\u30d5\u30a1\u30fc\u30b9\u30c8\u30fb\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u30fb\u30b3\u30fc\u30dd\u30ec\u30fc\u30b7\u30e7\u30f3\u306f\u3001$100\u767e\u4e07\u306e\u793e\u50b5\u767a\u884c\u4fa1\u683c\u3092\u6c7a\u5b9a\u3057\u305f\u3002\u30a4\u30f3\u30c7\u30a3\u30a2\u30ca\u5dde\u306b\u62e0\u70b9\u3092\u7f6e\u304f\u6301\u682a\u4f1a\u793e\u3067\u3042\u308b\u30d5\u30a1\u30fc\u30b9\u30c8\u30fb\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u306f\u3001\u898f\u5236\u8cc7\u672c\u57fa\u76e4\u3092\u5f37\u5316\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u5e45\u5e83\u3044\u4f01\u696d\u7528\u9014\u306b\u5411\u3051\u305f\u67d4\u8edf\u6027\u3092\u7dad\u6301\u3057\u305f\u3044\u8003\u3048\u3060\u3002.<\/p>
2026\u5e749\u670823\u65e5\u306b\u767a\u8868\u3055\u308c\u305f\u3053\u306e\u767a\u884c\u306b\u306f\u30012036\u5e74\u306b\u6e80\u671f\u3092\u8fce\u3048\u308b6.750%\u306e\u56fa\u5b9a\u91d1\u5229\u304b\u3089\u5909\u52d5\u91d1\u5229\u3078\u306e\u8ee2\u63db\u578b\u52a3\u5f8c\u50b5\u304c\u542b\u307e\u308c\u308b\u3002\u30d5\u30a1\u30fc\u30b9\u30c8\u30fb\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u793e\u306f\u3001\u30af\u30ed\u30fc\u30b8\u30f3\u30b0\u6761\u4ef6\u3092\u6e80\u305f\u3059\u3053\u3068\u3092\u524d\u63d0\u3068\u3057\u3066\u3001\u672c\u53d6\u5f15\u304c9\u670825\u65e5\u9803\u306b\u5b8c\u4e86\u3059\u308b\u898b\u8fbc\u307f\u3060\u3002 \u30d5\u30a1\u30fc\u30b9\u30c8\u30fb\u30de\u30fc\u30c1\u30e3\u30f3\u30c4\u306f\u3001\u5f53\u8a72\u50b5\u5238\u304c\u5f53\u8a72\u76ee\u7684\u306b\u304a\u3044\u3066Tier 2\u8cc7\u672c\u3068\u3057\u3066\u9069\u683c\u3068\u306a\u308b\u3053\u3068\u3092\u610f\u56f3\u3057\u3066\u3044\u308b\u3068\u8ff0\u3079\u305f\u3002.<\/p>
\u3053\u306e\u50b5\u5238\u306f\u30012026\u5e749\u670825\u65e5\u304b\u30892031\u5e749\u670830\u65e5\u307e\u3067\u30016.750%\u306e\u56fa\u5b9a\u91d1\u5229\u304c\u9069\u7528\u3055\u308c\u308b\u3002\u5229\u6255\u3044\u306f2027\u5e744\u67081\u65e5\u304b\u3089\u3001\u5f53\u521d\u306f\u5e742\u56de\u884c\u308f\u308c\u308b<\/p>
Starting October 1 2031 the interest rate will reset every three months. The new rate will be the three‑month Term SOFR benchmark plus 202 basis points and interest will then be paid quarterly. If the notes are not redeemed earlier they will mature on October 1 2036.<\/p>
First Merchants will be able to redeem the notes at par starting October 1 2031 and on each interest‑payment date as long as the terms of the securities allow.<\/p>
The structure gives First Merchants access to longer‑term funding. Provides a capital instrument that can count toward regulatory capital requirements.<\/p>
First Merchants said First Merchants intends to use the proceeds for general corporate purposes, including potential repurchases of its common shares. First Merchants operates First Merchants Bank. Offers banking and wealth‑management services in Indiana, Michigan and Ohio. As of June 30 2026 First Merchants reported assets of about $21.3 billion.<\/p>
