F&M Trust
F&M Trust is a Pennsylvania-chartered community bank and wholly-owned subsidiary of Franklin Financial Services Corporation, operating 23 branches across Pennsylvania and Maryland. It provides personal banking, borrowing, wealth management, and commercial services to individuals, families, businesses, and charitable institutions.
- Company typePrivate
- Founded1906
- HeadquartersChambersburg, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What F&M Trust does
F&M Trust is a Pennsylvania state-chartered community bank and wholly-owned subsidiary of Franklin Financial Services Corporation (OTC:FRAF), headquartered in Chambersburg, Pennsylvania. Founded in 1906, the bank operates 23 community banking offices across south-central Pennsylvania and Maryland, with total assets of $2.298 billion as of March 31, 2026. It serves individuals and families, businesses and corporations, wealth management clients, and charitable institutions through four core product lines: personal banking (checking, savings, debit cards), borrowing (mortgages, home equities, lines of credit, credit cards), wealth management (retirement, financial, and trust and estate planning), and commercial services (checking, treasury management, business borrowing, employee benefits).
The bank operates a hybrid digital-and-physical platform. Technology consists of a mobile banking application on iOS and Android with Zelle peer-to-peer payment integration, online banking, a .BANK-secured website, and the FiQ financial education platform offering courses, calculators, and coaching. The digital stack is conventional community-bank infrastructure rather than proprietary AI-enabled systems.
F&M Trust's revenue model is anchored in net interest income — interest earned on loans and securities minus interest paid on deposits — which generated $18.5 million in Q1 2026, up 18.7% year-over-year. Complementary revenue streams include banking fees and service charges, wealth management advisory fees (in-house), and mortgage origination fees. The bank employs relationship-based, sales-led go-to-market supported by community involvement, local sponsorship, financial education content marketing, and physical branch presence in its regional footprint.
F&M Trust firmographics
Firmographics- Name
- F&M Trust
- Legal name
- F&M Trust
- Website
- https://fmtrust.bank
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- F&M Trust is a Pennsylvania-chartered community bank and wholly-owned subsidiary of Franklin Financial Services Corporation, operating 23 branches across Pennsylvania and Maryland. It provides personal banking, borrowing, wealth management, and commercial services to individuals, families, businesses, and charitable institutions.
- Ownership category
- akta.pro rank
F&M Trust industry classification
Industry- Product category
- Community Banking
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525), Trusts, Estates, and Agency Accounts (52592), Other Financial Vehicles (52599)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Personal & Family Trust Services (FSAAANAA)
- akta.pro secondary industries
- Multi-Family Offices (MFOs) (FSAAADAB), Corporate & Institutional Trust Services (FSAAANAB)
Keywords
Where F&M Trust is headquartered
LocationHeadquarters
- HQ city
- Chambersburg
- HQ country
- United States
- HQ region
- North America
Offices16 records
Markets served
F&M Trust business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income from loans and securities minus interest paid on deposits. Primary revenue driver with $18.5 million net interest income in Q1 2026, up 18.7% year-over-year.
- Banking Fees and Service Charges: Fee income from deposit accounts, credit cards, wire transfers, and other banking services.
- Wealth Management Services: In-house wealth management, investment management, trust services, and retirement planning for individuals, families, businesses, and charities.
- Mortgage Lending: Residential mortgage origination and home equity loans through mortgage originators across Pennsylvania and Maryland.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
F&M Trust product offering
Product offeringCore offering
F&M Trust is a community bank that provides personal banking (checking, savings, debit cards), consumer borrowing (mortgages, home equities, lines of credit, credit cards), commercial banking (checking, treasury management, business lending, employee benefits), and in-house wealth management (retirement, financial, trust and estate planning) for individuals, families, businesses, and charities across Pennsylvania and Maryland.
Product overview
F&M Trust operates as a community bank offering a unified platform of banking and financial services. The core offering consists of Personal Banking (checking, savings, debit cards), Borrowing products (mortgages, home equities, credit cards), Wealth Management, and Commercial Services. These are supplemented by digital channels including Mobile Banking and Online Banking, along with educational tools like Financial Resources (FiQ) and the Money Moves blog. The product portfolio is designed to serve individuals, families, businesses, and charities across Pennsylvania and Maryland through 23 community-banking locations.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Banking
Companies that use F&M Trust
Customer profileSegments4 records
Ideal customer profiles4 records
F&M Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
F&M Trust partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- Shippensburg UniversityminorF&M Trust partners with Shippensburg University to provide banking externship programs for students and supports the Introduction to Construction program.
