Farmers and Merchants Trust Company of Chambersburg

Chambersburg, PA

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

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Total
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Capital

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Weiss Ratings	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	6.50
Capitalization Index	6.80
Liquidity Index	3.80
Profitability Index	5.50
Stability Index	7.60

Company Info	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	8405
Phone Number	(717) 264-6116
Website	fmtrust.bank

Asset Quality	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	2.12%
5-Year Asset Growth	9.19%
5-Year Charge-Offs to Average Loans	0.03%
Charge-Offs to Average Loans	0.07%
Non-Performing Assets to Assets	0.76%
Non-Performing Loans to Capital	7.74%
Non-Performing Loans to Loans	1.10%

Balance Sheet	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.34B
Total Deposits	1.93B

Capital and Reserves	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
Capital	192.90M
Leverage Ratio	8.83
Loan Loss Reserves to Loans	1.36%
Risk-Based Capital Ratio	13.73

Liquidity	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	7.39%
Liquidity Ratio	13.07%

Profitability	Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.96%
Net Income	14.49M
Net Interest Spread	3.60%
Operating Profit to Average Assets	1.57%
Overhead Efficiency Ratio	60.14%
Return on Assets	1.26%
Return on Equity	15.38%