Farmers and Merchants Trust Company of Chambersburg
Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 8.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Comm re (25%), securities (20%), home mtgs (13%), cash (8%), comm loans (5%), home eq lns (3%), consumer loans (0%), other (25%)
States with Branches:
MD, PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Franklin Financial Services Corporation
Investment Rating
Address
1500 Nitterhouse Drive
Chambersburg, PA 17201
Chambersburg, PA 17201
Phone Number
(717) 264-6116
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.