What is Farmers and Merchants Trust Company of Chambersburg's financial health grade?

Farmers and Merchants Trust Company of Chambersburg has a TFS Financial Health Grade of C- (score: 71.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Farmers and Merchants Trust Company of Chambersburg have?

Farmers and Merchants Trust Company of Chambersburg has 25 branch locations across the United States.

Is Farmers and Merchants Trust Company of Chambersburg FDIC insured?

Yes, Farmers and Merchants Trust Company of Chambersburg is FDIC insured (Certificate #8405).

What are the total assets of Farmers and Merchants Trust Company of Chambersburg?

Farmers and Merchants Trust Company of Chambersburg has total assets of $2.2B as reported in its most recent FDIC filing.

Farmers and Merchants Trust Company of Chambersburg

BankChambersburg, Pennsylvania

fmtrust.bank

Total Assets

$2.2B

Total Deposits

$1.8B

Branches

Established

1906

TFS Health Grade

C-

71.4 / 100

Average financial health

How we grade

Farmers and Merchants Trust Company of Chambersburg is a bank headquartered in Chambersburg, Pennsylvania, established in 1906. With $2.2B in total assets and 25 branch locations, it has a TFS Financial Health Grade of C- (71.4/100).

Capital & Safety

Tier 1 Capital Ratio

8.57%(8%)

Total Capital Ratio

13.27%(10%)

Non-Performing Loan Ratio

0.54%

Profitability

Return on Assets (ROA)

1.06%(1%)

Return on Equity (ROE)

14.23%(10%)

Net Interest Margin

3.44%

Efficiency Ratio

64.75%(60%)

Lending & Liquidity

Total Loans

$1.6B

Loan-to-Deposit Ratio

84.93%

Net Charge-Off Ratio

0.00%

Growth

Asset Growth (YoY)

+1.91%

Deposit Growth (YoY)

+0.61%

Net Income

$24.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Farmers and Merchants Trust Company of ChambersburgHQ	20 S Main St	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	83 W Washington Street	Hagerstown	MD	11
Farmers and Merchants Trust Company of Chambersburg	3 E 1st St	Boiling Springs	PA	11
Farmers and Merchants Trust Company of Chambersburg	3907 Market St	Camp Hill	PA	11
Farmers and Merchants Trust Company of Chambersburg	Carlisle Crossing Branch	Carlisle	PA	11
Farmers and Merchants Trust Company of Chambersburg	1901 Ritner Hwy	Carlisle	PA	11
Farmers and Merchants Trust Company of Chambersburg	800 E High St	Carlisle	PA	11
Farmers and Merchants Trust Company of Chambersburg	2075 Scotland Ave	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	870 Norland Ave	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	1712 Lincoln Way E	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	841 Wayne Ave	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	2405 Philadelphia Avenue Extended	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	1625 Philadelphia Ave	Chambersburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	518 N Antrim Way	Greencastle	PA	11
Farmers and Merchants Trust Company of Chambersburg	1100 Lincoln Way West	Hamilton Township	PA	11
Farmers and Merchants Trust Company of Chambersburg	4765 Linglestown Road	Harrisburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	7781 Waterfall Rd	Hustontown	PA	11
Farmers and Merchants Trust Company of Chambersburg	Colorado Street	Marion	PA	11
Farmers and Merchants Trust Company of Chambersburg	100 Lincoln Way E	Mcconnellsburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	6375 Carlisle Pike	Mechanicsburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	2 Park St	Mont Alto	PA	11
Farmers and Merchants Trust Company of Chambersburg	9 W Big Spring Ave	Newville	PA	11
Farmers and Merchants Trust Company of Chambersburg	18810 Sandy Ridge Sta	Orbisonia	PA	11
Farmers and Merchants Trust Company of Chambersburg	13 Shippensburg Shopping Ctr	Shippensburg	PA	11
Farmers and Merchants Trust Company of Chambersburg	200 E Main St	Waynesboro	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.