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
Unfavorable gap of $39.0M · efficiency ratio beats 48% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.91% | 1.22% | 1.52% | Beats 52% | 159 / 328 | | |
| Return on Equity | 15.03% | 8.43% | 11.45% | 14.43% | Beats 81% | 61 / 328 | | |
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 44% | 185 / 328 | | |
| Efficiency Ratio | 60.14% | 51.61% | 59.56% | 67.53% | Beats 48% | 172 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.24% | 0.51% | 1.03% | Beats 24% | 246 / 322 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 36% | 208 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 11.75% | 13.15% | 15.47% | Beats 39% | 199 / 328 | | |
| Total Risk-Based Capital Ratio | 13.73% | 12.63% | 14.15% | 16.46% | Beats 44% | 183 / 328 | | |
| Equity / Assets | 8.26% | 9.15% | 10.33% | 12.01% | Beats 8% | 302 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.79% | 76.63% | 87.92% | 95.36% | 40th pctl | 193 / 323 | | |
| Loans / Assets | 69.07% | 65.18% | 74.15% | 79.98% | 34th pctl | 216 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |