BanksFIRST MERCHANTS BANK

FIRST MERCHANTS BANK

MUNCIE, INRegionalEst. March 13, 1893, midnightFDIC #4365RSSD #17147FDIC
Latest · 2025-12-31

FIRST MERCHANTS BANK is an FDIC-insured commercial bank headquartered in MUNCIE, IN, established in March 13, 1893, midnight. As of 2025-12-31, the bank reported total assets of $19.0B and total deposits of $15.3B. Profitability stands at 1.27% ROA and 9.83% ROE, with a net interest margin of 3.22%. CET1 capital ratio: 11.86%, well above regulatory minimums. NPL ratio: 0.52% · Texas Ratio: 2.72%. Operates 114 domestic branches.

Assets
$19.0B
Deposits
$15.3B
Loans
$13.8B
Equity
$2.5B

Profitability

Return on Assets (ROA)1.27%
Return on Equity (ROE)9.83%
Net Interest Margin3.22%
Yield on Assets5.46%
Cost of Funds2.45%

Asset Quality

NPL Ratio0.52%
Net Charge-Off Ratio0.13%
Texas Ratio2.72%
NPA Ratio0.38%
ACL / Loans1.42%

Capital & Liquidity

CET1 Ratio11.86%
Tier 1 Capital11.86%
Total Capital Ratio13.11%
Leverage Ratio10.18%
Loan-to-Deposit90.06%

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