Farmers and Merchants Trust Company of Chambersburg
Chambersburg, PA
IDRSSD: 289515
Total Assets
$2.30B
Latest filing
Total Deposits
$1.90B
Latest filing
Net Interest Margin
3.56%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Trust Company of Chambersburg
20 S Main St
Chambersburg, PA 17201
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/10/1906FDIC Certificate 5354
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg (Main) | 20 S Main St | Chambersburg, PA |
| HUSTONTOWN BRANCH | 7781 Waterfall Rd | Hustontown, PA |
| LINCOLN WAY EAST BRANCH | 1712 Lincoln Way E | Chambersburg, PA |
| MARION BRANCH | Colorado Street | Marion, PA |
| WEST SIDE BRANCH | 1100 Lincoln Way West | Hamilton Township, PA |
| ORCHARD PARK BRANCH | 841 Wayne Ave | Chambersburg, PA |
| PHILADELPHIA AVENUE BRANCH | 2405 Philadelphia Avenue Extended | Chambersburg, PA |
| CHAMBERS POINTE BRANCH | 1625 Philadelphia Ave | Chambersburg, PA |
Showing 7 of 24
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/10/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 17201 |
| State and County Number | 42055 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Chambersburg-Waynesboro, PA |
Operational Info
| Number of Employees | 310 |
| Domestic Offices | 25 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/23/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | fmtrust.bank |
| Data Updated | 11/14/2025 |
| CERT | 8405 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.30B |
| Total Deposits | $1.90B |
| Total Liabilities | $2.12B |
| Total Equity Capital | $176.05M |
| Net Income | $6.16M |
| Net Loans and Leases | $1.54B |
| Assets Per Employee ($Millions) | $7.43M |
| Bank Premises and Fixed Assets | $32.16M |
| Cash and Balances due from Depository Institutions | $189.14M |
| Deposits Held in Domestic Offices | $1.90B |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 14.37% |
| Net Interest Margin | 3.56% |
| Efficiency Ratio | 63.37% |
| Tier 1 Risk-Based Capital Ratio | 11.632% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.663% |
| Earning Assets to total Assets | 94.84% |
Income and Expense
| Total Interest Income | $30.29M |
| Total Noninterest Income | $4.88M |
| Total Interest Expense | $10.94M |
| Total Noninterest Expense | $15.36M |
| Net Interest Income | $19.35M |
| Pre-tax Net Operating Income | $7.68M |
| Provision for Credit Losses | $1.20M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $200.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $18.19M |
| Total Liabilities and Capital | $2.30B |
Securities
| Securities | $469.29M |
| Available-for-sale debt securities | $469.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Trust Company of Chambersburg?
$2.30B as of the latest filing.
How much are Farmers and Merchants Trust Company of Chambersburg's total deposits?
$1.90B in total deposits.
Where is Farmers and Merchants Trust Company of Chambersburg located?
Chambersburg, PA.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
25.
When was it established?
01/10/1906.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$1.54B (latest filing).
What is the total interest income (latest filing)?
$30.29M.