Bank call report · Muncie, IN
First Merchants Bank Call Report
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First Merchants Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 636 reported line items, schedule by schedule (911 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 17147 |
| FDIC certificate number | 4365 |
| Total assets | $21.32B |
Official Q2 2026 call report PDF (FFIEC) →
First Merchants Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (31 items)
About Schedule RC · First Merchants Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $21.32B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $21.32B |
| Total Liabilities and Minority Interest | RCON2948 | $18.59B |
| Total Deposits | RCON2200 | $16.78B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $15.53B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $15.29B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $12.92B |
| Deposits: Noninterest-bearing | RCON6631 | $3.86B |
| Total Equity Capital | RCON3210 | $2.73B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $2.73B |
| Surplus | RCON3839 | $1.96B |
| Held-to-maturity Securities, Total | RCON1754 | $1.91B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $1.91B |
| Other Borrowed Money | RCON3190 | $1.42B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.38B |
| Undivided Profits and Capital Reserves | RCON3632 | $898.4M |
| Intangible Assets | RCON2143 | $840.7M |
| Other Assets | RCON2160 | $827.1M |
| Goodwill | RCON3163 | $787.7M |
| Interest-bearing Balances | RCON0071 | $471.0M |
| Other Liabilities, Total | RCON2930 | $281.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $241.6M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $208.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $167.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $145.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$131.7M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $103.3M |
| Loans and Leases Held for Sale | RCON5369 | $77.9M |
| Common Stock | RCON3230 | $10.9M |
| Other Real Estate Owned | RCON2150 | $1.6M |
| Perpetual Preferred Stock and Related Surplus | RCON3838 | $125K |
Schedule RI: Income Statement (53 items)
About Schedule RI · First Merchants Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $509.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $463.6M |
| Net Interest Income | RIAD4074 | $312.5M |
| Total Noninterest Expense | RIAD4093 | $229.6M |
| Total Interest Expense | RIAD4073 | $196.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $171.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $164.8M |
| Salaries and Employee Benefits | RIAD4135 | $132.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $86.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $84.5M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $84.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $79.7M |
| Net Income (Loss) | RIAD4340 | $79.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $79.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $69.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $61.0M |
| Other Noninterest Expense | RIAD4092 | $60.1M |
| Total Noninterest Income | RIAD4079 | $39.5M |
| Provision for Loan and Lease Losses | RIAD4230 | $37.9M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $37.9M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $35.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $32.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $29.7M |
| Interest on Other Securities | RIAD4060 | $25.7M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $25.1M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $24.5M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $23.4M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $18.6M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $11.5M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $11.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $10.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $9.8M |
| Other Noninterest Income | RIADB497 | -$9.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $6.0M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $5.3M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $5.0M |
| Applicable Income Taxes | RIAD4302 | $4.8M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $3.7M |
| Other Interest Income | RIAD4518 | $3.5M |
| Fees and Commissions from Annuity Sales | RIADC887 | $3.3M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $3.2M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $3.2M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $2.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.4M |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $2.3M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $2.1M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $2.0M |
| Net Servicing Fees | RIADB492 | $1.0M |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$871K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $716K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $29K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 2,233 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $616.1M |
| Balances Due from Federal Reserve Banks | RCON0090 | $498.1M |
| Currency and Coin | RCON0080 | $66.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $48.4M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $3.2M |
Schedule RC-B: Securities (51 items)
About Schedule RC-B · First Merchants Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $9.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $8.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $1.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $1.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $341.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $285.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $384.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $334.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $38.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $33.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $144.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $123.2M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Amortized Cost | RCONG374 | $3.9M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Fair Value | RCONG375 | $3.9M |
| Pledged Securities | RCON0416 | $3.10B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $1.72B |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.65B |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $1.56B |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $1.06B |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $988.3M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $920.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $893.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $504.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $353.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $326.4M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $313.1M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $269.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $178.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $86.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $83.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $73.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $71.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $70.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $67.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $29.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $18.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $17.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $17.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $11.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $11.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $8.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $7.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $5.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $5.1M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $3.9M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $3.9M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $1.5M |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $199K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $53K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $4K |
Schedule RC-C, Part I: Loans and Leases (62 items)
About Schedule RC-C, Part I · First Merchants Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $15.61B |
| Pledged Loans and Leases | RCONG378 | $12.91B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.99B |
| Commercial and Industrial Loans | RCON1766 | $4.73B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $4.73B |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG092 | $2.79B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.51B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $2.40B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $2.16B |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG091 | $1.67B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.41B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $1.37B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.30B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.30B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.12B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.11B |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.07B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $834.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $767.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $721.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $715.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $622.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $489.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $467.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $273.0M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $236.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $224.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $165.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $148.3M |
