F&M Trust

Overview / Commentary

717-264-6116

6010
Chambersburg, PA 17201

F&M Trust is headquartered in CHAMBERSBURG and is the 30^th largest bank in the state of Pennsylvania. It is also the 642^nd largest bank in the nation. It was established in 1906 and as of June of 2023, it had grown to 292 employees at 24 locations. F&M Trust's money market rates are 5X the national average, and it has a B health rating.

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Health

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	292
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.84%
Return on Equity - YTD	11.48%
Annual Interest Income	$36.2MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$1.74B$1.83B
Loans	Q2 2023vs Q2 2022	$1.13B$1.02B
Deposits	Q2 2023vs Q2 2022	$1.52B$1.70B
Equity Capital	Q2 2023vs Q2 2022	$127.3MM$124.3MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$14.6MM$15.0MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$196.00K$5.7MM
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

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.

F&M Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$1	-	IRA Savings Account

F&M Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.12%^*	$500k^*	-	Money Management Accounts
OTHER TIERS: 1.36% → $2.5k - $25k \| 1.41% → $25k - $50k \| 1.76% → $50k - $100k \| 1.81% → $100k - $250k \| 1.97% → $250k - $500k

F&M Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1.5k	-	YourWay Premier Checking

F&M Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$1k	-	60 Month CD - New Money
2.90%^*	$25k^*	$100k	36 Month CD - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%^*	$25k^*	$100k	24 Month CD - New Money
OTHER TIERS: 2.60% → $5k - $25k

F&M Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%	$1k	-	60 Month IRA - New Money
2.90%^*	$25k^*	$100k	36 Month IRA - New Money
OTHER TIERS: 2.85% → $1k - $25k
2.65%^*	$25k^*	$100k	24 Month IRA - New Money
OTHER TIERS: 2.60% → $5k - $25k

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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