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REGULATORY CAPITAL AND DIVIDENDS - Schedule of Actual and Required Capital (Details) $ in Thousands | Dec. 31, 2024 USD ($) | Dec. 31, 2023 USD ($)
--- | --- | ---
Total risk-based capital to risk-weighted assets |  |
Actual | $ 2,030,362 | $ 2,021,124
Basel III Minimum Capital Required | 1,601,175 | 1,552,685
Tier 1 capital to risk-weighted assets |  |
Actual | 1,767,468 | 1,703,626
Basel III Minimum Capital Required | 1,296,189 | 1,256,935
Common equity tier 1 capital to risk-weighted assets |  |
Actual | 1,742,468 | 1,678,626
Prompt Corrective Action Thresholds | 1,067,450 | 1,035,123
Tier I Capital to Average Assets, Amount |  |
Amount | 1,767,468 | 1,703,626
Basel III Minimum Capital Required | $ 710,089 | $ 707,091
Ratio |  |
Total risk-based capital to risk-weighted assets, Actual | 0.1331 | 0.1367
Total risk-based capital to risk-weighted assets, Basel III Minimum Capital Required | 10.50% | 10.50%
Tier 1 capital to risk-weighted assets, Actual | 0.1159 | 0.1152
Tier 1 capital to risk-weighted assets, Basel III Minimum Capital Required | 8.50% | 8.50%
Common equity tier 1 capital to risk-weighted assets, Actual | 0.1143 | 0.1135
Common equity tier 1 capital to risk-weighted assets, Basel III Minimum Capital Required | 7.00% | 7.00%
Leverage Ratios |  |
Ratio | 0.0996 | 0.0964
Basel III Minimum Capital Required | 4.00% | 4.00%
First Merchants Bank |  |
Total risk-based capital to risk-weighted assets |  |
Actual | $ 1,967,738 | $ 1,931,810
Basel III Minimum Capital Required | 1,602,417 | 1,553,600
Well Capitalized | 1,526,112 | 1,479,619
Tier 1 capital to risk-weighted assets |  |
Actual | 1,776,738 | 1,746,299
Basel III Minimum Capital Required | 1,297,195 | 1,257,676
Well Capitalized | 1,220,889 | 1,183,695
Common equity tier 1 capital to risk-weighted assets |  |
Actual | 1,776,738 | 1,746,299
Prompt Corrective Action Thresholds | 1,068,278 | 1,035,733
Well Capitalized | 991,973 | 961,752
Tier I Capital to Average Assets, Amount |  |
Amount | 1,776,738 | 1,746,299
Basel III Minimum Capital Required | 716,172 | 706,331
Well Capitalized | $ 895,215 | $ 882,913
Ratio |  |
Total risk-based capital to risk-weighted assets, Actual | 0.1289 | 0.1306
Total risk-based capital to risk-weighted assets, Basel III Minimum Capital Required | 10.50% | 10.50%
Total risk-based capital to risk-weighted assets, Well Capitalized | 0.1000 | 0.1000
Tier 1 capital to risk-weighted assets, Actual | 0.1164 | 0.1180
Tier 1 capital to risk-weighted assets, Basel III Minimum Capital Required | 8.50% | 8.50%
Tier 1 capital to risk-weighted assets, Well Capitalized | 0.0800 | 0.0800
Common equity tier 1 capital to risk-weighted assets, Actual | 0.1164 | 0.1180
Common equity tier 1 capital to risk-weighted assets, Basel III Minimum Capital Required | 7.00% | 7.00%
Common equity tier 1 capital to risk-weighted assets, Well Capitalized | 0.0650 | 0.0650
Leverage Ratios |  |
Ratio | 0.0992 | 0.0989
Basel III Minimum Capital Required | 4.00% | 4.00%
Well Capitalized | 0.0500 | 0.0500

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