FRME

First Merchants Corporation

Sector: financial servicesBanks - RegionalNASDAQMarket Cap: $2.67B

Regional bank holding company with minimal federal political exposure and no measurable lobbying or campaign activity.

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Govt Dependence

35/100

Regulatory Density

65/100

Lobbying Intensity

5/100

Political Signal

LOW

BusinessWhat FRME does

First Merchants Corporation is a bank holding company operating community banks across Indiana and Ohio, providing retail and commercial banking services including deposits, loans, and wealth management. Revenue derives primarily from net interest income on loan portfolios and deposit spreads, with secondary income from service fees and wealth management.

Lifetime Government AwardsFRME federal contracts

FRME doesn't hold direct federal contracts.

Verified via USASpending.gov: $0 reported in direct prime-contract awards. Companies in this position typically sell federal services indirectly through prime contractors and integrators (e.g., Lockheed Martin, Booz Allen, Microsoft Azure) or through commercial channels that don't appear in USASpending data.

Corporate Insiders · Form 4What CEOs, CFOs, and directors are doing with their own stock

Stock awards & option exercises

stock awards · $3.8M market value

2026-09-30 WOJTOWICZ JEAN L Director AWARD 785 sh $31K

2026-09-30 Becher Michael R Director AWARD 608 sh $24K

2026-09-30 RECHIN MICHAEL C Director AWARD 608 sh $24K

2026-09-30 Sondhi Jason R Director AWARD 589 sh $23K

2026-09-30 Halderman Howard Director AWARD 589 sh $23K

2026-09-30 Myers Larry W Director AWARD 569 sh $23K

2026-09-30 KELLOGG CLARK C Director AWARD 569 sh $23K

2026-09-30 Brooks Susan W Director AWARD 569 sh $23K

For FRME, executives receive stock primarily as compensation rather than via open-market purchases — typical for established large-cap firms.

Bills to WatchLegislation flagged by our analysis

Basel III endgame rulesCommunity Reinvestment Act reformdeposit insurance threshold changes

Political ProfileWhere FRME sits in Washington

As a small-cap regional bank with no direct federal contracts or pharma exposure, FRME stock responds primarily to interest-rate policy and local economic conditions rather than legislative/regulatory news specific to the company.

Regulatory ExposureThreats & opportunities

Regulatory threats

Fed stress testing requirements
FDIC capital rules tightening
compliance cost inflation

Regulatory opportunities

CRA modernization
regulatory relief for sub-$100B banks
deposit insurance expansion

LobbyingWho's hired to advocate for FRME

American Bankers AssociationIndiana Bankers Association

Member intelligence layer

Live signals + predictions for FRME — for Founders

The free page above gives you the public record. Members see the real-time intelligence layer on top of it:

Live 7-layer signal scores when Congress trades FRME
Bill Pass Index v2 odds for every bill on the watch list
Iron Triangle alerts (committee × donor × trade)
SEC Form 4 cluster detection (CEO + CFO + director buys)
Whale-Opportunity expected-value ranking
Custom watchlist alerts via email + Discord

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Frequently AskedAbout FRME & political exposure

Does First Merchants Corporation (FRME) hold federal contracts?

No direct prime contracts reported in USASpending.gov for First Merchants Corporation. Companies in the semiconductor and AI hardware sectors often sell to the federal government via prime contractors and cloud resellers (Microsoft Azure, AWS, Lockheed Martin systems integration) rather than as direct primes.

What is FRME political risk profile?

Government dependence: 35/100. Lobbying intensity: 5/100. Political signal: low.

How does GovGreed track FRME political activity?

GovGreed integrates STOCK Act congressional trade disclosures, FEC contributions, OGE executive-branch disclosures, USASpending federal contracts, Senate LDA lobbying filings, and SEC Form 4 corporate insider trades into a single queryable graph. FRME data is updated daily from these official federal sources.