<?xml version="1.0" encoding="US-ASCII"?>  
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Fri Mar 06 21:26:51 UTC 2026 -->  
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      <link:linkbaseRef xlink:type="simple" xlink:href="gabc-20251231_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>   
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      <link:roleType roleURI="http://germanamerican.com/role/AdditionalDimensions" id="gabc_r_AdditionalDimensions">  
        <link:definition>999000 - Disclosure - Pay vs Performance Disclosure - Additional Dimensions</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
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  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>  
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  <xs:element name="ChangeInPensionValueAndEquityAwardValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_ChangeInPensionValueAndEquityAwardValueMember"/>  
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  <xs:element name="EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfCurrentAwardsVestedDuringCurrentYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_EquityAwardsAdjustmentsChangeInFairValueAsOfVestingDateOfCurrentAwardsVestedDuringCurrentYearMember"/>     
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  <xs:element name="EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_EquityAwardsAdjustmentsDividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember"/>   
  <xs:element name="EquityAwardsAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_EquityAwardsAdjustmentsMember"/>     
  <xs:element name="EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_EquityAwardsAdjustmentsYearEndFairValueOfAwardsGrantedInCurrentYearMember"/>   
  <xs:element name="EquityAwardsValueInCompensationTableForTheApplicableYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_EquityAwardsValueInCompensationTableForTheApplicableYearMember"/> 
  <xs:element name="NetAdjustmentsForEquityAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_NetAdjustmentsForEquityAwardsMember"/>  
  <xs:element name="PensionAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_PensionAdjustmentsMember"/>     
  <xs:element name="PensionAdjustmentsPensionValueInSummaryCompensationTableMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_PensionAdjustmentsPensionValueInSummaryCompensationTableMember"/> 
  <xs:element name="PensionAdjustmentsPriorServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_PensionAdjustmentsPriorServiceCostMember"/>  
  <xs:element name="PensionAdjustmentsServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_PensionAdjustmentsServiceCostMember"/>  
  <xs:element name="PensionValueEndEntityAwardsValueCompressionTableForTheApplicableYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_PensionValueEndEntityAwardsValueCompressionTableForTheApplicableYearMember"/>     
  <xs:element name="StockAwardsStockOptionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_StockAwardsStockOptionsMember"/>     
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  <xs:element name="TotalPensionAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="gabc_TotalPensionAdjustmentsMember"/>     
</xs:schema>
