Side-by-side · Q2 2026 data
Farmers and Merchants Trust Company of Chambersburg vs Somerset Trust Company
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 | Somerset Trust Company |
|---|---|---|
| TellerScore | 60 (stronger) | 55 |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 63 (stronger) | 50 |
| Earnings | 71 (stronger) | 66 |
| Funding & liquidity | 69 (stronger) | 62 |
| Problem-loan coverage | 83 (stronger) | 78 |
| Peer percentile | 21st | 13th |
| Total assets | $2.3B | $2.5B |
| Deposits / shares | $1.9B | $2.0B |
| Capital ratio | 8.83% | 9.10% (stronger) |
| Problem loans | 1.10% (stronger) | 1.49% |
| Net charge-offs | 0.07% (stronger) | 0.12% |
| Return on assets | 1.27% (stronger) | 1.16% |
| Loans ÷ deposits | 82.7% | 80.2% (stronger) |
| Uninsured deposits | 22.7% (stronger) | 31.2% |
| Offices | 25 | 49 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.6% |
Farmers and Merchants Trust Company of Chambersburg has the higher TellerScore (60 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Trust Company of Chambersburg leads on 5 and Somerset Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.