Company: FRME
Filing Date: 2025-06-20
Form Type: 11-K
Source: 0000712534-25-000132
Chunk: 4

Company: FIRST MERCHANTS CORP
Filing Date: 2025-06-20
Form: 11-K
Chunk 4
---
:

• Citizens Financial Bank - Acquired on November 12, 2013.

• Community Bank - Acquired on November 7, 2014.

• Cooper State Bank - Acquired on April 17, 2015.

• Ameriana Bank - Acquired on December 31, 2015

• The Arlington Bank - Acquired on May 19, 2017

• iAB Financial Bank - Acquired on July 14, 2017.

• Monroe Bank and Trust - Acquired on September 1, 2019.

• Hoosier Trust Company - Acquired on April 1, 2021.

• Level One Bank – Acquired on April 1, 2022.

Through the acquisition of Ameriana Bank, the decision was made to merge the Ameriana 401(k) Plan into the Plan on July 8, 2016. Cooper State Bank and The Arlington Bank were both participants in a multi-employer Pentegra 401(k) Plan in which participation ceased in that plan on the acquisition date. Citizens Financial Bank, Community Bank, iAB Financial Bank, Monroe Bank and Trust, Hoosier Trust Company and Level One Bank all had former 401(k) plans which were terminated and distributed.

The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA). Lincoln Financial Group Trust Company (Lincoln Financial) serves as the trustee of the Plan and Lincoln Retirement Services Company (Lincoln) serves as the recordkeeper of the Plan. Matrix Trust Company holds the unitized stock account in which the First Merchants Corporation common stock is now held.

<div align='center'>5</div>

#### First Merchants Corporation

#### Retirement Income and Savings Plan

### Notes to Financial Statements

#### December 31, 2024 and 2023

#### Contributions
The Plan permits eligible employees, through a salary deferral election, to contribute up to 75% of eligible compensation, not to exceed the maximum annual limit allowed by law. Employee rollover contributions are also permitted. The Plan also accepts Roth elective deferrals made on behalf of participants. Catch-up contributions are also available for participants in the year in which they turn 50 years of age.

Prior to March 1, 2005, the Corporation made matching contributions of its employees' salary deferral amounts of 25% of the first 5% of employees' eligible compensation for all participating employees. After March 1, 2005, the matching contribution