FRME FIRST MERCHANTS CORP
FY2025 10-K
FIRST MERCHANTS CORP (FRME) filed its fiscal year 2025 10-K annual report with the SEC on Feb 25, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Regional bank offering a range of financial products and services amidst intense industry competition
- • Emphasis on adapting to technological changes and increased competition from fintech firms with fewer regulatory constraints
Management Discussion & Analysis
- • Dividends available from subsidiaries $228.9M as of Dec 31, 2025 without regulatory approval
- • Preferred stock outstanding $25.0M with 7.5% dividend, paid $1.9M in dividends in 2025
Risk Factors
- • Regulatory risk from merger approval by federal and state banking regulators related to First Savings acquisition with $0.8M merger expenses
- • Macroeconomic exposure to Midwest regional economy through $2.4B asset base added by First Savings acquisition in Indiana
Financial SummaryXBRL
Revenue
$925M
Net Income
$226M
Net Margin
24.4%
ROE
9.2%
Total Assets
$19.0B
EPS (Diluted)
$3.88
Operating Cash Flow
$284M
Source: XBRL data from FIRST MERCHANTS CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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