| Loans to consumer credit intermediaries | RCONPV08 | $135.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $112.2M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG095 | $109.2M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $99.2M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG094 | $91.1M |
| Loans to business credit intermediaries | RCONPV06 | $65.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $53.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $53.1M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG101 | $46.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $42.9M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $42.1M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG100 | $37.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $33.7M |
| Other Loans | RCONJ464 | $33.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $31.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $31.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $25.9M |
| Loans to private equity funds | RCONPV07 | $25.6M |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG093 | $12.9M |
| Loans to mortgage credit intermediaries | RCONPV05 | $10.6M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individual for Household Family and Other Personal Expenditures | RCONG098 | $9.7M |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RCONB837 | $9.7M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $8.8M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individuals for Household, Family and Other Personal Expenditures | RCONG097 | $8.6M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $2.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $2.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $2.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $1.9M |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG096 | $1.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $1.6M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $1.5M |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG102 | $400K |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individuals for Household, Family, and Other Personal Expenditures | RCONG099 | $167K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $647.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $366.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $116.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $86.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $69.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $54.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $23.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $18.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $15.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $11.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $5.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $5.7M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 6,196 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,474 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 1,430 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 1,068 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 591 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 318 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 239 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 220 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 214 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 169 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 151 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 96 |
Schedule RC-E: Deposit Liabilities (36 items)
About Schedule RC-E · First Merchants Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $8.60B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $8.18B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $6.91B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $6.60B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $4.63B |
| Total Demand Deposits (See Note Below) | RCON2210 | $3.86B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.99B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $1.88B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $1.82B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $1.75B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.46B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.41B |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.27B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $1.26B |
| Total Brokered Deposits | RCON2365 | $1.26B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $1.10B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.09B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.05B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $958.6M |
| Total reciprocal deposits | RCONJH83 | $579.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $554.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $500.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $499.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $471.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $313.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $246.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $193.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $172.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $158.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $140.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $33.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $26.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $7.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $2.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $1.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $216K |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $261.5M |
| Other Assets | RCON2168 | $192.3M |
| Accrued Interest Receivable | RCONB556 | $101.9M |
| Net Deferred Tax Assets | RCON2148 | $89.6M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $84.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $70.8M |
| Prepaid Expenses | RCON2166 | $56.0M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $49.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $26.8M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $172.8M |
| All Other Liabilities | RCON2938 | $81.7M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $48.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $18.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $8.4M |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · First Merchants Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $21.37B |
| Quarterly Average of Total Loans | RCON3360 | $15.80B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $6.16B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $5.97B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.99B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $4.52B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $3.08B |
| All Other Securities | RCONB560 | $1.89B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.75B |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.37B |
| Mortgage-backed Securities | RCONB559 | $1.01B |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $488.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $399.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $228.5M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $181.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $158.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $99.7M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (21 items)
About Schedule RC-L · First Merchants Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $3.31B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $3.17B |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $3.15B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.59B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.11B |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $740.3M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $427.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $378.1M |
| Other unused commitments: Loans to private equity funds | RCONPV14 | $240.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $167.5M |
| Other unused commitments: Loans to consumer credit intermediaries | RCONPV15 | $93.4M |
| Interest Rate Forward Contracts | RCON8697 | $83.7M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCONPV12 | $64.1M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $56.9M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $49.6M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $48.8M |
| Performance Standby Letters of Credit | RCON3821 | $42.0M |
| Other unused commitments: Loans to business credit intermediaries | RCONPV13 | $29.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $29.2M |
| Commercial and Similar Letters of Credit | RCON3411 | $22.6M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCON3822 | $1.9M |
Schedule RC-M: Memoranda (17 items)
About Schedule RC-M · First Merchants Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $680.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $680.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $490.0M |
| FHLB Advances: Structured Advances | RCONF059 | $410.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $189.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $55.0M |
| All other intangible assets | RCONJF76 | $42.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $15.1M |
