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Farmers and Merchants Trust Company of Chambersburg

Chambersburg, PA · Cert 8405 · Franklin Finl Services Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers and Merchants Trust Company of Chambersburg

Chambersburg, PA · Cert 8405 · Franklin Finl Services Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$2.3BAssets
$1.6BLoans
$1.9BDeposits
$192.9MEquity
Loan mix
92%RE $1.3B7%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.6B18%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.79%Q2 ’244.93%Q2 ’254.92%Q2 ’26+6%+12%

Non-interest income vs. expense

2.70%Q2 ’242.52%Q2 ’252.56%Q2 ’26-9%-1%

Market Position · Chambersburg, PA · 2026 SOD (annual) · 33.9% share · #1 of 9 inst. · $1.2B of $3.5B

33.9% Franklin
4.0% Cumberland
1.4% Dauphin
48.5% Fulton

Executive Summary

  • Earnings: ROA of 1.27%, up 28 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.10% of loans (+39 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.83%, up 63 bps from a year ago.
  • Funding: loans stand at 83.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+36 bps YoY

Efficiency Ratio (YTD, annualized)

60.14%-544 bps YoY

Tier 1 Leverage Ratio

8.83%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.02%1.06%1.28%1.27%+28 bps
Return on Equity13.88%14.03%14.23%15.56%15.37%+149 bps
Net Interest Margin3.01%3.10%3.19%3.42%3.36%+36 bps
Efficiency Ratio65.59%64.80%64.75%62.40%60.14%-544 bps
Non-Interest Burden1.67%1.71%1.76%1.77%1.66%-2 bps
Growth
Asset Growth (YoY)12.19%6.76%1.91%1.76%2.12%-1,006 bps
Loan Growth (YoY)15.27%14.37%12.82%7.98%6.10%-916 bps
Deposit Growth (YoY)19.18%9.78%0.61%0.68%1.19%-1,799 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.68%0.54%0.54%1.10%+39 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.03%0.07%+8 bps
Allowance / Loans1.26%1.30%1.31%1.32%1.36%+10 bps
Allowance Coverage of NPLs1.8x1.9x2.4x2.4x1.2x-0.5x
Capital
Tier 1 Leverage Ratio8.20%8.32%8.57%8.99%8.83%+63 bps
Total Risk-Based Capital12.75%12.88%13.27%13.64%13.73%+98 bps
Equity / Assets7.30%7.66%8.24%8.19%8.26%+96 bps
Liquidity & Funding
Loans / Deposits79.92%82.25%86.05%83.28%83.79%+388 bps
Liquid Assets / Assets7.93%7.16%4.75%8.16%7.29%-64 bps
CRE / Total Capitaln/a488%480%471%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers and Merchants Trust Company of Chambersburg

Chambersburg, PA · Cert 8405 · Peer group: banks $1B-$10B in assets (n=322-328) · Franklin Finl Services Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$2.3BAssets
$1.6BLoans
$1.9BDeposits
$192.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks $1B-$10B in assets (rank 61 of 328).
  • Widest gap: equity / assets trails 92% of banks $1B-$10B in assets (rank 302 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.24%

Rank 159 of 328

Net Interest Margin

3.36%

Rank 185 of 328

Efficiency Ratio

60.14%

Rank 172 of 328

Equity / Assets

8.26%

Rank 302 of 328

Non-interest income vs. expense

$21.3M$60.3MINCOMEEXPENSE
Unfavorable gap of $39.0M · efficiency ratio beats 48% of banks $1B-$10B in assets
Bank 60.14%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.91%1.22%1.52%Beats 52%159 / 328
Return on Equity15.03%8.43%11.45%14.43%Beats 81%61 / 328
Net Interest Margin3.36%3.03%3.45%3.83%Beats 44%185 / 328
Efficiency Ratio60.14%51.61%59.56%67.53%Beats 48%172 / 328
Asset Quality
Nonperforming Loans / Loans1.10%0.24%0.51%1.03%Beats 24%246 / 322
Net Charge-Offs / Loans0.06%0.01%0.03%0.10%Beats 36%208 / 322
Capital
Tier 1 Capital Ratio12.47%11.75%13.15%15.47%Beats 39%199 / 328
Total Risk-Based Capital Ratio13.73%12.63%14.15%16.46%Beats 44%183 / 328
Equity / Assets8.26%9.15%10.33%12.01%Beats 8%302 / 328
Liquidity & Funding
Loans / Deposits83.79%76.63%87.92%95.36%40th pctl193 / 323
Loans / Assets69.07%65.18%74.15%79.98%34th pctl216 / 328
Brokered Deposits / Depositsn/aNot reported for this institution