspermann Susan JDirectorBuy22$45.55$1.0KForm 4
Jun 15, 2026Ryan Christina MDirectorBuy22$45.55$1.0KForm 4
Jun 15, 2026Bawel Zachary WDirectorBuy22$45.55$1.0KForm 4
May 15, 2026Seger Andrew MDirectorBuy24$41.84$1.0KForm 4
Apr 15, 2026Bawel Zachary WDirectorBuy23$43.58$1.0KForm 4
Apr 15, 2026SHEIDLER JACKDirectorBuy25$43.58$1.1KForm 4
Mar 17, 2026Seger Andrew MDirectorBuy52$40.48$2.1KForm 4

All 348 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.2,995,249$142.2M0.0%+288,780
Franklin Resources Inc1,960,565$93.0M0.0%+80,019
Vanguard Capital Management LLC1,544,442$73.3M0.0%+21,287
Charles Schwab Investment Management Inc1,270,252$60.3M0.0%+117,557
Dimensional Fund Advisors LP1,265,181$60.0M0.0%+45,223
Geode Capital Management, LLC1,002,126$47.6M0.0%+62,168
State Street Corp988,330$46.9M0.0%+69,267
German American Bancorp, Inc.951,402$45.2M3.4%−15,470
Royce & Associates LP582,529$27.6M0.2%+34,077
Vanguard Portfolio Management LLC529,361$25.1M0.0%+36,052
Champlain Investment Partners, LLC520,662$24.7M0.6%−105,785
Raymond James Financial Inc466,091$22.1M0.0%+1,622
Goldman Sachs Group Inc457,314$21.7M0.0%+10,926
Northern Trust Corp350,082$16.6M0.0%+25,639
Manufacturers Life Insurance Company, The302,663$14.4M0.0%−1,877
Two Sigma Investments, LP290,716$13.8M0.0%+86,334
Aptus Capital Advisors, LLC274,011$13.0M0.1%+1,653
Russell Investments Group, Ltd.249,138$11.8M0.0%−37,226
Vanguard Fiduciary Trust Co246,941$11.7M0.0%+5,690
Bank of New York Mellon Corp219,969$10.4M0.0%+12,018
Focus Partners Wealth162,839$7.7M0.0%−21,359
Mutual Of America Capital Management LLC160,559$7.6M0.1%−9,650
Deprince Race & Zollo Inc140,680$6.7M0.1%−92,833
Crawford Investment Counsel Inc138,709$6.6M0.1%−1,310
Morgan Stanley122,072$5.8M0.0%−34,928

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How GERMAN AMERICAN BANCORP, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARGERMAN AMERICAN BANCORP, INC.1
  • CIK0000714395
  • Employer ID (EIN)35-15475184
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inIndiana4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address711 Main St, P O Box 810, Jasper, IN 475461
  • Mailing address711 Main Street, Jasper, IN 475461
  • Phone81248213141
  • Shares outstanding37,578,808 as of Aug 1, 202611
  • Public float$1.4B as of Jun 30, 20254
  • AuditorCrowe LLP, Indianapolis, Indiana PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 13, 19951
  • Filings2,955 in all: 4 (1,956), 8-K (297), 5 (196), 10-Q (93), 4/A (45), 13F-HR (33), 3 (32), DEF 14A (31)1
    All 51 form types

    10-K (29), 425 (23), S-4/A (22), SC 13G/A (17), 11-K (16), UPLOAD (15), 424B3 (13), CORRESP (13), S-4 (13), EFFECT (12), ARS (11), 5/A (10), 8-K/A (8), SC 13G (6), PRE 14A (5), S-3 (5), S-8 (5), SC TO-I/A (4), SCHEDULE 13G/A (4), 10-C (3), 10-K/A (3), 3/A (3), FWP (3), N-PX (3), SC 13D (3), 10-K405 (2), 15-15D (2), DEFA14A (2), S-8 POS (2), SCHEDULE 13G (2), 10-Q/A (1), 144 (1), 15-12B (1), 424B1 (1), 8-A12B (1), POS AM (1), REGDEX (1), S-3/A (1), S-3ASR (1), S-3D (1), SC 13D/A (1), SC TO-C (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Mar 18, 2026
    Latest 8-K (8-K) Sep 8, 2026

