Banks | First Merchants Bank
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First Merchants Bank


ACH Number: 44072243

First Merchants Bank is an FDIC insured institution headquartered at 200 E Jackson St, Muncie, IN 47305.
It was founded in 1893 and has approximately $19 billion in assets. Customers can open an account at one of its 149 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES APY MIN
Savings
0.01% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.04% $10,000 Compare
6 Mo CD
0.05% $10,000 Compare
6 Mo CD
0.09% $100,000 Compare
6 Mo CD
0.10% $100,000 Compare
Special: 12 Mo CD
0.30% $1,000 Compare
12 Mo CD
0.10% $10,000 Compare
12 Mo CD
0.15% $100,000 Compare
18 Mo CD
0.12% $10,000 Compare
18 Mo CD
0.17% $100,000 Compare
Special: 21 Mo CD
0.40% $1,000 Compare
Special: 21 Mo CD
0.35% $1,000 Compare
24 Mo CD
0.15% $10,000 Compare
24 Mo CD
0.20% $100,000 Compare
30 Mo CD
0.15% $10,000 Compare
30 Mo CD
0.20% $100,000 Compare
36 Mo CD
0.20% $10,000 Compare
36 Mo CD
0.25% $100,000 Compare
48 Mo CD
0.30% $10,000 Compare
48 Mo CD
0.35% $100,000 Compare
60 Mo CD
0.50% $10,000 Compare
60 Mo CD
0.55% $100,000 Compare
MM RATES APY MIN
Money Market
0.01% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.05% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.10% $1
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.01% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4365
Date Established 1893
Assets $ 19.01 billion
Loans $ 13.62 billion
Deposits $ 15.34 billion
Capital $ 2.47 billion

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 280.46 million
Interest-bearing balances $ 196.30 million
Total securities $ 3.38 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.62 billion
Loan loss allowance $ 195.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.66 million
Goodwill and other intangibles $ 735.55 million
All other assets $ 699.56 million
     Total Assets $ 16.54 billion

LIABILITIES
Total deposits $ 15.34 billion
      Interest-bearing deposits $ 13.16 billion
      Deposits held in domestic offices $ 15.34 billion
      % insured (estimated)" 57.22%
Federal funds purchased and repurchase agreements $ 143.76 million
Trading liabilities N.A.
Other borrowed funds $ 600.08 million
Subordinated debt N.A.
All other liabilities $ 190.46 millionn
      Total Liabilities $ 16.54 billion
      Shareholders’ Equity $ 2.47 billion

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 924.79 million
Total Interest Expense $ 385.24 million
Net interest income $ 539.55 million
Provision for loan and lease losses $ 21.25 million
Total non interest income $ 124.17 million
Total non interest expense $ 370.89 million
Pre-tax Net Operating Income $ 104.72 million

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