Side-by-side · Q2 2026 data
Farmers and Merchants Trust Company of Chambersburg vs Bank of Bird-in-Hand
Bank
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, Pennsylvania · $1 billion – $10 billion
Metric by metric
| Measure | Farmers and Merchants Trust Company of Chambersburg | Bank of Bird-in-Hand |
|---|---|---|
| TellerScore | 60 | 68 (stronger) |
| Capital cushion | 38 | 48 (stronger) |
| Loan quality | 63 | 94 (stronger) |
| Earnings | 71 (stronger) | 67 |
| Funding & liquidity | 69 (stronger) | 47 |
| Problem-loan coverage | 83 | 97 (stronger) |
| Peer percentile | 21st | 49th |
| Total assets | $2.3B | $1.9B |
| Deposits / shares | $1.9B | $1.7B |
| Capital ratio | 8.83% | 9.82% (stronger) |
| Problem loans | 1.10% | 0.19% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.27% (stronger) | 1.17% |
| Loans ÷ deposits | 82.7% (stronger) | 102.8% |
| Uninsured deposits | 22.7% (stronger) | 24.6% |
| Offices | 25 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Bank of Bird-in-Hand has the higher TellerScore (68 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Trust Company of Chambersburg leads on 3 and Bank of Bird-in-Hand on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.