Company: FRME
Filing Date: 2025-11-06
Form Type: 424B3
Source: 0001193125-25-268801
Chunk: 6

Company: FIRST MERCHANTS CORP
Filing Date: 2025-11-06
Form: 424B3
Chunk 6
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 the creditworthiness of customers and
the possible impairment of collectability of loans; fluctuations in market rates of interest; competitive factors in the banking industry; changes in the banking legislation or regulatory requirements of federal and state agencies applicable to
banks and bank holding companies; continued availability of earnings and excess capital sufficient for the lawful and prudent declaration of dividends; changes in market, economic, operational, liquidity (including the ability to grow and maintain
core deposits and retain large uninsured deposits), credit, and interest rate risks associated with First Merchants’ and First Savings’ businesses; the impacts of epidemics, pandemics, or other infectious disease outbreaks; and other
risks and factors identified in First Merchants’ filings with the SEC.

Neither First Merchants nor First Savings undertakes any
obligation to update any forward-looking statement, whether written or oral, relating to the matters discussed herein unless required to under the federal securities laws. In addition, First Merchants’ and First Savings’ past results of
operations do not necessarily indicate either of their anticipated future results, whether or not the Merger is completed.

TABLE OF CONTENTS

|                                                                                        |     | Page |    |
| QUESTIONS AND ANSWERS ABOUT THE MERGER AND THE SHAREHOLDER                             
 MEETING                                                                                |     |      |  1 |
| SUMMARY                                                                                |     |      |  6 |
| SELECTED CONSOLIDATED FINANCIAL DATA                                                   |     |      | 16 |
| SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF FIRST                               
 MERCHANTS                                                                              |     |      | 17 |
| SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA OF FIRST                               
 SAVINGS                                                                                |     |      | 18 |
| UNAUDITED PRO FORMA SUMMARY OF SELECTED CONSOLIDATED FINANCIAL DATA OF FIRST MERCHANTS |     |      | 19 |
| RISK FACTORS                                                                           |     |      | 23 |
| THE FIRST SAVINGS SPECIAL MEETING                                                      |     |      | 30 |
| General Information                                                                    |     |      | 30 |
| Matters To Be Considered                                                               |     |      | 30 |
| Vote Required                                                                          |     |      | 30 |
| Voting Agreement                                                                       |     |      | 30 |
| Proxies                                                                                |     |      | 31 |
| Solicitation of Proxies                                                                |     |      | 31 |
| Recommendation of the First Savings Board of Directors                                 |     |      | 31