What is German American Bancorp, Inc.'s Shariah compliance score?

German American Bancorp, Inc.'s (GABC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does German American Bancorp, Inc. pass AAOIFI screening?

German American Bancorp, Inc. (GABC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (GABC: 5.5%), (3) interest-bearing deposits below 30% (GABC: 10.4%), and (4) prohibited income below 5% (GABC: 86.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for German American Bancorp, Inc. stock?

German American Bancorp, Inc. (GABC) has a non-permissible income ratio of 86.64%. Muslim investors should purify this percentage of any dividends received and capital gains realized from GABC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen German American Bancorp, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for German American Bancorp, Inc. (GABC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about GABC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

GABC: Is German American Bancorp, Inc. Halal?

German American Bancorp, Inc.

NASDAQFinancial ServicesUS

$47.60

-0.96%

Market Cap: 1.8B

Compliance Status

Not Halal

Screened on Jul 20, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is German American Bancorp, Inc. (GABC) halal? Not Halal. Based on AAOIFI screening, German American Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

5.5% of 30.0% limit

What this means for you

Most scholars advise not holding GABC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About German American Bancorp, Inc.

German American Bancorp, Inc. functions as the parent entity for German American Bank, offering a comprehensive suite of retail and commercial banking services. The company's operations are divided into three core segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment's primary activities include accepting deposits from the public and originating diverse loan types, such as consumer, commercial, agricultural, commercial and agricultural real estate, and residential mortgage loans; it also facilitates the sale of residential mortgage loans on the secondary market. Through its Wealth Management segment, the company delivers trust administration, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment is responsible for providing various personal and corporate property and casualty insurance products. By the end of 2021, the company operated 77 banking branches spanning 19 adjacent counties in southern Indiana, in addition to 14 counties in Kentucky. Founded in 1910, German American Bancorp, Inc. is headquartered in Jasper, Indiana.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 20, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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JPMorgan Chase & Co.

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A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is German American Bancorp, Inc. (GABC) halal to invest in?

German American Bancorp, Inc. (GABC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did German American Bancorp, Inc. get a F compliance rating?

German American Bancorp, Inc. (GABC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 5.5% (limit 30%); interest-bearing deposits of 10.4% (limit 30%); prohibited income of 86.64% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change German American Bancorp, Inc.'s Shariah verdict?

German American Bancorp, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is German American Bancorp, Inc. re-screened for Shariah compliance?

German American Bancorp, Inc. (GABC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 20, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.