{"schema_version":"secwatch.filing_event.v1","accession":"0000712534-26-000011","form_type":"8-K","ticker":"FRME","cik":"0000712534","company_name":"FIRST MERCHANTS CORP","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.516114+00:00","generated_at":"2026-05-16T08:11:58.914123+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"First Merchants Q4 EPS $0.99, adj $0.98; record full-year net income $224.1M; First Savings acquisition close Feb 1","bullets":["Net income available to common $56.6M ($0.99 diluted EPS); adjusted EPS $0.98; full-year record $224.1M ($3.88 EPS).","Loans grew $197.4M linked qtr (5.8% annualized) to $13.8B; deposits +$424.9M (11.4% annualized) to $15.3B.","NIM (FTE) 3.29% +5bps linked qtr; efficiency ratio 54.52%; nonperforming assets 0.38% of total assets.","Regulatory approval obtained for First Savings Financial Group acquisition (~$2.4B assets); closing expected Feb 1, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000712534-26-000011","json":"https://secwatch.observer/filing/0000712534-26-000011.json","markdown":"https://secwatch.observer/filing/0000712534-26-000011.md","text":"https://secwatch.observer/filing/0000712534-26-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/712534/000071253426000011/0000712534-26-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/712534/000071253426000011/frme-20260126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:11:58.914123+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}