First Merchants Bank
Muncie, IN · State Bank, Not a Federal Reserve Member · Part of FIRST MERCHANTS CORP
Summary
- Total assets: $21.3 billion
- Total deposits: $16.8 billion
- Total loans: $15.6 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 5.6% |
| Multifamily | 4.9% |
| Owner-occupied commercial real estate | 8.8% |
| Non-owner-occupied commercial real estate | 16.1% |
| Residential | 22.7% |
| Commercial & industrial | 30.3% |
| Consumer & other | 11.6% |
Health indicators
- Tier 1 leverage ratio: 9.96%
- Total risk-based capital ratio: 12.75%
- Noncurrent loans: 0.82%
- Net charge-offs: 0.19%
- Return on assets: 0.78%
Local footprint
| County | Branches | Deposits |
|---|