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BDI
FM

Farmers and Merchants Trust Company of Chambersburg

Chambersburg, PennsylvaniaFDIC Cert #8405

STATEEstablished 190625 branches

Holding company: FRANKLIN FINL SERVICES CORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
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

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$2.3B
+1.8%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.89B
+0.7%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$1.57B
+8.0%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$1.55B
+7.9%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$436M
−11.9%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$212M
−6.5%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$2.11B
+0.6%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$188M
+17.1%y/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$24.7M
+17.6%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$19.3M
+17.8%y/y
Peer standing79th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$5.46M
+16.7%y/y
Peer standing88th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$221K
−71.6%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$9.09M
+60.7%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$7.25M
+59.9%y/y
Peer standing78th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC