FIRST MERCHANTS BANK
MUNCIE, INDIANA · FDIC Cert #4365
Capital & Safety Analysis
According to FDIC financial data, FIRST MERCHANTS BANK holds a Tier 1 capital ratio of 11.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST MERCHANTS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST MERCHANTS BANK shows strong financial health indicators. With $18.3B in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST MERCHANTS BANK has a Bank Health Score of B (76/100). It holds a Tier 1 capital ratio of 11.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST MERCHANTS BANK holds $18.3B in total assets and $14.6B in total deposits. It is located in MUNCIE, INDIANA (FDIC Certificate #4365).
FIRST MERCHANTS BANK has a Tier 1 capital ratio of 11.32%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.50%, and the return on assets is 1.17%.
Yes. FIRST MERCHANTS BANK is FDIC-insured (Certificate #4365). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.