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First Merchants (FRME) investor relations material
First Merchants Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Q2 2025 net income was $56.4M ($0.98 EPS), up 43–44% year-over-year, with YTD net income at $111.2M ($1.92 EPS), up 28–30% from 2024.
Loan growth reached $297.6M (9.1% annualized) in Q2, led by commercial lending; deposit growth was $335.6M (9.3% annualized).
Capital position remains strong with CET1 ratio at 11.35% and tangible common equity ratio at 8.92%.
Efficiency ratio improved to 53.99% for Q2, reflecting positive operating leverage.
Share repurchases totaled 818,480 shares ($31.7M) YTD, with 582,486 shares ($22.1M) in Q2.
Financial highlights
Net interest income for Q2 was $133.0M–$139.2M, up sequentially; net interest margin rose to 3.25%.
Noninterest income was $31.3M, up $1.3M sequentially, driven by higher customer-related fees.
Provision for credit losses dropped to $5.6M from $24.5M year-over-year.
Total assets reached $18.6B, loans $13.3B, deposits $14.8B as of June 30, 2025.
Tangible book value per share increased to $27.90, up $0.56 from prior quarter.
Outlook and guidance
Management expects continued loan growth, stable asset quality, and strong capital ratios.
Modest margin compression anticipated in the second half due to rising deposit costs and competition.
Noninterest income projected to grow mid-single digits in the back half of the year.
Expense growth expected to be modest, with a 1–2% increase in Q3/Q4.
Tax rate anticipated to approach 13% in the second half.
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Next First Merchants earnings date
Q3 202523 Oct, 2025
Next First Merchants earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
First Merchants Corporation operates as the financial holding company for First Merchants Bank that provides community banking services. The company offers personal and business checking accounts, savings accounts, certificates of deposit, money market accounts, personal loans, home equity loans, mortgage loans, automobile loans and consumer credit card lines to its retail customers both in-branch and through its electronic channels. It also offers credit cards, debit cards and related services to its business customers. First Merchants Corporation is based in Marion, Indiana.
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