Side-by-side · Q2 2026 data
The Ephrata National 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 | The Ephrata National Bank | Farmers and Merchants Trust Company of Chambersburg |
|---|---|---|
| TellerScore | 67 (stronger) | 60 |
| Capital cushion | 46 (stronger) | 38 |
| Loan quality | 82 (stronger) | 63 |
| Earnings | 61 | 71 (stronger) |
| Funding & liquidity | 78 (stronger) | 69 |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 44th | 21st |
| Total assets | $2.4B | $2.3B |
| Deposits / shares | $2.0B | $1.9B |
| Capital ratio | 9.63% (stronger) | 8.83% |
| Problem loans | 0.54% (stronger) | 1.10% |
| Net charge-offs | 0.04% (stronger) | 0.07% |
| Return on assets | 1.01% | 1.27% (stronger) |
| Loans ÷ deposits | 81.8% (stronger) | 82.7% |
| Uninsured deposits | 12.1% (stronger) | 22.7% |
| Offices | 18 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
The Ephrata National Bank has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Ephrata National 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.