Compared with Pennsylvania
14 of 17
compared fees are above the median.
1 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
71st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 17 compared; 1 below, 2 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for Farmers and Merchants Trust Company of Chambersburg at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers and Merchants Trust Company of Chambersburg's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (71st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $810K in Q2 2026, 11% above the same quarter a year earlier ($728K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
14 of 17 compared published fees sit above the Pennsylvania median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $2, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.2% from Q3 2025 to Q2 2026, to $810K. Its share of revenue, 3.2%, is above the 2.2% median for banks with $1B to $10B in assets.
$810K
Farmers and Merchants Trust Company of ChambersburgMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $1 to $3.50; we compare the midpoint. Monthly maintenance: Listed at $3 to $50; we compare the midpoint.
Farmers and Merchants Trust Company of Chambersburg · $2.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg(this institution) | Chambersburg, PA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Anderson Brothers Bank | Mullins, SC | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Iowa | West Des Moines, IA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cashmere Valley Bank | Cashmere, WA | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastal States Bank | Hilton Head Island, SC | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crews Bank & Trust | Wauchula, FL | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank of the Lake | Osage Beach, MO | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First United Bank | Dimmitt, TX | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Guaranty Bank | Springfield, MO | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intercredit Bank, National Association | Coral Gables, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| John Marshall Bank | Reston, VA | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luana Savings Bank | Luana, IA | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omb Bank | Springfield, MO | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parke Bank | Sewell, NJ | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Peoples Bank | Bellingham, WA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank, National Association | Albany, NY | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| QNB Bank | Quakertown, PA | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Queensborough National Bank & Trust Company | Louisville, GA | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank | Lincoln, NE | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Central Bank, Inc. | Glasgow, KY | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Commerce | Ammon, ID | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Ephrata National Bank | Ephrata, PA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Fort Smith | Fort Smith, AR | $2.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12, the middle of its seven prices, against a peer median of $10 among 19 publishing peers.
Its seven checking prices are $3, $6.95, $7, $10, $12, $12.95 and $50.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Farmers and Merchants Trust Company of Chambersburg (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $810K | +$69K | +9.3% |
| Q1 2026 | $741K | −$13K | −1.7% |
| Q4 2025 | $754K | −$9K | −1.2% |
| Q3 2025 | $763K | +$35K | +4.8% |
| Q2 2025 | $728K | +$19K | +2.7% |
| Q1 2025 | $709K | −$33K | −4.4% |
| Q4 2024 | $742K | +$2K | +0.3% |
| Q3 2024 | $740K | +$64K | +9.5% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Farmers and Merchants Trust Company of Chambersburg left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers and Merchants Trust Company of Chambersburg by share.
Amounts from Farmers and Merchants Trust Company of Chambersburg’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month · avoid imposition of fees - A monthly fee of $3.00 will be imposed every statement cycle if the daily ledger balance in the account falls below
per month
per month
per month
per month
per month
per hour · Account Reconcilement (per hour)................................. $25.00
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $12.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | avoid imposition of fees - A monthly fee of $3.00 will be imposed every statement cycle if the daily ledger balance in the account falls below |
| Monthly fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee - There | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closing fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee - after 12th month (per cycle) | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconcilement (per hour)................................. $25.00 |
| Paper Statement In-House Printing Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excess Activity (per item) | $20Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Invalid Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdrafts (per item) | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection Transfer Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Balance Inquiries at non-F&M Trust ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transfers at non-F&M Trust ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawals at non-F&M Trust ATM | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card - Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $12Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $36Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Canadian Check Collection/Processing | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Night Drop Key | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Inventory (per hour) | $40Not compared: Hourly charge, not annual | per hour | None |
| Levies, Attachments, and Garnishments | $200Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Returned Loan Payment | $36Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Farmers and Merchants Trust Company of Chambersburg operates, and what regulators and customers have on file.
Branch footprint
25 offices in 2 states, $1.9B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 12 | $1.2B | |
| 9 | $559.1M | |
| Outside a metro area | 3 | $128.1M |
| 1 | $50.8M |
Chambersburg, PA
33.9% of bank deposits, #1 of 9, down 5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 26.4% |
| Orrstown Bank | 18.6% |
| Manufacturers and Traders Trust Company | 16.1% |
| Middletown Valley Bank | 1.5% |
| The Juniata Valley Bank | 1.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Chambersburg, PA, Farmers and Merchants Trust Company of Chambersburg holds 33.9% of bank deposits, #1 of 9, with 12 offices.
50 offices of 13 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 9 institutions shown. $3.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 33.9% share, 12 offices, #1 of 9
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
15 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.