Farmers and Merchants Trust Company of Chambersburg: how it compares with its peers
Against 24 PA banks with half to twice its assets, Farmers and Merchants Trust Company of Chambersburg's strongest measure in Q2 2026 is return on assets (1.27% vs. a 1.10% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $7.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.10% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.71% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.14% | 60.77% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.9M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.66% | 85.37% | Context |
What it means for lending operations
Its efficiency ratio of 60.14% is better than the 60.77% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- QNB Bank Quakertown, PA · $2.37B
- The Ephrata National Bank Ephrata, PA · $2.39B
- Somerset Trust Company Somerset, PA · $2.47B
- Kish Bank Belleville, PA · $2.08B
- Meridian Bank Wayne, PA · $2.59B
- Bank of Bird-in-Hand Bird In Hand, PA · $1.91B
Questions about Farmers and Merchants Trust Company of Chambersburg
How big is Farmers and Merchants Trust Company of Chambersburg?
Farmers and Merchants Trust Company of Chambersburg, established in 1906, is headquartered in Chambersburg, PA. It reported $2.34B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Farmers and Merchants Trust Company of Chambersburg's return on assets?
1.27% annualized in Q2 2026, against a 1.10% median for 24 PA banks with half to twice its assets, ahead of 71% of them.
What is Farmers and Merchants Trust Company of Chambersburg's efficiency ratio?
60.14% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.77%, and lower is better.
Is Farmers and Merchants Trust Company of Chambersburg growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.