Side-by-side · Q2 2026 data
ACNB Bank vs Farmers and Merchants Trust Company of Chambersburg
Bank
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | ACNB Bank | Farmers and Merchants Trust Company of Chambersburg |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 62 (stronger) | 38 |
| Loan quality | 87 (stronger) | 63 |
| Earnings | 92 (stronger) | 71 |
| Funding & liquidity | 58 | 69 (stronger) |
| Problem-loan coverage | 95 (stronger) | 83 |
| Peer percentile | 83rd | 21st |
| Total assets | $3.3B | $2.3B |
| Deposits / shares | $2.6B | $1.9B |
| Capital ratio | 11.25% (stronger) | 8.83% |
| Problem loans | 0.40% (stronger) | 1.10% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.80% (stronger) | 1.27% |
| Loans ÷ deposits | 94.2% | 82.7% (stronger) |
| Uninsured deposits | 22.4% (stronger) | 22.7% |
| Offices | 31 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
ACNB Bank has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), ACNB Bank leads on 6 and Farmers and Merchants Trust Company of Chambersburg on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chambersburg, PA
- Newville, PA