First Merchants Investor Presentation Deck

First Merchants Corporation (NASDAQ: FRME) Largest financial services holding company headquartered in Central Indiana ILLINOIS MICHIGAN INDIANA 118 Banking Centers First Merchants Corporation Helping you prosper OHIO Financial Highlights as of 9/30/2023 $18.0 Billion Total Assets $12.3 Billion Total Loans $14.6 Billion Total Deposits Forbes 2023 WORLD'S BEST BANKS POWERED BY STATISTA $8.0 Billion Assets Under Advisement* *Assets Under Management - $3.4 Billion Moody's a3 Baseline Credit Assessment¹ BEST EMPLOYERS IN OHIO 2023 CRAIN'S CLEVELAND BUSINESS ★★★ AMERICA'S BEST BANKS 2023 Newsweek Best Company LEADERSHIP YTD ROAA: YTD Return on TCE 2023 TCE/TA: Market Cap Dividend Yield: Price / Tangible Book: Price / LTM EPS: AMERICAN BANKER. N Best Banks to Work For Best Company WORK-LIFE BALANCE 2023 Best CEOS for WOMEN 2023 1.33% 18.10% 7.69% $1.7B 4.74% 1.24x 6.6x Forbes 2023 AMERICA'S BEST BANKS ¹Moody's Credit Opinion - First Merchants Corporation, October 25, 2022, baseline Credit Assessment (BCA) reflects a bank's standalone credit strength Best Company CAREER GROWTH 2023 4

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