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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Farmers & Merchants Trust Chamber

Chambersburg, Pennsylvania · $2.34B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

51.8%
CRE / loans
12th of 12
366.5%
CRE / capital
11th of 12
8.3%
Equity / assets
10th of 12

Farmers & Merchants Trust Chamber is the eighth largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.34B in assets at 30 June 2026. Loans are 83.8% of deposits, 6th of 12 against a median of 84.0%, and equity is 8.3% of assets, 10th of 12. Loans grew +6.1% in the year, 7th of 12, and deposits grew 1.2%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 1.10% of the book, 8th of 12 against a median of 0.67%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 51.8% of loans, the highest in the cohort against a median of 29.1%, and 367% of capital, above the 300% screen, with construction at 120% against the 100% screen. CRE has grown +67.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.23%, 3rd of 12 against a median of 1.13%, on an efficiency ratio of 60.1%, 6th of 12. Five years ago it was 1.33%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 9.2% of loans).

Commercial real estate, share of loansPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 29.1% Bo Bank of Bird-in-hand 12.8% EN Ephrata National Bank 15.6% JB Journey Bank 21.3% EB Embassy Bank Lehigh Valley 23.9% WB Wayne Bank 25.0% FD Fidelity Deposit & Discount Bank 26.4% ST Somerset Trust Co. 31.9% MB Meridian Bank 34.5% NB Nextier Bank National Association 43.3% KB Kish Bank 44.6% QB QNB Bank 48.2% FM Farmers & Merchants Trust Chamber 51.8%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Farmers &RankCohort median
Total CRE against capital, the 300% screen367%11th of 12204%
Construction against capital, the 100% screen120%11th of 1249%
Construction and land development, share of loans17.0%12th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans27.1%11th of 1216.8%
Total CRE, the guidance definition, share of loans51.8%12th of 1229.1%
CRE growth over 36 months, the third prong+67.8%7th of 12+59.7%
Commercial real estate against capital, the 300% screenPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 204% EN Ephrata National Bank 104% Bo Bank of Bird-in-hand 115% JB Journey Bank 144% EB Embassy Bank Lehigh Valley 177% FD Fidelity Deposit & Discount Bank 188% WB Wayne Bank 201% ST Somerset Trust Co. 206% MB Meridian Bank 307% NB Nextier Bank National Association 315% QB QNB Bank 332% FM Farmers & Merchants Trust Chamber 367% KB Kish Bank 406%
CRE growth over 36 months, the guidance's third prongPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +59.7% EB Embassy Bank Lehigh Valley +3.0% MB Meridian Bank +32.2% NB Nextier Bank National Association +33.5% EN Ephrata National Bank +46.0% FD Fidelity Deposit & Discount Bank +47.0% ST Somerset Trust Co. +51.7% FM Farmers & Merchants Trust Chamber +67.8% KB Kish Bank +72.5% Bo Bank of Bird-in-hand +76.0% QB QNB Bank +90.3% JB Journey Bank +133.0% WB Wayne Bank +138.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers &Cohort median
20212026Change20212026Change
Loans$1.00B$1.61B+61%$1.07B$1.73B+62%
Deposits$1.51B$1.93B+27%$1.39B$2.01B+44%
NPA / loans0.88%1.10%+0.22 pts0.43%0.67%+0.24 pts
Efficiency65.1%60.1%-4.9 pts61.1%60.7%-0.4 pts
ROA1.33%1.23%-0.10 pts1.05%1.13%+0.09 pts

This read was prepared for Farmers & Merchants Trust Chamber's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers & Merchants Trust Chamber is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution fmtrust.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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