Total Assets
$2.2B
Total balance-sheet footings
FDIC Cert #8405 · Chambersburg, Pennsylvania · Est. 1906
Farmers and Merchants Trust Company of Chambersburg - FDIC Bank Health Profile
A community-scale look at Farmers and Merchants Trust Company of Chambersburg's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.2B
- Total assets
- A
- Health grade · Excellent
- 1.06%
- Return on assets
- 12.0%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers and Merchants Trust Company of Chambersburg earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.02% Tier 1, profitable at 1.06% ROA, 65% efficiency ratio.
- #544
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 12.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Farmers and Merchants Trust Company of Chambersburg's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers and Merchants Trust Company of Chambersburg's composite health score
Tier 1 Capital Ratio (12.02%) 35/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (4.15%) 20/20
Efficiency Ratio (64.75%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers and Merchants Trust Company of Chambersburg ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Trust Company of Chambersburg's score of 83/100 falls in the highlighted band.
Farmers and Merchants Trust Company of Chambersburg's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Trust Company of Chambersburg's $2.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.02%
Texas Ratio
4.15%
Equity Capital
$185M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
14.23%
Efficiency Ratio
64.75%
What the numbers say about Farmers and Merchants Trust Company of Chambersburg
Farmers and Merchants Trust Company of Chambersburg is an FDIC-insured institution (Certificate #8405) headquartered in Chambersburg, Pennsylvania, established in 1906. It holds $2.2B in total assets - 544th of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.6B in net loans. Looking at capital strength, Tier 1 stands at 12.02%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.15%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Farmers and Merchants Trust Company of Chambersburg ranks 27th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$117M
Interest Income
$19M
Non-Interest Income
$60M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Trust Company of Chambersburg reports a Texas Ratio of 4.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Trust Company of Chambersburg (FDIC Cert #8405) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Farmers and Merchants Trust Company of Chambersburg's health grade?▼
Farmers and Merchants Trust Company of Chambersburg receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers and Merchants Trust Company of Chambersburg?▼
Farmers and Merchants Trust Company of Chambersburg holds $2.2B in total assets and $1.8B in deposits, ranking 544th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chambersburg, Pennsylvania.
Is my money safe at Farmers and Merchants Trust Company of Chambersburg?▼
Yes, deposits at Farmers and Merchants Trust Company of Chambersburg (Certificate #8405) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants Trust Company of Chambersburg's Tier 1 Capital Ratio?▼
Farmers and Merchants Trust Company of Chambersburg has a Tier 1 Capital Ratio of 12.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers and Merchants Trust Company of Chambersburg?▼
Farmers and Merchants Trust Company of Chambersburg has a Texas Ratio of 4.15%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants Trust Company of Chambersburg?▼
Farmers and Merchants Trust Company of Chambersburg has an Efficiency Ratio of 64.75%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants Trust Company of Chambersburg's profile as a depositor or analyst.
- Farmers and Merchants Trust Company of Chambersburg's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants Trust Company of Chambersburg against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.