| Mortgage Servicing Assets | RCON3164 | $10.5M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $6.9M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.5M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $1.6M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $1.1M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $1.1M |
| Outstanding balance of PPP loans | RCONLG27 | $417K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (43 items)
About Schedule RC-N · First Merchants Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $118.2M |
| Additions to Nonaccrual Assets | RCONC410 | $81.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $66.6M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $51.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $33.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $17.7M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $16.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $12.3M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $11.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $10.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $10.6M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $9.8M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $9.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $8.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $8.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $8.4M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $6.6M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $5.8M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $5.8M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK117 | $5.1M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $5.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $4.7M |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $3.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $2.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $2.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $2.3M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $2.1M |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $976K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $800K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $665K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $428K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $410K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $192K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $139K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $138K |
| 1-4 Family Residential Construction Loans, Past Due 90 or More Days and Still Accruing. | RCONF174 | $130K |
| All Other Loans - Nonaccrual | RCON5461 | $88K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $75K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $24K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $11K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 90 or More Days and Still Accruing. | RCONF175 | $9K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $7K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (23 items)
About Schedule RC-O · First Merchants Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unsecured Other Borrowings with a Remaining Maturity of One Year or Less | RCONG465 | $1.1M |
| Unsecured Other Borrowings with a Remaining Maturity of Over Five Years | RCONG468 | $6.9M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $21.37B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $16.79B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $10.15B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $7.61B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $6.50B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $2.07B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $826.2M |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $499.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $125.0M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $35.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $15.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCONN179 | $11.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $5.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $4.9M |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $2.0M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by Junior Liens on 1-4 Family Residential Properties and Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCONN180 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 417,136 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 7,295 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 6,634 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 43 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $180.9M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $176.0M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $29.1M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $5.2M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $1.43B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $1.43B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $1.38B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $1.38B |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $49.6M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $49.6M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $49.6M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $49.6M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $48.8M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $48.8M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $48.8M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $48.8M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $48.8M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $48.8M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $2.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $2.5M |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · First Merchants Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · First Merchants Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $21.37B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $20.55B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $17.80B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $2.73B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $2.27B |
| Common Equity Tier 1 Capital | RCOAP859 | $2.05B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $2.05B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $2.05B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.97B |
| Retained Earnings | RCOAKW00 | $898.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $818.8M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $785.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $222.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $222.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $222.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$135.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$131.7M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $29.8M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $3.9M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $3.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1275 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.115 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.115 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0996 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0475 |
Schedule RC-R, Part II: Risk-Weighted Assets (93 items)
About Schedule RC-R, Part II · First Merchants Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $17.83B |
| Total Risk-weighted Assets | RCONG641 | $17.80B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $14.78B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $14.78B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $13.19B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $11.17B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $10.54B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $4.25B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $4.23B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $4.22B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $2.58B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $2.47B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $2.35B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $2.24B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $2.11B |
| Total All Other Assets | RCOND981 | $2.05B |
| Unconditionally Cancellable Commitments | RCONS540 | $2.03B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $2.01B |
