Farmers and Merchants Trust Company of Chambersburg

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.11%	1-year CD	1.37% - National Average
1.75%	3-year CD	1.87% - National Average
1.35%	2-year CD	2.80% - Capital One 24 Month 360 CD

View all Farmers and Merchants Trust Company of Chambersburg rates »

Overview / Commentary

fmtrust.bank

888-264-6116

20 South Main Street
Chambersburg, PA 17201

Farmers and Merchants Trust Company of Chambersburg is headquartered in Chambersburg and is the 33^rd largest bank in the state of Pennsylvania. It is also the 654^th largest bank in the nation. It was established in 1906 and as of December of 2018, it had grown to 261 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 Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	261
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	6.19%
Annual Interest Income	$46.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$1.21B$1.18B
Loans	Q4 2018vs Q4 2017	$961.1MM$932.4MM
Deposits	Q4 2018vs Q4 2017	$1.08B$1.05B
Equity Capital	Q4 2018vs Q4 2017	$118.0MM$114.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$12.4MM$11.8MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$2.7MM$2.7MM
Real Estate Owned	Q4 2018vs Q4 2017	$2.7MM$2.6MM

Rates

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Money Market
Checking
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Farmers and Merchants Trust Company of Chambersburg Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.18%^*	$10k^*	-	IRA Savings Account
OTHER TIERS: 0.15% → $1 - $500 \| 1.83% → $500 - $10k

Farmers and Merchants Trust Company of Chambersburg Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.15%^*	$500k^*	-	Money Management Accounts
OTHER TIERS: 0.55% → $2.5k - $25k \| 0.65% → $25k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $250k \| 1.00% → $250k - $500k

Farmers and Merchants Trust Company of Chambersburg Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$1k	-	Mobile Checking
0.20%^*	$5k^*	-	Checking Plus
OTHER TIERS: 0.15% → $1k - $5k

Farmers and Merchants Trust Company of Chambersburg CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.11%	$1k	-	13 Month CD Special
1.75%^*	$25k^*	$100k	36 Month CD
OTHER TIERS: 1.30% → $1k - $5k \| 1.70% → $5k - $25k
1.35%^*	$25k^*	$100k	24 Month CD
OTHER TIERS: 1.30% → $5k - $25k

Farmers and Merchants Trust Company of Chambersburg IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*	$25k^*	$100k	36 Month IRA
OTHER TIERS: 1.30% → $1k - $5k \| 1.70% → $5k - $25k
1.35%^*	$25k^*	$100k	24 Month IRA
OTHER TIERS: 1.30% → $5k - $25k

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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