Total Assets
$2.2B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Farmers and Merchants Trust Company of Chambersburg — FDIC Bank Health Profile
Chambersburg, Pennsylvania · Est. 1906. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #8405 New York Region
C
Health grade
Fair
Score: 63/100
Basel III capital ratios — Farmers and Merchants Trust Company of Chambersburg
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$24M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
12.02%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$185M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.06%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
14.23%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
64.75%
Income & Expense Breakdown
$117M
Interest Income
$19M
Non-Interest Income
$60M
Non-Interest Expense
FDIC Deposit Insurance
Farmers and Merchants Trust Company of Chambersburg is FDIC-insured (Certificate #8405). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $2.2B in total assets and $1.8B in customer deposits, with $1.6B deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Farmers and Merchants Trust Company of Chambersburg reports a Tier 1 Capital Ratio of 12.02% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $185M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.06% and a Return on Equity of 14.23%, with an Efficiency Ratio of 64.75% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (63/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Farmers and Merchants Trust Company of Chambersburg is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Pennsylvania by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Farmers and Merchants Trust Company of Chambersburg (FDIC Cert #8405) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Pennsylvania Greenville | $50.0B | C | 1.29% |
| Fulton Bank, National Association Lancaster | $32.0B | B | 1.33% |
| BNY Mellon, National Association Pittsburgh | $31.3B | C | 0.94% |
| Customers Bank Malvern | $24.9B | B | 1.01% |
| TriState Capital Bank Pittsburgh | $23.3B | B | 0.78% |
| Northwest Bank Warren | $16.8B | C | 0.92% |
| Dollar Bank, Federal Savings Bank Pittsburgh | $12.5B | C | 0.53% |
| First Commonwealth Bank Indiana | $12.3B | C | 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 C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
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. It is headquartered in Chambersburg, Pennsylvania.
Is my money safe at Farmers and Merchants Trust Company of Chambersburg? ▼
Yes. Farmers and Merchants Trust Company of Chambersburg is FDIC-insured (Certificate #8405). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.