F&M Trust

Overview / Commentary

717-264-6116

6010
Chambersburg, PA 17201

F&M Trust is headquartered in Chambersburg and is the 28^th largest bank in the state of Pennsylvania. It is also the 595^th largest bank in the nation. It was established in 1906 and as of June of 2022, it had grown to 285 employees at 23 locations. F&M Trust's money market rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	8405
Year Established	1906
Employees	285
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	10.98%
Annual Interest Income	$25.6MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$1.83B$1.68B
Loans	Q2 2022vs Q2 2021	$1.02B$989.5MM
Deposits	Q2 2022vs Q2 2021	$1.70B$1.51B
Equity Capital	Q2 2022vs Q2 2021	$124.3MM$149.9MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$15.0MM$15.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$5.7MM$8.8MM
Real Estate Owned	Q2 2022vs Q2 2021	$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
1.87%^*	$500k^*	-	Money Management Accounts
OTHER TIERS: 1.21% → $2.5k - $25k \| 1.26% → $25k - $50k \| 1.51% → $50k - $100k \| 1.56% → $100k - $250k \| 1.66% → $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
2.90%^*	$25k^*	$100k	36 Month CD
OTHER TIERS: 2.85% → $1k - $25k
2.65%^*	$25k^*	$100k	24 Month CD
OTHER TIERS: 2.60% → $5k - $25k

F&M Trust IRA Rates

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

Locations

Availability

Harrisburg Area

Harrisburg Area bank & credit union details

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