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

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 25
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ger to you. For a more detailed description of the material federal income tax consequences of the Merger to First Merchants and First Savings shareholders, see “MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES” on page 73. Comparative Rights of First Merchants and First Savings Shareholders (page 79) The rights of shareholders of First Merchants and First Savings differ in some respects. The rights of holders of First Merchants common stock are governed by the laws of the State of Indiana, including the Indiana Business Corporation Law, and First Merchants’ Articles of Incorporation and Bylaws. The rights of holders of First Savings common stock are governed by the laws of the State of Indiana, including the Indiana Business Corporation Law, and First Savings’ Articles of Incorporation and Bylaws. Upon completion of the Merger, First Savings shareholders who receive shares of First Merchants common stock will take such shares or interests subject to the First Merchants Articles of Incorporation and Bylaws. Completion of the Merger (page 60) The Merger will become effective when we file Articles of Merger with the Secretary of the State of Indiana, or at such later date and time as may be set forth in the Articles of Merger. We expect the Merger to become effective during the first quarter of 2026. Comparative Market Price Information Shares of First Merchants common stock are listed on the Nasdaq Global Select Market under the symbol “FRME.” Shares of First Savings common stock are listed on the Nasdaq Capital Market under the symbol “FSFG.” The following table presents quotation information for First Merchants common stock and for First Savings common stock on September 24, 2025, the business day before the Merger was publicly announced, and October 15, 2025, the last practicable trading day for which information was available prior to the date on which this proxy statement and prospectus was finalized.

|                    |     | First Merchants Common Stock First Savings Common Stock 
 (Dollars Per Share)                                     
 High                                                    |       |     | Low |       |     | Close |       |     | High |       |     | Low |       |     | Close |       |
|:-------------------|:----|:--------------------------------------------------------|------:|:----|:----|------:|:----|:------|------:|:----|:-----|------:|:----|:----|------:|:----|:------|------:|
| September