Securities registered for trading

ClassSymbolExchange
Common Shares, no par valueGABCNasdaq Global Select Market

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks GERMAN AMERICAN BANCORP, INC. names in Item 1A of its 10-K filed Feb 27, 2026: 32 risks under these headings, as written.4

  • Risks Related to Our Business and Financial Strategies
  • Economic weakness in our geographic markets could negatively affect us.
  • If our actual loan losses exceed our estimates, our earnings and financial condition will be impacted.
  • Our allowance for credit losses may not be adequate to cover actual losses.
  • We could be adversely affected by changes in interest rates.
  • The Company’s business, results of operations and financial condition may be adversely affected by epidemics, pandemics or other infectious disease outbreaks.
  • The banking and financial services business in our markets is highly competitive.
  • The manner in which we report our financial condition and results of operations may be affected by accounting changes.
  • We may be adversely affected by changes in tax laws.
  • Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
  • The value of securities in our investment securities portfolio may be negatively affected by market interest rates or disruptions in securities markets, and could affect our liquidity.
  • The soundness of other financial institutions could adversely affect us.
The other 21 risks
  • We are dependent on key personnel and the loss of one or more of those key personnel could harm our business.
  • Our controls and procedures may fail or be circumvented.
  • Our methods of reducing risk exposure may not be effective.
  • We are exposed to risk of environmental liabilities with respect to properties to which we take title.
  • Climate change and related legislative and regulatory initiatives may materially affect the Company’s business and results of operations.
  • Expectations from customers, regulators, investors, and other stakeholders with respect to the Company’s environmental, social and governance practices could negatively impact our reputation, ability to do business with certain partners, access to capital, and our stock price.
  • Risks Related to the Financial Services Industry
  • We operate in a highly regulated environment and changes in laws and regulations to which we are subject may adversely affect our results of operations.
  • We will become subject to increased regulation when we have more than $10 billion in total consolidated assets.
  • We are required to maintain certain minimum amounts and types of capital and may be subject to more stringent capital requirements in the future. A failure to meet applicable capital requirements could have an adverse effect on us.
  • Our FDIC insurance premiums may increase, and special assessments could be made, which may have a materially adverse effect on our results of operations and financial condition.
  • Risks Related to Our Operations
  • We face significant operational risks due to the high volume and the high dollar value nature of transactions we process.
  • Unauthorized disclosure of sensitive or confidential client or customer information, whether through a cyber-attack, other breach of our computer systems or otherwise, could harm our business.
  • Our information systems may experience an interruption or breach in security.
  • Increasing fraud risk could adversely affect our business, financial condition, and reputation.
  • We are dependent upon third parties for certain information system, data management and processing services and to provide key components of our business infrastructure.
  • Third party vendors provide key components of our business infrastructure such as internet connections, network access and core application processing.
  • Technological advancements may subject us to additional risks.
  • Risks Relating to Expansion of Our Businesses by Acquisition
  • Any acquisitions of banks, bank branches, or loans or other financial service assets pose risks to us.
  • We may not be successful in overcoming these risks or any other problems encountered in connection with mergers or acquisitions.
  • We may incur substantial costs to expand by acquisition, and such acquisitions may not result in the levels of profits we seek.
  • Risks Related to Our Common Stock
  • Our common stock price may fluctuate significantly, and this may make it difficult for you to resell our common stock at times or at prices acceptable to you.

Legal proceedings

There are no pending legal proceedings, other than routine litigation incidental to the business of the Company’s subsidiaries, to which the Company or any of its subsidiaries is a party or of which any of their property is the subject.

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
  54. 54
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69
  70. 70
  71. 71
  72. 72
  73. 73
  74. 74
    SEC EDGAROther events
  75. 75
  76. 76
  77. 77
  78. 78
  79. 79
  80. 80
  81. 81
  82. 82
  83. 83
  84. 84
  85. 85
  86. 86
  87. 87