German American Bancorp is the holding company for German American Bank, which operates some 30 branches in 10 southwestern Indiana counties and offers such standard retail products as checking and savings accounts, certificates of deposit, and IRAs. German American Bank was founded in 1910. Commercial and industrial loans make up about half of the bank's loan portfolio; agricultural loans account for about 20%. Other offerings include residential mortgages and consumer loans. German American Bancorp also operates insurance and trust, financial planning, and brokerage subsidiaries.