First Merchants Results Presentation Deck

First Merchants Corporation (NASDAQ: FRME) Largest financial services holding company headquartered in Central Indiana ILLINOIS MICHIGAN INDIANA 119 Banking Centers First Merchants Corporation Helping you prosper OHIO Financial Highlights as of 6/30/2023 $18.0 Billion Total Assets $12.3 Billion Total Loans $14.6 Billion Total Deposits Forbes 2023 WORLD'S BEST BANKS POWERED BY STATISTA $7.4 Billion Assets Under Advisement* *Assets Under Management - $3.5 Billion Moody's a3 Baseline Credit Assessment¹ ★★★ AMERICA'S BEST BANKS 2023 Newsweek YTD ROAA: YTD Return on TCE CRAIN'S CLEVELAND BUSINESS BEST EMPLOYERS IN OHIO 2022 TCE/TA: Market Cap Dividend Yield: Price / Tangible Book: Price / LTM EPS: AMERICAN BANKER. N Best Banks to Work For 2022 Best Company LEADERSHIP 2022 Best Company CULTURE 1.38% 18.91% 7.99% $1.7B 4.61% 1.21x 6.5x Forbes 2023 AMERICA'S BEST BANKS 2022 Best Company WORK-LIFE BALANCE ¹Moody's Credit Opinion - First Merchants Corporation, October 25, 2022, baseline Credit Assessment (BCA) reflects a bank's standalone credit strength 4

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