🏦Bank Scorer

FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG

CHAMBERSBURG, PA · Supervised by FDIC

Est. 1906FDIC #8,405RSSD: FDIC-8405
Part ofFRANKLIN FINL SERVICES CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.28%

Institution Profile

FDIC BankFind

Address

20 S Main St, CHAMBERSBURG, PA

County

Franklin County

Established

January 10, 1906

Total Assets

$2.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.3B

Total Deposits

$1.9B

Net Loans

$1.6B

Net Income

$7M

ROA

1.28%

ROE

15.56%

Risk-Based Capital

13.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate13.82%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

25

Branch Deposits

$1.9B

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202494871.1%13.82%
202389773.58%16.16%
202294074.47%15.21%
20211,46077.6%12.74%
20201,56678.61%13.22%
201976377.98%15.73%
201858563.25%23.76%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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