Bank · FDIC insured
F&M Trust
A $2.3B bank headquartered in Chambersburg, PA, with 25 branches in 2 states. Best rates: CDs 2.35% and savings 0.05% APY.
F&M Trust Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#8 of 9 in Chambersburg, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About F&M Trust
Founded in 1906, F&M Trust operates as a locally owned, independent community bank.
- Headquarters
- 20 S Main St, Chambersburg, PA 17201
- FDIC certificate
- 8405 ↗
Branches
25 branches in 2 states
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Pennsylvania
24 branches
Chambersburg area · 12
- Farmers and Merchants Trust Company of ChambersburgMain office20 S Main St, Chambersburg, PA 17201Directions
- Brookview Branch2075 Scotland Ave, Chambersburg, PA 17201Directions
- Chambers Pointe Branch1625 Philadelphia Ave, Chambersburg, PA 17201Directions
- Lincoln Way East Branch1712 Lincoln Way E, Chambersburg, PA 17202Directions
- Norland Avenue Branch870 Norland Ave, Chambersburg, PA 17201Directions
- Orchard Park Branch841 Wayne Ave, Chambersburg, PA 17201Directions
- Philadelphia Avenue Branch2405 Philadelphia Avenue Extended, Chambersburg, PA 17201Directions
- Greencastle Branch518 N Antrim Way, Greencastle, PA 17225Directions
- West Side Branch1100 Lincoln Way West, Hamilton Township, PA 17201Directions
- Marion BranchColorado Street, Marion, PA 17235Directions
- Mont Alto Branch2 Park St, Mont Alto, PA 17237Directions
- Waynesboro Branch200 E Main St, Waynesboro, PA 17268Directions
Harrisburg area · 9
- Boiling Springs Branch3 E 1st St, Boiling Springs, PA 17007Directions
- Community Trust Company Branch3907 Market St, Camp Hill, PA 17011Directions
- Carlisle Crossings BranchCarlisle Crossing Branch, Carlisle, PA 17013Directions
- East High Street Carlisle Branch800 E High St, Carlisle, PA 17013Directions
- Ritner Highway Branch1901 Ritner Hwy, Carlisle, PA 17013Directions
- Linglestown Community Office Branch4765 Linglestown Road, Harrisburg, PA 17112Directions
- Mechanicsburg Branch6375 Carlisle Pike, Mechanicsburg, PA 17050Directions
- Newville Branch9 W Big Spring Ave, Newville, PA 17241Directions
- Shippensburg Branch13 Shippensburg Shopping Ctr, Shippensburg, PA 17257Directions
Hustontown area · 1
- Hustontown Branch7781 Waterfall Rd, Hustontown, PA 17229Directions
McConnellsburg area · 1
- Mcconnellsburg Branch100 Lincoln Way E, McConnellsburg, PA 17233Directions
Huntingdon area · 1
- Orbisonia Branch18810 Sandy Ridge Sta, Orbisonia, PA 17243Directions
Maryland
1 branch
- Hagerstown Branch Office83 W Washington Street, Hagerstown, MD 21740Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.83% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.10% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.27% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalLeverage ratio8.83%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.10%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of F&M Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.