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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

$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