$2.3B
+1.8%y/y
Percentile by value82nd percentileby value
FDIC
ASSETFM
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, PennsylvaniaFDIC Cert #8405
STATEEstablished 190625 branches
Holding company: FRANKLIN FINL SERVICES CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFarmers and Merchants Trust Company of Chambersburg reported $2.3B in total assets. Deposits grew 0.68% over the prior year.
Return on assets was 1.28%, compared with an asset-peer median of 1.16%. The leverage ratio was 8.99%.
- Why is Total Assets above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.89B
+0.7%y/y
Percentile by value80th percentileby value
FDIC
DEP$1.55B
+7.9%y/y
Percentile by value78th percentileby value
FDIC
LNLSNET1.28%
+46 bpsy/y
Peer standing59th percentile
FDIC
NETINC + ROA62.40%
−705 bpsy/y
Peer standing46th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.99%
+74 bpsy/y
Peer standing13th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.68B | $1.51B |
| Q3 2021 | $1.73B | $1.56B |
| Q4 2021 | $1.77B | $1.6B |
| Q1 2022 | $1.77B | $1.61B |
| Q2 2022 | $1.83B | $1.7B |
| Q3 2022 | $1.85B | $1.72B |
| Q4 2022 | $1.7B | $1.57B |
| Q1 2023 | $1.71B | $1.52B |
| Q2 2023 | $1.74B | $1.52B |
| Q3 2023 | $1.83B | $1.58B |
| Q4 2023 | $1.84B | $1.55B |
| Q1 2024 | $2.01B | $1.57B |
| Q2 2024 | $2.04B | $1.6B |
| Q3 2024 | $2.15B | $1.73B |
| Q4 2024 | $2.2B | $1.83B |
| Q1 2025 | $2.26B | $1.88B |
| Q2 2025 | $2.29B | $1.9B |
| Q3 2025 | $2.3B | $1.9B |
| Q4 2025 | $2.24B | $1.84B |
| Q1 2026 | $2.3B | $1.89B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $149M |
| Investor CRE | $426M |
| Multifamily | $110M |
| Construction | $269M |
| 1–4 family | $380M |
| C&I | $110M |
| Agriculture | $18M |
| Other | $113M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.28%59th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE15.56%78th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.59%47th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.40%46th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+0.68%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+7.92%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.54%48th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ8.99%13th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.32%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC361%92nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.28%71st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.14%Median 0.89%90th 1.69%Observations 115
ROE
FDIC
NETINC + ROE15.56%89th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.28%Median 9.46%90th 16.02%Observations 115
NIM
FDIC
NIM + NIMY3.59%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.31%Median 3.36%90th 4.14%Observations 115
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.40%59th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.42%Median 66.79%90th 93.30%Observations 115
Deposits YoY
FDIC
DEP+0.68%19th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.48%Median +3.91%90th +15.17%Observations 112
Loans YoY
FDIC
LNLSNET+7.92%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.19%Median +5.08%90th +16.58%Observations 111
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.54%54th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.60%90th 1.76%Observations 111
Leverage
FDIC
RBC1AAJ8.99%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.32%Median 10.34%90th 21.27%Observations 115
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.32%59th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.82%Median 2.50%90th 3.71%Observations 112
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC361%91st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 17%Median 176%90th 337%Observations 80
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.28%72nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.50%Median 1.10%90th 1.53%Observations 26
ROE
FDIC
NETINC + ROE15.56%92nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.57%Median 11.36%90th 15.35%Observations 26
NIM
FDIC
NIM + NIMY3.59%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.66%Median 3.55%90th 4.21%Observations 26
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.40%52nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.37%Median 63.08%90th 78.30%Observations 26
Deposits YoY
FDIC
DEP+0.68%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.28%Median +4.62%90th +18.30%Observations 26
Loans YoY
FDIC
LNLSNET+7.92%64th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.14%Median +6.14%90th +15.24%Observations 26
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.54%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.67%90th 1.52%Observations 26
Leverage
FDIC
RBC1AAJ8.99%20th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.91%Median 9.65%90th 13.80%Observations 26
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.32%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.06%Median 2.41%90th 3.41%Observations 26
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC361%89th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 182%90th 373%Observations 19
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 25 branches
- Headquarters
- Chambersburg, PA
FDIC
OFFDOMOpen the Pennsylvania dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data