Side-by-side · Q2 2026 data
Farmers and Merchants Trust Company of Chambersburg vs Meridian Bank
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 | Meridian Bank |
|---|---|---|
| TellerScore | 60 (stronger) | 34 |
| Capital cushion | 38 | 47 (stronger) |
| Loan quality | 63 (stronger) | 0 |
| Earnings | 71 (stronger) | 50 |
| Funding & liquidity | 69 (stronger) | 42 |
| Problem-loan coverage | 83 (stronger) | 37 |
| Peer percentile | 21st | 1st |
| Total assets | $2.3B | $2.6B |
| Deposits / shares | $1.9B | $2.2B |
| Capital ratio | 8.83% | 9.72% (stronger) |
| Problem loans | 1.10% (stronger) | 3.68% |
| Net charge-offs | 0.07% (stronger) | 0.93% |
| Return on assets | 1.27% (stronger) | 0.76% |
| Loans ÷ deposits | 82.7% (stronger) | 100.5% |
| Uninsured deposits | 22.7% (stronger) | 30.7% |
| Offices | 25 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.1% |
Farmers and Merchants Trust Company of Chambersburg has the higher TellerScore (60 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Trust Company of Chambersburg leads on 6 and Meridian Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.