Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

FARMERS&MERCHANTS TR CHAMBER

FDIC #8405 · PA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,071,054-5.39% YoY

Total deposits951,061-5.56% YoY

Net loans and leases792,785-11.19% YoY

Return on assets1.09%-3.75% YoY

Return on equity10.20%-6.93% YoY

Net interest margin3.67%+4.79% YoY

Peer position

Return on assets51stin line · n=902

Return on equity76thstrength · n=894

Net interest margin46thin line · n=902

Equity to assets10thopportunity · n=894

Noncurrent loans24thopportunity · n=887

Liquid assets73rdstrength · n=895

Brokered deposits52ndin line · n=890

Loans to deposits61stin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,071,054	951,061	792,785	1.09	10.20	3.67
2016-06-30	1,085,180	966,025	816,825	0.87	8.15	3.59
2016-09-30	1,108,356	979,073	848,258	0.85	8.02	3.58
2016-12-31	1,128,634	982,974	883,338	0.81	7.63	3.58
2017-03-31	1,132,086	1,007,062	892,699	1.14	10.96	3.50
2017-06-30	1,135,229	1,007,673	890,941	1.20	11.45	3.60
2017-09-30	1,166,167	1,033,451	900,412	1.18	11.17	3.60
2017-12-31	1,180,685	1,047,454	932,350	0.26	2.47	3.61
2018-03-31	1,169,473	1,035,234	930,664	1.26	12.82	3.65
2018-06-30	1,174,475	1,058,312	955,270	-0.20	-2.08	3.73
2018-09-30	1,195,045	1,072,103	959,529	0.35	3.60	3.77
2018-12-31	1,210,156	1,082,780	961,078	0.60	6.19	3.79
2019-03-31	1,213,692	1,076,758	967,980	1.15	11.68	3.78
2019-06-30	1,252,444	1,113,128	970,596	1.15	11.74	3.79
2019-09-30	1,302,271	1,160,116	926,962	1.26	12.94	3.78
2019-12-31	1,271,086	1,125,629	924,649	1.31	13.37	3.75
2020-03-31	1,262,274	1,117,917	924,407	0.67	6.67	3.66
2020-06-30	1,422,442	1,273,888	1,000,838	0.83	8.50	3.63
2020-09-30	1,510,375	1,356,974	1,015,305	0.91	9.54	3.56
2020-12-31	1,534,167	1,374,787	1,002,361	1.02	10.75	3.57
2021-03-31	1,597,394	1,441,500	989,496	1.35	15.02	3.19
2021-06-30	1,676,551	1,510,962	989,517	1.38	15.38	3.12
2021-09-30	1,731,902	1,562,515	1,006,916	1.42	15.88	3.10
2021-12-31	1,773,423	1,602,130	986,573	1.30	14.53	3.07
2022-03-31	1,766,626	1,614,146	989,069	0.80	9.54	2.75
2022-06-30	1,831,701	1,695,034	1,021,662	0.86	10.98	2.91
2022-09-30	1,846,832	1,719,660	1,035,867	0.95	12.95	3.09
2022-12-31	1,699,086	1,565,109	1,037,149	0.97	13.23	3.27
2023-03-31	1,710,994	1,515,349	1,063,337	0.85	11.75	3.43
2023-06-30	1,736,330	1,524,025	1,130,673	0.84	11.48	3.45
2023-09-30	1,827,377	1,578,271	1,192,114	0.89	12.43	3.47
2023-12-31	1,835,344	1,548,238	1,241,146	0.89	12.25	3.47
2024-03-31	2,011,887	1,569,531	1,261,343	0.83	11.29	3.18
2024-06-30	2,038,962	1,596,620	1,302,234	0.78	10.72	3.19
2024-09-30	2,151,872	1,733,480	1,351,111	0.81	11.11	3.18
2024-12-31	2,197,156	1,825,022	1,382,894	0.65	8.99	3.16
2025-03-31	2,258,716	1,877,554	1,439,538	0.81	11.55	3.11
2025-06-30	2,287,488	1,902,803	1,501,521	0.99	13.88	3.25
2025-09-30	2,297,312	1,903,075	1,544,935	1.02	14.03	3.36
2025-12-31	2,239,135	1,836,236	1,559,512	1.06	14.23	3.44
2026-03-31	2,298,449	1,890,349	1,553,547	1.28	15.56	3.59
2026-06-30	2,336,081	1,925,463	1,591,552	1.27	15.37	3.64

Structure and branch footprint

25 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2008-11-29	1	2738325	289515
2006-07-01	1	966919	289515
1995-04-29	1	799416	289515

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.