F&M Trust

Overview / Commentary

717-264-6116

20 South Main Street
Chambersburg, PA 17201

F&M Trust is headquartered in Chambersburg and is the 29^th largest bank in the state of Pennsylvania. It is also the 611^th largest bank in the nation. It was established in 1906 and as of December of 2021, it had grown to 276 employees at 23 locations. F&M Trust has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	276
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.3%
Return on Equity - YTD	14.53%
Annual Interest Income	$50.3MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$1.77B$1.53B
Loans	Q4 2021vs Q4 2020	$986.6MM$1.00B
Deposits	Q4 2021vs Q4 2020	$1.60B$1.37B
Equity Capital	Q4 2021vs Q4 2020	$157.6MM$142.9MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$15.1MM$16.8MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$7.4MM$8.7MM
Real Estate Owned	Q4 2021vs Q4 2020	$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
0.05%	$1	-	IRA Savings Account

F&M Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.12%^*	$500k^*	-	Money Management Accounts
OTHER TIERS: 0.05% → $2.5k - $250k \| 0.07% → $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	VIEW DETAILS
0.35%	$1k	$100k	36 Month CD
0.25%	$5k	$100k	24 Month CD

F&M Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$1k	$100k	36 Month IRA
0.25%	$5k	$100k	24 Month IRA

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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