F&M Trust

Overview / Commentary
Chambersburg, PA 17201

F&M Trust is headquartered in CHAMBERSBURG and is the 31st largest bank in the state of Pennsylvania. It is also the 625th largest bank in the nation. It was established in 1906 and as of December of 2023, it had grown to 296 employees at 24 locations. F&M Trust has a B+ health rating.


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Health Grade Components

FDIC Certificate #8405
Year Established1906
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD12.25%
Annual Interest Income$79.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.84B$1.7B
LoansQ4 2023vs Q4 2022$1.24B$1.04B
DepositsQ4 2023vs Q4 2022$1.55B$1.57B
Equity CapitalQ4 2023vs Q4 2022$140MM$118.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$16.1MM$14.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$152K$133K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

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