FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG

CHAMBERSBURG, PA | Large | Est. Jan. 10, 1906, midnight | FDIC #8405 | RSSD #289515 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG is aln large FDIC-insured commercial bank headquartered in CHAMBERSBURG, PA, established in Jan. 10, 1906, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.8B. Profitability stands at 1.18% ROA and 14.80% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 4.15%. FDIC Certificate #8405.

Assets

$2.2B

Deposits

$1.8B

Loans

$1.6B

Equity

$185M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 14.80%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.68%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.15%
NPA Ratio 0.38%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 13.27%
Leverage Ratio 8.57%
Loan-to-Deposit 86.05%

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