🏦Bank Scorer

FIRST MERCHANTS BANK

MUNCIE, IN · Supervised by FDIC

Est. 1893FDIC #4,365RSSD: FDIC-4365
Part ofFIRST MERCHANTS CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.66%

Institution Profile

FDIC BankFind

Address

200 E Jackson St, MUNCIE, IN

County

Delaware County

Established

March 13, 1893

Total Assets

$21.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$21.0B

Total Deposits

$16.5B

Net Loans

$15.5B

Net Income

$33M

ROA

0.66%

ROE

5.14%

Risk-Based Capital

12.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

114

Branch Deposits

$14.9B

1-Year Change

-5

5-year net change: -17 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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