Farmers and Merchants Trust Company of Chambersburg
Chambersburg, PA · Owner: Franklin Financial Services Corporation
$2.3B
total assets, June 30, 2026
$2.3B
total assets, June 30, 2026
Farmers and Merchants Trust Company of Chambersburg is a state nonmember bank based in Chambersburg, PA, owned by Franklin Financial Services Corporation (FRAF). As of June 30, 2026 it held $2.3 billion in assets and $1.9 billion in deposits; assets were up 2.1% from a year before. It has 25 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$2.3B
+2.1% in a year · +1.6% in a quarter
Deposits
$1.9B
+1.2% in a year · +1.9% in a quarter
Loans
$1.6B
+6.1% in a year · +2.5% in a quarter
Profit so far
$14.5M
Jan 1 to Jun 30, 2026 · +30.3% in a year
Capital ratio
8.83%
+0.63 pts in a year
Return on assets
1.26%
+0.27 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 20 S Main St, Chambersburg, PA, 17201
- County
- Franklin
- Holding company
- Franklin Financial Services Corporation (FRAF)
- Established
- Jan 10, 1906
- Employees
- 300
- Branches
- 25 in 2 states
- Website
- fmtrust.bank
- Id
- b8405
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
25 offices as of June 30, 2026, holding $1.9 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Pennsylvania | 24 | $1.9B | 97.4% |
| Maryland | 1 | $50.8M | 2.6% |
| Largest branches | Place | Deposits |
|---|---|---|
| Farmers And Merchants Trust Company Of Chambersburg (main office) | Chambersburg, PA | $166M |
| Greencastle Branch | Greencastle, PA | $162M |
| Shippensburg Branch | Shippensburg, PA | $160M |
| Norland Avenue Branch | Chambersburg, PA | $155M |
| Waynesboro Branch | Waynesboro, PA | $126M |
| Orchard Park Branch | Chambersburg, PA | $119M |
| Mechanicsburg Branch | Mechanicsburg, PA | $118M |
| Linglestown Community Office Branch | Harrisburg, PA | $117M |
| West Side Branch | Hamilton Township, PA | $103M |
| Mont Alto Branch | Mont Alto, PA | $101M |
Related pages
Questions and answers
How big is Farmers and Merchants Trust Company of Chambersburg?
$2.3 billion in total assets and $1.9 billion in deposits as of June 30, 2026, with assets up 2.1% from a year before. Its loans were $1.6 billion.
How many branches does Farmers and Merchants Trust Company of Chambersburg have?
25 branches in 2 states as of June 30, 2026. The most deposits are in Pennsylvania ($1.9 billion).
Is Farmers and Merchants Trust Company of Chambersburg profitable?
Yes: it earned $14.5 million from January 1 to June 30, 2026 (up 30.3% from the same months a year before). Its return on assets was 1.26% a year; about 1% is typical.
Who owns Farmers and Merchants Trust Company of Chambersburg?
Farmers and Merchants Trust Company of Chambersburg is owned by Franklin Financial Services Corporation, its holding company, which is listed as FRAF.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.