Company: FRME
Filing Date: 2025-10-17
Form Type: S-4/A
Source: 0001193125-25-242318
Chunk: 106

Company: FIRST MERCHANTS CORP
Filing Date: 2025-10-17
Form: S-4/A
Chunk 106
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, and certain relationships is incorporated by reference in this document from other documents filed by First Merchants with the SEC and
listed under “WHERE YOU CAN FIND ADDITIONAL INFORMATION” on page 89. If you desire copies of any of these documents, you may contact First Merchants at its address or telephone number indicated under “WHERE YOU CAN FIND
ADDITIONAL INFORMATION” on page 89.

77

DESCRIPTION OF FIRST SAVINGS

Business

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.

First Savings Bank converted from a federally-chartered savings bank to an Indiana-chartered commercial bank and became a member the Federal
Reserve System effective December 19, 2014. As a result of First Savings Bank’s charter conversion, First Savings converted to a bank holding company and simultaneously elected financial holding company status effective December 19,
2014.

As of June 30, 2025, on a consolidated basis, First Savings had assets of $2.4 billion, loans of $2.0 billion,
deposits of $1.7 billion, and shareholders’ equity of $183.8 million. As of September 30, 2024, First Savings Bank had 250 full-time employees and 24 part-time employees.

First Savings’ common stock is traded on the Nasdaq Capital Market under the symbol “FSFG.” Its principal executive office
is located at 702 North Shore Drive, Suite 300, Jeffersonville, IN 47130, and its telephone number is (812) 283-0724.

Incorporation of Certain Information Regarding First Savings by Reference

The foregoing information concerning First Savings does not purport to be complete. Certain additional information relating to First
Savings’ business, management, executive officer and director compensation, voting securities, and certain relationships is incorporated by reference in this document from other documents filed by First Savings with the SEC and listed under
“WHERE YOU CAN FIND ADDITIONAL INFORMATION” on page 89.