\u52a3\u5f8c\u50b5\u306f\u3001\u9280\u884c\u306e\u8cc7\u672c\u7ba1\u7406\u306b\u304a\u3044\u3066\u4e00\u5b9a\u306e\u5f79\u5272\u3092\u679c\u305f\u3057\u5f97\u308b\u3002\u3068\u3044\u3046\u306e\u3082\u3001\u8981\u4ef6\u3092\u6e80\u305f\u3059\u91d1\u878d\u5546\u54c1\u306f\u3001\u666e\u901a\u682a\u5f0f\u3092\u65b0\u305f\u306b\u767a\u884c\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u30d5\u30a1\u30fc\u30b9\u30c8\u30fb\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u306e\u8cc7\u672c\u57fa\u76e4\u3092\u88dc\u5b8c\u3067\u304d\u308b\u304b\u3089\u3067\u3042\u308b\u3002.<\/p>
The transaction therefore fits within a broader banking‑sector focus, on keeping capital while balancing shareholder returns, lending capacity and regulatory requirements.<\/p>
\u4eca\u56de\u306e\u767a\u8868\u306f\u4e3b\u306b\u8cc7\u672c\u5e02\u5834\u306b\u304a\u3051\u308b\u53d6\u5f15\u3067\u3042\u308b\u304c\u3001\u30b5\u30fc\u30d3\u30b9\u306e\u6280\u8853\u9762\u306b\u3082\u5f71\u97ff\u3092\u53ca\u307c\u3059\u3002.<\/p>
\u9280\u884c\u306f\u4f9d\u7136\u3068\u3057\u3066\u3001\u30d0\u30f3\u30ad\u30f3\u30b0\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u4e0d\u6b63\u691c\u77e5\u3001\u30c7\u30fc\u30bf\u30b7\u30b9\u30c6\u30e0\u3001\u81ea\u52d5\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30b7\u30b9\u30c6\u30e0\u306b\u8cc7\u91d1\u3092\u6295\u5165\u3057\u3066\u3044\u308b\u3002\u8cc7\u672c\u304c\u3042\u308c\u3070\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u901a\u5e38\u306e\u878d\u8cc7\u3084\u65e5\u3005\u306e\u696d\u52d9\u30cb\u30fc\u30ba\u306b\u52a0\u3048\u3001\u3053\u3046\u3057\u305f\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u3078\u306e\u8cc7\u91d1\u8abf\u9054\u306b\u304a\u3044\u3066\u3082\u3001\u3088\u308a\u67d4\u8edf\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u3002.<\/p>
\u4e2d\u5805\u9280\u884c\u306b\u3068\u3063\u3066\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3078\u306e\u6295\u8cc7\u306f\u975e\u5e38\u306b\u91cd\u8981\u3060\u3002\u3068\u3044\u3046\u306e\u3082\u3001\u9867\u5ba2\u306f\u30e2\u30d0\u30a4\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u3084\u5373\u6642\u6c7a\u6e08\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u306e\u53e3\u5ea7\u958b\u8a2d\u3001\u305d\u3057\u3066\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u6c42\u3081\u59cb\u3081\u3066\u3044\u308b\u304b\u3089\u3060\u3002\u4e00\u65b9\u3067\u3001\u9280\u884c\u306f\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3084\u696d\u52d9\u7d99\u7d9a\u6027\u306e\u78ba\u4fdd\u306b\u5bfe\u3059\u308b\u8981\u6c42\u306e\u9ad8\u307e\u308a\u306b\u3082\u5bfe\u5fdc\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002.<\/p>
\u3057\u305f\u304c\u3063\u3066\u3001\u8cc7\u672c\u8a08\u753b\u3068\u6280\u8853\u6295\u8cc7\u306f\u307e\u3059\u307e\u3059\u5bc6\u63a5\u306b\u95a2\u9023\u3057\u5408\u3063\u3066\u3044\u308b\u3002\u9280\u884c\u304c\u30b7\u30b9\u30c6\u30e0\u3092\u66f4\u65b0\u3067\u304d\u308b\u304b\u3069\u3046\u304b\u306f\u3001\u9078\u629e\u3059\u308b\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u3084\u6280\u8853\u3060\u3051\u3067\u306a\u304f\u3001\u8cc7\u91d1\u3084\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3001\u305d\u3057\u3066\u8cc7\u672c\u306b\u95a2\u3059\u308b\u898f\u5247\u3092\u3069\u306e\u3088\u3046\u306b\u6271\u3046\u304b\u306b\u3082\u5de6\u53f3\u3055\u308c\u308b\u3002.<\/p>
