Farmers&Merchants Tr Chamber (FDIC #8405): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Tr Chamber (FDIC Cert #8405): bank stress 71/100, elevated, STABLE over 7 days; parent FRANKLIN FINL SERVICES CORP.
Farmers&Merchants Tr Chamber (#8405) lends in 6 counties across 2 states; Farmers&Merchants Tr Chamber (#8405) reaches 145 ZIP codes: Pennsylvania 5 counties, 124 ZIPs; Maryland 1 county, 21 ZIPs.
Farmers&Merchants Tr Chamber (#8405) largest markets: Huntingdon County, PA (34 branches, 34 ZIPs) (#8405), Dauphin County, PA (31 branches, 31 ZIPs) (#8405), Franklin County, PA (372 branches, 31 ZIPs) (#8405), Washington County, MD (21 branches, 21 ZIPs) (#8405), Cumberland County, PA (168 branches, 21 ZIPs) (#8405), Fulton County, PA (34 branches, 17 ZIPs) (#8405).
Farmers&Merchants Tr Chamber (#8405) reports $2.34 billion in total assets; Farmers&Merchants Tr Chamber (#8405) equity $192.9 million (8.3% of Farmers&Merchants Tr Chamber (#8405) assets); Farmers&Merchants Tr Chamber (#8405) domestic deposits $1.93 billion; Farmers&Merchants Tr Chamber (#8405) net income $14.5 million; Farmers&Merchants Tr Chamber (#8405) return on assets 1.27%; Farmers&Merchants Tr Chamber (#8405) return on equity 15.37%; Farmers&Merchants Tr Chamber (#8405) net interest income $39.5 million; Farmers&Merchants Tr Chamber (#8405) call report June 30, 2026.
Farmers&Merchants Tr Chamber (#8405) noncurrent real-estate loans: none reported; Farmers&Merchants Tr Chamber (#8405) net charge-offs on real estate 1.26%; Farmers&Merchants Tr Chamber (#8405) residential charge-offs 1.53%.
Farmers&Merchants Tr Chamber (#8405) net interest margin 3.64% against an eight-quarter Farmers&Merchants Tr Chamber (#8405) average of 3.34% (Farmers&Merchants Tr Chamber (#8405) compression -0.30 points); Farmers&Merchants Tr Chamber (#8405) non-residential real estate 153.2% of equity; Farmers&Merchants Tr Chamber (#8405) rate-exposure score 40/100, Farmers&Merchants Tr Chamber (#8405) fixed-rate trap 40/100; Farmers&Merchants Tr Chamber (#8405) risk type credit driven; Farmers&Merchants Tr Chamber (#8405) rate regime rates elevated, Farmers&Merchants Tr Chamber (#8405) snapshot October 19, 2026.
Farmers&Merchants Tr Chamber (#8405) stress score moved from 69.9 on June 22, 2026 to 71.4 on October 19, 2026; Farmers&Merchants Tr Chamber (#8405) ranged 69.9 to 71.4 over 116 snapshots.
Farmers&Merchants Tr Chamber (#8405) alerts: 6 counties; top Farmers&Merchants Tr Chamber (#8405) alert scores: Hagerstown County, PA 24 (low); Harrisburg County, PA 24 (low); Mcconnellsburg County, PA 24 (low); Orbisonia County, PA 24 (low); Shippensburg County, PA 24 (low).