Total Assets
$2.3B
Total Deposits
$1.9B
Branches
25
Established
1906
Farmers and Merchants Trust Company of Chambersburg is a bank headquartered in Chambersburg, Pennsylvania, established in 1906. It holds $2.3B in total assets across 25 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers and Merchants Trust Company of Chambersburg earns a TFS Financial Health Grade of B (77.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
77.3 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers and Merchants Trust Company of ChambersburgHQ | 20 S Main St | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 83 W Washington Street | Hagerstown | MD | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 3 E 1st St | Boiling Springs | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 3907 Market St | Camp Hill | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | Carlisle Crossing Branch | Carlisle | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 1901 Ritner Hwy | Carlisle | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 800 E High St | Carlisle | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 2075 Scotland Ave | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 870 Norland Ave | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 1712 Lincoln Way E | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 841 Wayne Ave | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 2405 Philadelphia Avenue Extended | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 1625 Philadelphia Ave | Chambersburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 518 N Antrim Way | Greencastle | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 1100 Lincoln Way West | Hamilton Township | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 4765 Linglestown Road | Harrisburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 7781 Waterfall Rd | Hustontown | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | Colorado Street | Marion | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 100 Lincoln Way E | Mcconnellsburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 6375 Carlisle Pike | Mechanicsburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 2 Park St | Mont Alto | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 9 W Big Spring Ave | Newville | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 18810 Sandy Ridge Sta | Orbisonia | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 13 Shippensburg Shopping Ctr | Shippensburg | PA | 11 |
| Farmers and Merchants Trust Company of Chambersburg | 200 E Main St | Waynesboro | PA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
77.3
Tier 1 capital ratio
8.83%
Return on assets
1.27%
Non-performing loans
1.10%
Efficiency ratio
60.14%
Asset growth (YoY)
2.12%
Suggested direct comparisons
Pittsburgh, PA
$30.6B
Somerset, PA
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.