First Merchants Corporation is a publicly traded bank holding company headquartered in Muncie, Indiana, that provides a wide array of financial products and services through its subsidiary, First Merchants Bank. The company focuses on relationship-based community banking, targeting both individual consumers and commercial clients. Its offerings include deposit accounts, lending solutions, cash management services and investment advisory capabilities, all designed to serve the evolving needs of businesses and households in its markets.
On the consumer side, First Merchants Bank delivers standard checking and savings accounts, money market funds, certificates of deposit and mortgage financing. Commercial banking services encompass commercial real estate lending, equipment financing, agricultural credits and lines of credit tailored to small and mid-sized businesses. The bank’s treasury management solutions feature electronic funds transfers, merchant card services, remote deposit capture and fraud prevention tools, helping corporate clients optimize their transactional and liquidity requirements.
In addition to core banking operations, First Merchants offers wealth management and trust services, including financial planning, retirement account administration, custodial services and brokerage execution. These services are supported by a team of investment and fiduciary professionals who work to align client portfolios with long-term objectives. The company also provides specialized offerings such as foreign exchange and letters of credit for clients engaged in international trade.
First Merchants Bank traces its roots to a local Muncie bank founded in the late 19th century. Over time, it has expanded through selective branch acquisitions and organic growth to serve communities across central and eastern Indiana, as well as adjacent markets in Ohio and Kentucky. The corporation’s leadership team is committed to balancing community engagement with disciplined risk management, maintaining a focus on credit quality, capital strength and long-term shareholder value.
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