CHAMBERSBURG, PA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.3B
Total Deposits
$1.9B
Net Loans
$1.6B
Net Income
$7M
ROA
1.28%
Above avg for Community banks. Peer avg: 0.90%
ROE
15.56%
Risk-Based Capital
13.64%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 948 | 71.1% | 13.82% |
| 2023 | 897 | 73.58% | 16.16% |
| 2022 | 940 | 74.47% | 15.21% |
| 2021 | 1,460 | 77.6% | 12.74% |
| 2020 | 1,566 | 78.61% | 13.22% |
| 2019 | 763 | 77.98% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2024 | Satisfactory | Large Bank |
| Mar 2021 | Satisfactory | Intermediate Small Bank |
| Aug 2018 | Satisfactory | Intermediate Small Bank |
10 previous ratings locked — back to 1990
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Total Branches
25
Branch Deposits
$1.9B
1-Year Change
+1
5-year net change: +2 branches
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Preview:
| 15.73% |
| 2018 | 585 | 63.25% | 23.76% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red