Listed locations
24
Institution profile
Farmers and Merchants Trust Company of Chambersburg
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Farmers and Merchants Trust Company of Chambersburg
- Display name
- Farmers and Merchants Trust Company of Chambersburg
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 10, 1906
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Chambersburg, PA, 17201, United States
- Website
- https://fmtrust.bank
- FDIC certificate number
- 8405
- Federal Reserve RSSD ID
- 289515
- Domestic location count
- 25
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 8405
- Federal Reserve RSSD ID
- 289515
- Headquarters
- 20 South Main Street, Chambersburg, PA, 17201, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 24 of 24 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| 83 WEST WASHINGTON STREET COMMUNITY OFFICE | 83 West Washington Street | Hagerstown | MD | 21740 |
| 3 EAST FIRST BRANCH | 3 E First Street | Boiling Springs | PA | 17007 |
| 1909 RITNER HIGHWAY BRANCH | 1909 Ritner Highway | Carlisle | PA | 17013 |
| CARLISLE CROSSING BRANCH | 214A Westminister Drive | Carlisle | PA | 17013 |
| 1425 PHILADELPHIA BRANCH | 1425 Philadelphia Avenue | Chambersburg | PA | 17201 |
| 1500 NITTERHOUSE DRIVE, CHAMBERSBURG, PA | 1500 Nitterhouse Drive | Chambersburg | PA | 17201 |
| 1712 LINCOLN WAY BRANCH | 1712 Lincoln Way East | Chambersburg | PA | 17202 |
| COLDBROOK PLAZA BRANCH | 841 Wayne Avenue | Chambersburg | PA | 17201 |
| MARION BRANCH | 5293 Main Street | Chambersburg | PA | 17202 |
| MENNO HAVEN RETIREMENT COMMUNITY BRANCH | 2075 Scotland Avenue | Chambersburg | PA | 17201 |
| NORLAND AVENUE COMMUNITY OFFICE | 870 Norland Avenue | Chambersburg | PA | 17201 |
| PRESIDENTIAL HEIGHTS BRANCH | 2405 Philadelphia Avenue Extended | Chambersburg | PA | 17201 |
| WEST SIDE BRANCH | 1100 Lincoln Way West | Chambersburg | PA | 17202 |
| 518 NORTH ANTRIM WAY BRANCH | 518 North Antrim Way | Greencastle | PA | 17225 |
| 4050 CRUMS MILL ROAD BRANCH | 4050 Crums Mill Road | Harrisburg | PA | 17112 |
| HARRISBURG REGIONAL HEADQUARTERS | 4050 Crums Mill Road Bldg 2, Suite 301 | Harrisburg | PA | 17112 |
| LINGLESTOWN COMMUNITY OFFICE | 4765 Linglestown Road | Harrisburg | PA | 17112 |
| 101 LINCOLN WAY WEST BRANCH | 101 Lincoln Way West | Mcconnellsburg | PA | 17233 |
| MECHANICS COMMUNITY OFFICE | 6375 Carlisle Pike | Mechanicsburg | PA | 17050 |
| 8 PARK OFFICE | 8 Park Street | Mont Alto | PA | 17237 |
| 51 SOUTH HIGH STREET | 51 South High Street | Newville | PA | 17241 |
| 18810 SANDY RIDGE STATION BRANCH | 18810 Sandy Ridge Station | Orbisonia | PA | 17243 |
| SHIPPENSBURG BRANCH | 13 Shippensburg Shopping Center | Shippensburg | PA | 17257 |
| WAYNESBORO BRANCH | 200 East Main Street | Waynesboro | PA | 17268 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- May 1, 2024
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| May 1, 2024 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2021 | Satisfactory | FDIC | Intermediate Small Bank |
| August 1, 2018 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2015 | Satisfactory | FDIC | Intermediate Small Bank |
| June 1, 2013 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 2009 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2006 | Satisfactory | FDIC | Intermediate Small Bank |
| May 5, 2003 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
| July 1, 1998 | Outstanding | FDIC | Large Bank Exam |
| December 1, 1995 | Outstanding | FDIC | Not Reported |
| November 1, 1993 | Satisfactory | FDIC | Not Reported |
| September 5, 1990 | Satisfactory | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| November 29, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 29, 1995 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FRANKLIN FINANCIAL PROPERTIES CORPORATION | Domestic Entity Other | Chambersburg, PA |
| ROOT_INSTITUTION | FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG | Non-member Bank | Chambersburg, PA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank