First Merchants Corporation is a financial holding company and community bank operating through First Merchants Bank, which maintains banking locations across Indiana, Ohio, and Michigan. The company generates revenue primarily through three business lines: commercial banking services including business lending and treasury management; consumer banking with residential mortgage and deposit products; and wealth management services provided through its First Merchants Private Wealth Advisors division. The corporation serves small businesses, agricultural enterprises, individuals, and high-net-worth clients, competing on local decision-making and personalized service while generating revenue through net interest income from loans and deposits and fee-based services including wealth advisory and mortgage origination.