Farmers and Merchants Trust Company of Chambersburg

Overview / Commentary

888-264-6116

20 South Main Street
Chambersburg, PA 17201

Farmers and Merchants Trust Company of Chambersburg is headquartered in Chambersburg and is the 31^st largest bank in the state of Pennsylvania. It is also the 641^st largest bank in the nation. It was established in 1906 and as of June of 2019, it had grown to 272 employees at 25 locations. Farmers and Merchants Trust Company of Chambersburg's money market rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	272
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	11.74%
Annual Interest Income	$25.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$1.25B$1.17B
Loans	Q2 2019vs Q2 2018	$970.6MM$955.3MM
Deposits	Q2 2019vs Q2 2018	$1.11B$1.06B
Equity Capital	Q2 2019vs Q2 2018	$122.7MM$110.3MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$12.6MM$12.5MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$5.7MM$5.8MM
Real Estate Owned	Q2 2019vs Q2 2018	$2.7MM$2.7MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants Trust Company of Chambersburg Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.38%^*	$10k^*	-	IRA Savings Account
OTHER TIERS: 0.10% → $1 - $500 \| 1.02% → $500 - $10k

Farmers and Merchants Trust Company of Chambersburg Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.11%^*	$500k^*	-	Money Management Accounts
OTHER TIERS: 0.40% → $2.5k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $100k \| 0.75% → $100k - $250k \| 0.95% → $250k - $500k

Farmers and Merchants Trust Company of Chambersburg Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$1k	-	Mobile Checking
0.15%^*	$5k^*	-	Checking Plus
OTHER TIERS: 0.10% → $1k - $5k

Farmers and Merchants Trust Company of Chambersburg CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$25k^*	$100k	36 Month CD
OTHER TIERS: 1.20% → $1k - $5k \| 1.25% → $5k - $25k
1.20%^*	$25k^*	$100k	24 Month CD
OTHER TIERS: 1.15% → $5k - $25k

Farmers and Merchants Trust Company of Chambersburg IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$25k^*	$100k	36 Month IRA
OTHER TIERS: 1.20% → $1k - $5k \| 1.25% → $5k - $25k
1.20%^*	$25k^*	$100k	24 Month IRA
OTHER TIERS: 1.15% → $5k - $25k

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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