- Franklin Financial Services CorporationcoreF&M Trust is a wholly-owned subsidiary of Franklin Financial Services Corporation (OTC:FRAF), a bank holding company headquartered in Chambersburg, Pennsylvania.
Scale indicators9 records
Recent moves4 records
Expansion highlights5 records
F&M Trust competitors and assessment
Company assessmentDirect peers
- S&T Bank: S&T Bank is a Pennsylvania community bank serving western and central PA with comparable product mix including personal banking, mortgages, commercial services, and wealth management.
- ACNB Corporation: ACNB Corporation is a Pennsylvania-based community bank holding company with similar asset size and footprint, offering comparable personal, commercial, and wealth management services across south-central PA and northern MD markets.
- Orrstown Financial Services: Orrstown Financial Services is a PA-headquartered community bank with overlapping footprint in south-central Pennsylvania, offering similar personal banking, commercial lending, and wealth management services.
- First Keystone Corporation: First Keystone Corporation operates First Keystone Community Bank in northeastern and central Pennsylvania with similar community banking focus, comparable asset size, and traditional retail/commercial service model.
- Mid Penn Bancorp: Mid Penn Bancorp is a central Pennsylvania community bank with comparable footprint and full-service banking, wealth management, and trust services across overlapping PA markets.
- CNB Financial Corporation: CNB Financial Corporation operates CNB Bank with headquarters in Clearfield, PA, offering comparable personal banking, commercial lending, and wealth management services across Pennsylvania.
- Citizens Financial Services: Citizens Financial Services is a Pennsylvania community bank holding company operating First Citizens Community Bank, with similar asset size and full-service community banking model in rural/central PA markets.
- LINKBANCORP: LINKBANCORP is a Pennsylvania-based community bank with comparable asset size, offering personal and business banking with community-focused positioning across central PA markets.
Broad incumbents
- First National Bank of Pennsylvania (F.N.B. Corporation): F.N.B. Corporation operates First National Bank, a larger regional bank with overlapping PA and MD presence, offering a broader portfolio of banking and wealth services that competes with F&M Trust across multiple markets.
- M&T Bank: M&T Bank is a large regional bank with significant presence in Pennsylvania and Maryland, offering broader commercial, retail, and wealth capabilities that compete with F&M Trust's customer base across shared markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
F&M Trust social profiles
Digital presenceF&M Trust compliance and trust
Trust signalCompliance1 record
F&M Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
F&M Trust leadership team
Management profileNumber of profiles
Profiles3 records
F&M Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
F&M Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about F&M Trust
What does F&M Trust do?
F&M Trust is a community bank that provides personal banking (checking, savings, debit cards), consumer borrowing (mortgages, home equities, lines of credit, credit cards), commercial banking (checking, treasury management, business lending, employee benefits), and in-house wealth management (retirement, financial, trust and estate planning) for individuals, families, businesses, and charities across Pennsylvania and Maryland.
Is F&M Trust a public or private company?
F&M Trust is a private company. It is classified as corporate owned and is currently operating.
When was F&M Trust founded?
F&M Trust was founded in 1906. It employs 251 to 500 people.
Where is F&M Trust based?
F&M Trust is headquartered in Chambersburg, United States, in the North America region.
How does F&M Trust make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are banking Fees and Service Charges, wealth Management Services and mortgage Lending.
Who are F&M Trust's main competitors?
Direct peers on record are S&T Bank, ACNB Corporation, Orrstown Financial Services, First Keystone Corporation, Mid Penn Bancorp, CNB Financial Corporation, Citizens Financial Services and LINKBANCORP. Broad incumbents are First National Bank of Pennsylvania (F.N.B. Corporation) and M&T Bank.
Does F&M Trust have an API?
No public API is recorded for F&M Trust.
What industry is F&M Trust in?
F&M Trust's product category is Community Banking. Its primary akta.pro industry code is FSAAANAA, Personal & Family Trust Services, with a secondary code of FSAAADAB, Multi-Family Offices (MFOs). Its NAICS code is 525 and its SIC code is 6199.