Farmers&Merchants Tr Chamber
Chambersburg, Pennsylvania · FDIC Cert #8405
Farmers&Merchants Tr Chamber is an FDIC-insured bank (Certificate #8405) with $2.0B in total assets and $1.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Chambersburg, Pennsylvania, the bank maintains a Tier 1 capital ratio of 12.27% (Well-Capitalized) and a nonperforming loan ratio of 0.07%. BankHealthData assigns a composite Health Grade of A (88/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmers&Merchants Tr Chamber (FDIC cert 8405) is a mid-sized bank with $2.0B in total assets and $1.6B in deposits, based in Chambersburg, Pennsylvania. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.27% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.07% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 31.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.94% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Farmers&Merchants Tr Chamber carries a composite BankHealth grade of A (88/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmers&Merchants Tr Chamber
- Total Assets
- $2.0B
- Total Deposits
- $1.6B
- Tier 1 Capital Ratio
- 12.27%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.07%
- Liquidity Ratio
- 31.20%
- Return on Assets
- 0.94%
- Headquarters
- Chambersburg, Pennsylvania
- FDIC Certificate
- #8405
- Health Grade
- A (88/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Farmers&Merchants Tr Chamber holds a Tier 1 capital ratio of 12.27%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmers&Merchants Tr Chamber has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmers&Merchants Tr Chamber shows strong financial health indicators. With $2.0B in assets and a Health Score of 88/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmers&Merchants Tr Chamber Compares
Farmers&Merchants Tr Chamber’s Health Score of 88 is 18 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 12.27% Tier 1 capital ratio is 1.7 points below the US banking industry average near 14%. The 0.07% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.94% is below the national ROA benchmark of ~1.1%. Among 608 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, Farmers&Merchants Tr Chamber is 18 points above the portfolio average of 70.
Frequently Asked Questions
Farmers&Merchants Tr Chamber has a Bank Health Score of A (88/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.27%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmers&Merchants Tr Chamber's Tier 1 capital ratio of 12.27% and nonperforming loan ratio of 0.07% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmers&Merchants Tr Chamber is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8405). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmers&Merchants Tr Chamber holds $2.0B in total assets and $1.6B in total deposits. It is headquartered in Chambersburg, Pennsylvania (FDIC Certificate #8405).
Farmers&Merchants Tr Chamber has a Tier 1 capital ratio of 12.27%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.07%, and the return on assets is 0.94%.
Yes. Farmers&Merchants Tr Chamber is FDIC-insured (Certificate #8405). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmers&Merchants Tr Chamber's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.