German American Bancorp, Inc. is a bank holding company. The Company operates in three segments: core banking, trust and investment advisory services, and insurance operations. The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in the Company's local markets. Core banking segment also involves the sale of residential mortgage loans in the secondary market. The trust and investment advisory services segment involves providing trust, investment advisory and brokerage services to customers. The insurance segment offers a full range of personal and corporate property and casualty insurance products primarily in the Company's banking subsidiary's local markets. The Company through its banking subsidiary German American Bancorp operates 37 retail and commercial banking offices in 13 southern Indiana counties.