First Merchants (NASDAQ: FRME) furnishes Q4 2025 results and earnings call info

Rhea-AI Filing Summary

First Merchants Corporation furnished an update on its fourth quarter and full-year performance by issuing a press release covering financial results for the quarter ended December 31, 2025. The company released this information on January 26, 2026 and attached the press release as Exhibit 99.1.

First Merchants also scheduled a fourth quarter 2025 earnings conference call and webcast for January 27, 2026 at 9:00 a.m. Eastern Time, using a slide presentation furnished as Exhibit 99.2. The company specifies that the press release and presentation are being furnished, not filed, under the securities laws and will only be incorporated into other documents if expressly referenced.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of earliest event reported): January 26, 2026

FIRST MERCHANTS CORPORATION

(Exact name of registrant as specified in its charter)

Indiana
(State or other jurisdiction of incorporation)
001-41342			35-1544218
(Commission File Number)			(IRS Employer Identification No.)

200 East Jackson Street

P.O. Box 792

Muncie, IN 47305-2814

(Address of principal executive offices, including zip code)

(765) 747-1500

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Title of Each Class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.125 stated value per share			FRME			The Nasdaq Stock Market LLC
Depositary Shares, each representing a 1/100th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A			FRMEP			The Nasdaq Stock Market LLC

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On January 26, 2026, First Merchants Corporation issued a press release to report its financial results for the fourth quarter ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

On January 27, 2026, First Merchants Corporation will conduct a fourth quarter 2025 earnings conference call and webcast at 9:00 a.m. (ET). A copy of the slide presentation utilized on the conference call is furnished as Exhibit 99.2 to this Current Report on Form 8-K.

The information in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2 hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liability of that section. The information in this Current Report shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(a)    Not applicable.

(b)    Not applicable.

(c)    Not applicable.

(d)    Exhibits.

Exhibit 99.1			Press Release, dated January 26, 2026, issued by First Merchants Corporation
Exhibit 99.2			Slide Presentation, utilized on January 27, 2026 during conference call and webcast by First Merchants Corporation
Exhibit 104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

First Merchants Corporation

(Registrant)

By: /s/ Michele M. Kawiecki

Michele M. Kawiecki

Executive Vice President, Chief Financial Officer

(Principal Financial and Accounting Officer)

Dated: January 26, 2026

EXHIBIT INDEX

Exhibit No.			Description
99.1			Press Release, dated January 26, 2026 issued by First Merchants Corporation
99.2			Slide Presentation, utilized on January 27, 2026 during conference call and webcast by First Merchants Corporation
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

FAQ

What did First Merchants Corporation (FRME) disclose in this 8-K?

First Merchants Corporation furnished a press release reporting its financial results for the fourth quarter ended December 31, 2025 and provided details of its upcoming earnings call.

Which period’s results are covered in First Merchants (FRME) latest update?

The update covers First Merchants Corporation’s financial results for the fourth quarter ended December 31, 2025.

When is First Merchants Corporation’s Q4 2025 earnings call and webcast?

The Q4 2025 earnings conference call and webcast are scheduled for January 27, 2026 at 9:00 a.m. Eastern Time.

What exhibits are included with First Merchants (FRME) January 26, 2026 8-K?

The filing includes a press release as Exhibit 99.1, an earnings slide presentation as Exhibit 99.2, and a cover page interactive data file as Exhibit 104.

Are the Q4 2025 earnings materials for First Merchants considered filed with the SEC?

The company states that the press release and slide presentation are furnished, not filed, and are not subject to certain Exchange Act liabilities unless specifically incorporated by reference elsewhere.

Where can investors find First Merchants Corporation’s Q4 2025 slides?

Investors can review the slide presentation used for the Q4 2025 earnings call in Exhibit 99.2 to the 8-K.