\u306b\u3064\u3044\u3066 First Merchants<\/a> \u3053\u306e\u53d6\u5f15\u306f\u3001\u65e5\u672c\u306e\u9280\u884c\u696d\u754c\u3084\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u696d\u754c\u306b\u3068\u3063\u3066\u3082\u53c2\u8003\u4f8b\u3068\u306a\u308b\u3002.<\/p> \u65e5\u672c\u306e\u9280\u884c\u306f\u3001\u30af\u30e9\u30a6\u30c9\u30b7\u30b9\u30c6\u30e0\u3001\u4eba\u5de5\u77e5\u80fd\u3001\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u30c7\u30fc\u30bf\u30c4\u30fc\u30eb\u306b\u591a\u984d\u306e\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u308b\u3002\u3053\u3046\u3057\u305f\u30b7\u30b9\u30c6\u30e0\u304c\u9280\u884c\u696d\u52d9\u306e\u4e00\u90e8\u3068\u306a\u308b\u306b\u3064\u308c\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u6280\u8853\u3078\u306e\u6295\u8cc7\u3068\u8cc7\u672c\u9700\u8981\u3068\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u53d6\u308a\u3064\u3064\u3001\u5168\u4f53\u7684\u306a\u8cc7\u91d1\u72b6\u6cc1\u3092\u9069\u5207\u306b\u7ba1\u7406\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002.<\/p> \u65e5\u672c\u306e\u91d1\u878d\u6a5f\u95a2\u3082\u3001\u81ea\u5df1\u8cc7\u672c\u3084\u30ea\u30b9\u30af\u7ba1\u7406\u306b\u95a2\u3059\u308b\u898f\u5247\u306b\u57fa\u3065\u3044\u3066\u696d\u52d9\u3092\u884c\u3063\u3066\u3044\u308b\u3002\u7c73\u56fd\u5f0f\u306e\u30c6\u30a3\u30a22\u8cc7\u672c\u5236\u5ea6\u306f\u65e5\u672c\u3067\u306f\u76f4\u63a5\u63a1\u7528\u3055\u308c\u3066\u3044\u306a\u3044\u3082\u306e\u306e\u3001\u305d\u306e\u57fa\u672c\u7406\u5ff5\u306f\u4f9d\u7136\u3068\u3057\u3066\u5f53\u3066\u306f\u307e\u308b\u3002\u3064\u307e\u308a\u3001\u9280\u884c\u306b\u306f\u3001\u898f\u5247\u3092\u9075\u5b88\u3057\u3064\u3064\u3001\u878d\u8cc7\u3092\u652f\u3048\u3001\u6280\u8853\u3092\u66f4\u65b0\u3057\u3001\u5f37\u976d\u3055\u3092\u7dad\u6301\u3059\u308b\u305f\u3081\u306e\u5f37\u3055\u304c\u6c42\u3081\u3089\u308c\u308b\u306e\u3060\u3002.<\/p> AI\u304c\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u4e00\u74b0\u3068\u306a\u3063\u3066\u3044\u304f\u4e2d\u3067\u3001\u3053\u308c\u306f\u7279\u306b\u91cd\u8981\u3060\u3002\u4e0d\u6b63\u3092\u691c\u77e5\u3057\u305f\u308a\u3001\u9867\u5ba2\u306e\u4fe1\u7528\u72b6\u6cc1\u306e\u78ba\u8a8d\u3084\u30ea\u30b9\u30af\u306e\u76e3\u8996\u3092\u652f\u63f4\u3057\u305f\u308a\u3059\u308bAI\u30c4\u30fc\u30eb\u3092\u5c0e\u5165\u3059\u308b\u306b\u306f\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u30b7\u30b9\u30c6\u30e0\u3084\u30c7\u30fc\u30bf\u7ba1\u7406\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5bfe\u7b56\u306a\u3069\u3078\u306e\u6295\u8cc7\u304c\u5fc5\u8981\u3068\u306a\u308b\u3002.