TellerScore

Farmers and Merchants Trust Company of Chambersburg (FDIC certificate #8405) is based in Chambersburg, Pennsylvania. Its Q2 2026 call report shows $2.3B in total assets and $1.9B in deposits and 25 offices across 2 states.

Farmers and Merchants Trust Company of Chambersburg has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 80th. Problem-loan coverage contributes the most (83/100, 8.3%); capital cushion contributes the least (38/100, 8.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.83%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.10%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 82.7% · 22.7% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202465
Q1 202567
Q2 202561
Q3 202561
Q4 202563
Q1 202667
Q2 202660
Tier 1 leverage ratio
5.00%6.99%8.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.56%
Q3 20248.52%
Q4 20248.20%
Q1 20258.24%
Q2 20258.20%
Q3 20258.32%
Q4 20258.57%
Q1 20268.99%
Q2 20268.83%
Noncurrent loans
0.02%0.56%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.03%
Q4 20240.02%
Q1 20250.02%
Q2 20250.71%
Q3 20250.68%
Q4 20250.54%
Q1 20260.54%
Q2 20261.10%
Return on assets
0.65%0.96%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.81%
Q4 20240.65%
Q1 20250.81%
Q2 20250.99%
Q3 20251.02%
Q4 20251.06%
Q1 20261.28%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$2.3B8.83%1.10%1.27%82.7%
Q1 202667$2.3B8.99%0.54%1.28%82.2%
Q4 202563$2.2B8.57%0.54%1.06%84.9%
Q3 202561$2.3B8.32%0.68%1.02%81.2%
Q2 202561$2.3B8.20%0.71%0.99%78.9%
Q1 202567$2.3B8.24%0.02%0.81%76.7%
Q4 202465$2.2B8.20%0.02%0.65%75.8%
Q3 202467$2.2B8.52%0.03%0.81%77.9%
Q2 202467$2.0B8.56%0.07%0.78%81.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.83%
9th
Total risk-based capital13.73%
51st
Problem loans1.10%
24th
Net charge-offs0.07%
36th
Return on assets1.27%
51st
Net interest margin3.64%
46th
Efficiency ratio60.1%
47th
Loans to deposits82.7%
62nd
Uninsured deposits22.7%
77th
Loan-loss reserves1.36%
76th
Texas ratio8.3%
22nd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
QNB BankBank Quakertown, PA63 out of 100, Moderate$2.4B9.8%0.61%vs
The Ephrata National BankBank Ephrata, PA67 out of 100, Moderate$2.4B9.6%0.54%vs
Somerset Trust CompanyBank Somerset, PA55 out of 100, Moderate$2.5B9.1%1.49%vs
Kish BankBank Belleville, PA58 out of 100, Moderate$2.1B8.9%0.57%vs
Meridian BankBank Wayne, PA34 out of 100, Low$2.6B9.7%3.68%vs
Bank of Bird-in-HandBank Bird In Hand, PA68 out of 100, Moderate$1.9B9.8%0.19%vs

Deposit insurance

Is my money safe at Farmers and Merchants Trust Company of Chambersburg?

Yes. Farmers and Merchants Trust Company of Chambersburg is an FDIC-insured institution (FDIC certificate #8405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($437.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.73% (benchmark: 10%).

Check how much of your own balance is covered

25 locations

Branches

Farmers and Merchants Trust Company of Chambersburg lists 25 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers and Merchants Trust Company of Chambersburg
Type
State-chartered bank
FDIC certificate #
8405
RSSD ID
289515
Primary regulator
FDIC
Holding company
Franklin Finl Services Corp
Established
January 10, 1906
Headquarters
20 S Main St, Chambersburg, PA 17201
Employees
300

Quick answers

Farmers and Merchants Trust Company of Chambersburg: common questions

Is Farmers and Merchants Trust Company of Chambersburg FDIC insured?

Yes. Farmers and Merchants Trust Company of Chambersburg is an FDIC-insured institution (FDIC certificate #8405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers and Merchants Trust Company of Chambersburg's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers and Merchants Trust Company of Chambersburg ever failed?

There is no failure record for FDIC certificate #8405 in the FDIC failed bank list.

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

25 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Chambersburg

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs