| Bank | State | Assets | Deposits | Deposits YoY | Loans YoY | ROA | Efficiency | NIM | Capital |
|---|---|---|---|---|---|---|---|---|---|
| Farmers and Merchants Trust Company of ChambersburgChambersburg | PA | $2.34B | $1.93B | +1.2% | +6.0% | 1.27% | 60.1% | 3.64% | 8.88% |
Each bank above has its own profile, peer comparison and brief; the group’s vendor decisions usually sit with the lead bank, Farmers and Merchants Trust Company of Chambersburg.