Company: FRME
Filing Date: 2025-10-17
Form Type: S-4/A
Source: 0001193125-25-242318
Chunk: 15

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 15
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 document, including the documents incorporated herein by reference, and the other documents to which we have referred you before you decide how to vote. See “WHERE YOU CAN FIND ADDITIONAL INFORMATION” on page 89 for a description of documents that we incorporate by reference into this document. Each item in this summary includes a page reference that directs you to a more complete description in this document of the topic discussed.

Description of First Merchants Corporation (page 77)

First Merchants Corporation

200 East Jackson Street

Muncie, Indiana 47305

(765)
747-1500

First Merchants is a financial holding company headquartered in Muncie, Indiana and was
organized in September 1982. First Merchants common stock is listed on the Nasdaq Global Select Market under the symbol “FRME.” First Merchants has one full-service Indiana commercial bank charter, First Merchants Bank, which opened for
business in Muncie, Indiana, in March 1893. First Merchants Bank also operates First Merchants Private Wealth Advisors as a division of First Merchants Bank. First Merchants Bank has 111 full-service branches throughout Indiana, Michigan, and Ohio.
First Merchants Bank’s business activities are currently limited to one significant business segment, which is community banking.

As of June 30, 2025, on a consolidated basis, First Merchants had assets of $18.6 billion, loans of $13.3 billion, deposits of
$14.8 billion, and shareholders’ equity of $2.3 billion. As of December 31, 2024, First Merchants and its subsidiaries had 2,120 full-time equivalent employees.

Description of First Savings Financial Group, Inc. (page 78)

First Savings Financial Group, Inc.

702 North Shore
Drive, Suite 300

Jeffersonville, Indiana 47130

(812) 283-0724

First Savings Financial Group, Inc. is a financial holding company headquartered in
Jeffersonville, Indiana. First Savings Bank, which is a wholly-owned Indiana-chartered commercial bank subsidiary of First Savings, provides a variety of banking services to individuals and business customers through 16 locations in southern
Indiana. First Savings Bank attracts deposits primarily from the general public and uses those funds, along with other borrowings, primarily to originate commercial mortgage, residential mortgage, construction, commercial business, and consumer
loans, and to a lesser extent, to invest in mortgage-backed securities, municipal bonds, and other investment securities.

As