First Merchants Bank (FDIC #4365): Bank Stress & Real-Estate Credit Exposure

First Merchants Bank (FDIC Cert #4365): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST MERCHANTS CORP (FRME).

First Merchants Bank (#4365) lends in 43 counties across 3 states; First Merchants Bank (#4365) reaches 754 ZIP codes: Indiana 36 counties, 447 ZIPs; Michigan 6 counties, 257 ZIPs; Ohio 1 county, 50 ZIPs.

First Merchants Bank (#4365) largest markets: Oakland County, MI (639 branches, 71 ZIPs) (#4365), Wayne County, MI (497 branches, 71 ZIPs) (#4365), Franklin County, OH (450 branches, 50 ZIPs) (#4365), Marion County, IN (123 branches, 41 ZIPs) (#4365), Macomb County, MI (39 branches, 39 ZIPs) (#4365), Kent County, MI (39 branches, 39 ZIPs) (#4365).

First Merchants Bank (#4365) reports $21.32 billion in total assets; First Merchants Bank (#4365) equity $2.73 billion (12.8% of First Merchants Bank (#4365) assets); First Merchants Bank (#4365) domestic deposits $16.78 billion; First Merchants Bank (#4365) net income $79.7 million; First Merchants Bank (#4365) return on assets 0.78%; First Merchants Bank (#4365) return on equity 6.04%; First Merchants Bank (#4365) net interest income $312.5 million; First Merchants Bank (#4365) call report June 30, 2026.

First Merchants Bank (#4365) noncurrent real-estate loans 0.09% of its book; First Merchants Bank (#4365) residential 0.21%; First Merchants Bank (#4365) net charge-offs on real estate 0.78%; First Merchants Bank (#4365) residential charge-offs 0.58%.

First Merchants Bank (#4365) net interest margin 3.40% against an eight-quarter First Merchants Bank (#4365) average of 3.24% (First Merchants Bank (#4365) compression -0.16 points); First Merchants Bank (#4365) real-estate loans 9.0% of equity; First Merchants Bank (#4365) non-residential real estate 57.9% of equity; First Merchants Bank (#4365) rate-exposure score 40/100, First Merchants Bank (#4365) fixed-rate trap 40/100; First Merchants Bank (#4365) risk type credit driven; First Merchants Bank (#4365) rate regime rates elevated; First Merchants Bank (#4365) shares 12.2% below the 52-week high, First Merchants Bank (#4365) equity trend weakening, First Merchants Bank (#4365) snapshot October 20, 2026.

First Merchants Bank (#4365) stress score moved from 65.3 on June 22, 2026 to 65 on October 20, 2026; First Merchants Bank (#4365) ranged 65 to 65.3 over 117 snapshots.

First Merchants Bank (#4365) alerts: 40 counties; top First Merchants Bank (#4365) alert scores: Wabash County, IN 40 (moderate); Decatur County, IN 36 (moderate); Huntington County, IN 33 (low); Bluffton County, IN 22 (low); Bourbon County, IN 22 (low).