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 Farmers and Merchants Trust Company of Chambersburg
Farmers and Merchants Trust Company of Chambersburg
| RSSD ID 289515 | CERTIFICATE 8405 | ABA NUMBER 31304306 |
| 20 S Main St |
Quarter Ended : |
2025-12-31 |
| Chambersburg, Pennsylvania, 17201 |
Updated : |
2026-01-30 |
| fmtrust.bank |
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| Institution Profile |
| Year Opened : |
1906 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
25 |
Number of Employees : |
302 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,239,135 |
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Total Interest Income | 116,807 |
| Total Liabilities | 2,054,611 |
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Total NonInterest Income | 19,455 |
| Total Bank Equity Capital | 184,524 |
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Total Interest Expense | 43,445 |
| Total Deposits | 1,836,236 |
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Total NonInterest Expense | 60,096 |
| Net Loans & Leases | 1,540,583 |
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Net Income | 23,958 |
| Loan Loss Allowance | 20,655 |
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Net Charge Offs | 28 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 217,621 |
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Total loans | 1,564,118 |
| Total assets for the leverage ratio | 2,299,853 |
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Loans secured by real estate: | 1,326,431 |
| Tier 1 Leverage Ratio | 8.57 |
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Commercial and industrial loans | 119,112 |
| Tier 1 Capital Ratio | 12.02 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.27 |
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Loans to individuals - Other | 9,761 |
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:· Farmers and Merchants Trust Company of Chambersburg
