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Farmers And Merchants Trust Company Of Chambersburg
Chambersburg, PA · FDIC Certificate #8405 · Chartered 01/1
Total assets
$2.34B
Total deposits
$1.93B
Total equity
$192.90M
Net loans
$1.59B
Branches (offices)
25
Net income (YTD)
$14.49M
Rank: #533 of 4,213 U.S. banks by assets · #27 of 109 in Pennsylvania. Assets changed 2.1% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 15.37% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 8.26% |
| Tier 1 leverage ratio | 8.83% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 82.7% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.40B | 87.9% | |
| Commercial & industrial | $102.72M | 6.5% | |
| Consumer / individual | $8.23M | 0.5% | |
| Construction & development | $274.80M | 17.3% | |
| Agricultural | $1.89M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.83B | $1.70B | $7.69M | $124.29M |
| Jun 2023 | $1.74B | $1.52B | $7.18M | $127.34M |
| Jun 2024 | $2.04B | $1.60B | $7.65M | $145.15M |
| Jun 2025 | $2.29B | $1.90B | $11.13M | $166.96M |
| Jun 2026 | $2.34B | $1.93B | $14.49M | $192.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.87B | 24 |
| Maryland | $50.78M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.93B.
Similar-sized banks
Pioneer Bank, National Association ($2.34B) · First Bank Of The Lake ($2.34B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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