BlastPoint's Banking Scorecard

Farmers and Merchants Trust Company of Chambersburg

$1B-$10B Specialty: Commercial PA FDIC cert 8405

Designations: ✓ Community bank

Chambersburg, PA

25 branches across PA · MD

884 banks in the $1B-$10B peer group nationally 37 in PA

Farmers and Merchants Trust Company of Chambersburg has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average
- Net Interest Margin 0.23% below tier average
- Efficiency Ratio 1.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$2.3B +1.8% YoY +2.6% QoQ	-$517.3M	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$1.6B +7.9% YoY -0.4% QoQ	-$411.3M	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$1.9B +0.7% YoY +2.9% QoQ	-$453.0M	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.28% +57.0% YoY +20.4% QoQ	-0.09%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.59% +15.5% YoY +4.5% QoQ	-0.23%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	62.40% -10.1% YoY -3.6% QoQ	+1.34%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.55% +0.2% QoQ	-0.34%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	82.18% +7.2% YoY -3.2% QoQ	-2.02%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	17.58% +6.8% YoY +3.9% QoQ	-3.71%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.37% -2.8% QoQ	-0.30%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	12.39% +8.3% YoY +3.1% QoQ	-2.77%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.24% +14.7% YoY -72.7% QoQ	-0.02%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

191

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.26%

#191 of 884 Top 21.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available