<\/p> First Merchants offering shows that capital‑market activity can give banks the financial flexibility they need. The company is not putting the money into one technology project. Instead it keeps the money flexible for corporate use and also creates an instrument that can count as regulatory capital.<\/p> \u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u696d\u754c\u306b\u3068\u3063\u3066\u3001\u3053\u306e\u52d5\u5411\u306f\u3001\u9280\u884c\u8cc7\u672c\u3001\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u3001\u305d\u3057\u3066\u898f\u5236\u3078\u306e\u8010\u6027\u306e\u9593\u306e\u7d50\u3073\u3064\u304d\u304c\u5f37\u307e\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u5506\u3057\u3066\u3044\u308b\u3002.<\/p> \u7c73\u56fd\u3084\u65e5\u672c\u3001\u305d\u306e\u4ed6\u306e\u5e02\u5834\u306b\u304a\u3044\u3066\u3001\u9280\u884c\u304c\u6280\u8853\u30a4\u30f3\u30d5\u30e9\u306e\u5237\u65b0\u3092\u7d9a\u3051\u308b\u4e2d\u3001\u7d4c\u55b6\u529b\u3068\u6280\u8853\u6226\u7565\u306f\u4eca\u5f8c\u3082\u5bc6\u63a5\u306b\u7d50\u3073\u3064\u3044\u3066\u3044\u304f\u3060\u308d\u3046\u3002\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u6210\u9577\u306b\u306f\u6295\u8cc7\u304c\u5fc5\u8981\u3060\u3002\u305d\u3046\u3057\u305f\u6295\u8cc7\u306f\u3001\u307e\u3059\u307e\u3059\u8907\u96d1\u5316\u3059\u308b\u8cc7\u672c\u3001\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u30ea\u30b9\u30af\u3001\u898f\u5236\u306e\u67a0\u7d44\u307f\u306e\u4e2d\u306b\u53ce\u307e\u308b\u3082\u306e\u3067\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3002.<\/p>","protected":false},"excerpt":{"rendered":" First Merchants Corporation has priced a $100 million offering of notes. First Merchants, an Indiana-based holding company wants to strengthen its regulatory capital position and keep flexibility for wider corporate uses.Announced on September 23 2026 the offering contains 6.750% fixed-to-floating rate subordinated notes that will mature in 2036. First Merchants expects the transaction to close around September 25 subject to closing conditions. First Merchants said the notes are meant to qualify as Tier 2 capital for purposes.Fixed Rate Before a Floating-Rate ResetThe notes will have a fixed interest rate of 6.750% from September 25 2026 to September 30 2031. Interest will first be paid twice a year starting April 1 […]<\/p>\n","protected":false},"author":7,"featured_media":39531,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[940,1,8098],"tags":[110,15853,15854,15856,15855],"ppma_author":[572],"class_list":["post-39509","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance-tech","category-fintech","category-news-articles","tag-cybersecurity","tag-data-systems","tag-detecting-fraud","tag-first-merchants","tag-notes-offering"],"yoast_head":"\n\u3053\u3061\u3089\u3082\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\uff1a RSM\u3068Rillet\u304c\u3001\u4e2d\u5805\u4f01\u696d\u5411\u3051\u306b\u300cAgentic Finance\u300d\u3092\u63d0\u4f9b\u3059\u308b<\/a><\/h4>