{"schema_version":"secwatch.filing_event.v1","accession":"0000712534-23-000189","form_type":"8-K","ticker":"FRME","cik":"0000712534","company_name":"FIRST MERCHANTS CORP","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.464878+00:00","generated_at":"2026-06-13T03:34:56.751385+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"First Merchants Q2 EPS $1.02; loans grow 5.4% annualized ex-sales; NIM contracts 19 bps","bullets":["Net income available to common $60.4M, diluted EPS $1.02; adjusted EPS $1.02 flat YoY.","Total loans $12.3B, up $163.2M (5.4% annualized) excluding $116.6M commercial loan sale.","NIM (tax-equiv) 3.39%, down 19 bps linked quarter; net interest income $137.8M, down 6.3M from Q1.","Nonaccrual loans $69.2M, up from $46.6M linked quarter; no provision expense recorded.","Deposits declined $122.1M (3.3% annualized) to $14.6B; loan-to-deposit ratio 84.3%."],"urls":{"canonical":"https://secwatch.observer/filing/0000712534-23-000189","json":"https://secwatch.observer/filing/0000712534-23-000189.json","markdown":"https://secwatch.observer/filing/0000712534-23-000189.md","text":"https://secwatch.observer/filing/0000712534-23-000189.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000189/0000712534-23-000189-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000189/frme-20230725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:34:56.751385+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"99512b3b0de9451e46b8d3dd91ac7e63a0aa4e4e","claim":"FIRST MERCHANTS CORP reported financial results for the second quarter ended June 30, 2023.","evidence_excerpt":"On July 25, 2023, First Merchants Corporation issued a press release to report its financial results for the second quarter ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/712534/000071253423000189/0000712534-23-000189-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter ended June 30, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}