BlastPoint's Banking Scorecard
Farmers and Merchants Trust Company of Chambersburg
Designations: ✓ Community bank
Chambersburg, PA
25 branches across PA · MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +1.2% year over year ($1.9B on the books).
- Delinquency rate 1.11%.
- Return on assets 1.27%.
- Efficiency ratio 60.14% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.66% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Trust Company of Chambersburg faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46.5% in tier
- - ROA 0.13% below tier average
- - Net Interest Margin 0.23% below tier average
- - Efficiency Ratio 0.42% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+2.1% YoY
+1.6% QoQ
|
-$457.2M |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$1.6B
+6.0% YoY
+2.4% QoQ
|
-$371.7M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$1.9B
+1.2% YoY
+1.9% QoQ
|
-$393.4M |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.27%
+27.8% YoY
-1.0% QoQ
|
-0.13% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.64%
+11.8% YoY
+1.4% QoQ
|
-0.23% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
60.14%
-8.3% YoY
-3.6% QoQ
|
+0.42% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
1.11%
+54.5% YoY
+103.6% QoQ
|
+0.25% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
82.66%
+4.7% YoY
+0.6% QoQ
|
-2.38% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
17.76%
+11.4% YoY
+1.0% QoQ
|
-3.51% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.76%
+60.3% YoY
+105.3% QoQ
|
+0.08% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.47%
+8.5% YoY
+0.7% QoQ
|
-2.37% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.46%
+6.7% YoY
+92.2% QoQ
|
-0.07% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.8%
+1.8pp YoY +0.2pp QoQ |
-3.6pp | 21.4% | 18.7% | 22.2% | 38% |
| Brokered Deposits |
1.1%
-3.4pp YoY 0.0pp QoQ |
-8.3pp | 9.5% | 6.8% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.5%
-2.0pp YoY -0.6pp QoQ |
-7.5pp | 14.0% | 8.6% | 12.5% | 26% |
| CRE |
61.9%
+1.5pp YoY +0.5pp QoQ |
+11.8pp | 50.0% | 37.9% | 41.4% | 78% |
| 1-4 Family |
24.7%
+1.3pp YoY +0.2pp QoQ |
-1.8pp | 26.4% | 47.8% | 31.3% | 54% |
| Consumer |
0.5%
0.0pp YoY -0.2pp QoQ |
-4.2pp | 4.7% | 3.8% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
+1.0pp YoY +0.1pp QoQ |
-3.1pp | 15.6% | 22.3% | 19.7% | 32% |
| Leverage Ratio |
8.8%
+0.6pp YoY -0.2pp QoQ |
-2.5pp | 11.3% | 13.2% | 12.6% | 8% |
| Total Capital Ratio |
13.7%
+1.0pp YoY +0.1pp QoQ |
-3.0pp | 16.7% | 23.3% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
300
-10 (-3.2%) YoY 0 QoQ |
-14 | 313 | 299 | 482 | 65% |
| Assets per Employee ($) |
$7.8M
+5.5% YoY +1.6% QoQ |
-$2.7M | $10.5M | $9.2M | $8.8M | 36% |
| Branch Count |
25
0 YoY 0 QoQ |
+5 | 20 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 6% |
| Nonaccrual |
1.1%
+0.4pp YoY +0.6pp QoQ |
+0.3pp | 0.8% | 0.9% | 1.0% | 77% |
| Allowance Coverage |
1.23x
-30.2% YoY -49.4% QoQ |
-17.48x | 18.71x | 3.63x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+1.5pp YoY -0.2pp QoQ |
+2.8pp | 12.6% | 10.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.7%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.8% | 1.7% | 36% |
| Net Income ($, YTD) |
$14.5M
+30.3% YoY — QoQ |
-$4.7M | $19.2M | $18.2M | $40.4M | 58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.