8-K current report · filed Apr 22, 2026

FIRST MERCHANTS CORP (FRME) 8-K Current Report: April 22, 2026

Item 2.02Item EX-99.1FRME overview

Short answer

FIRST MERCHANTS CORP (FRME) filed an 8-K current report with the SEC on April 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). First Merchants reported first-quarter 2026 results for the period ended March 31, 2026.

FIRST MERCHANTS CORP 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • First Merchants reported first-quarter 2026 results for the period ended March 31, 2026
  • Earnings release furnished as Exhibit 99.1, containing the financial performance details investors need
  • April 23, 2026 earnings call and webcast scheduled for 9:00 a.m. ET
  • Investor presentation furnished as Exhibit 99.2, likely providing management commentary and outlook context

Item EX-99.1 · Exhibit EX-99.1

  • Q1 2026 adjusted EPS $1.03, up 9.6% YoY, masking GAAP EPS decline to $0.45 from $0.94
  • First Savings acquisition closed February 1, adding $2.4B assets, $1.8B loans, and $1.7B deposits
  • $29.8M mortgage mark-to-market loss and $17.0M acquisition costs materially depressed reported earnings
  • Net interest margin expanded to 3.35%, while organic loans grew 5.9% and organic deposits increased 2.3% YoY
  • Capital remained strong at 11.22% CET1, but loan-to-deposit ratio rose to 92.6% and nonperforming assets increased to 0.43%

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