| Total Held-to-maturity Securities | RCOND961 | $1.91B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $1.65B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $1.47B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.38B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.24B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.23B |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $987.7M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $960.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $957.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $957.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $954.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $818.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $782.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $662.0M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $660.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $616.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $567.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $470.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $405.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $387.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $294.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $292.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $287.9M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $286.5M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $259.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $240.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $172.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$171.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $114.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $114.7M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $103.6M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $103.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $103.6M |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $103.3M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $103.3M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $103.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $102.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $92.0M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $92.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $90.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $88.1M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $56.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $48.9M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $46.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $42.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $37.9M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $30.4M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $29.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $29.2M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $29.2M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $26.4M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $26.4M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $24.4M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $22.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $21.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $21.0M |
| Loans and Leases Held for Sale, All Other Exposures - 20 Pct Risk Weight Category | RCONS434 | $15.3M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $15.3M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $12.2M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $12.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $11.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $11.1M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $9.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $9.5M |
| Allocation by Risk Weight Category 20%, Loans and Leases Held for Sale, High Volatility Commercial Real Estate Exposures | RCONH175 | $6.3M |
| Total Loans and Leases Held for Sale, High Volatility Commercial Real Estate Exposures | RCONS419 | $6.3M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $5.5M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $4.5M |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $4.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $2.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $2.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $1.9M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $417K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $169K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $2.57B |
Schedule RC-T: Fiduciary and Related Services (41 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $4.23B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $1.51B |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $1.22B |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $815.1M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $745.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $519.2M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $507.4M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $277.8M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $222.5M |
| Employee Benefit-defined Benefit - Non-managed Asssets | RCONB877 | $125.4M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $73.8M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $45.9M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $29.5M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $22.8M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $16.0M |
| Income from Fiduciary Activities | RIAD4070 | $14.1M |
| Corporate Trust and Agency Accounts - Non-managed Assets | RCONB885 | $10.3M |
| Personal Trust and Agency Accounts | RIADB904 | $5.1M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $5.0M |
| Other Retirement Accounts | RIADB907 | $1.9M |
| Employee Benefit-defined Contribution | RIADB905 | $905K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $769K |
| Employee Benefit-defined Benefit | RIADB906 | $180K |
| Custody and Safekeeping Accounts | RIADB909 | $126K |
| Gross Fees, Commissions and Other Fiduciary Income: Corporate Trust and Agency Accounts | RIADA479 | $33K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 2,588 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 885 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 792 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 710 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 320 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 161 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 161 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 70 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 54 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 38 |
| Corporate Trust and Agency Accounts - Number of Non-managed Accounts | RCONC002 | 28 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 28 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 25 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 6 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCONB879 | 2 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $2.73B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $2.47B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $2.47B |
| Changes Incident to Business Combinations, Net | RIAD4356 | $267.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $80.0M |
| Other Comprehensive Income | RIADB511 | -$3.5M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $2.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (19 items)
About Schedule RI-B, Part I · First Merchants Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $17.4M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $11.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $3.5M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3.3M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1.7M |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $1.0M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $752K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $503K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $486K |
| Charge-offs on Automobile Loans | RIADK129 | $360K |
| Recoveries on Automobile Loans | RIADK133 | $327K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $303K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $272K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $169K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $71K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $32K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $9K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · First Merchants Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $241.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $195.6M |
| Adjustments | RIADC233 | $22.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $17.4M |
| Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, 'Balance end of current period,' above) | RIADMG94 | $2.6M |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $245K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $245K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $15.53B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $6.16B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $4.86B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $3.48B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $874.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $241.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $149.9M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $137.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $55.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $41.1M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $4.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $3.0M |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $245K |
| Held to Maturity Securities, Total | RCONJJ25 | $245K |
Schedule RI-E: Explanations (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Initial allowances for credit losses recognized upon the acquisition of purchased credit deterioriated assets on or after the effective date of ASU 2016-13 | RIADJJ27 | $22.3M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $13.5M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $10.3M |
| Data Processing Expenses | RIADC017 | $9.3M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $4.3M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $1.7M |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $1.2M |
| Safe Deposit Box Rent | RIADC015 | $220K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $117K |
First Merchants Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First Merchants Bank call report?
The First Merchants Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First Merchants Bank file?
First Merchants Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First Merchants Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Merchants Bank has Federal Reserve RSSD ID 17147 and FDIC certificate number 4365. Either one finds its filings on the FFIEC Central Data Repository.
How often does First Merchants Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First Merchants Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 4365) · FFIEC NIC profile (RSSD 17147)