FRANKLIN FINANCIAL SERVICES CORP
Franklin Financial Services Corporation (NASDAQ: FRAF) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Farmers and Merchants Trust Company, established in 1906. The company's website is www.franklinfin.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What FRANKLIN FINANCIAL SERVICES CORP does
In the company’s own words
Franklin Financial Services Corporation (NASDAQ: FRAF) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Farmers and Merchants Trust Company, established in 1906. The company's website is www.franklinfin.com.
F&M Trust functions as a full-service, Pennsylvania-chartered commercial bank and trust company with twenty-three community banking offices serving Franklin, Cumberland, Dauphin, Fulton, and Huntingdon Counties in Pennsylvania, as well as Washington County, Maryland. The bank maintains approximately $2.2 billion in total assets as of December 31, 2025, making it the largest financial institution headquartered in Franklin County, Pennsylvania.
The company's core business encompasses traditional community banking services including deposit products, commercial and consumer lending, and wealth management. The loan portfolio is heavily concentrated in real estate, with approximately eighty-five percent of loans secured by real estate collateral. Commercial purpose loans represent seventy-eight percent of the total loan portfolio, with commercial real estate comprising sixty-four percent of total loans. The bank also originates construction loans, residential mortgages, and consumer installment loans. Deposit products include demand deposits, savings accounts, money management accounts, and certificates of deposit serving retail, commercial, and municipal customers.
The Wealth Management segment provides personal and corporate trust services, estate planning and administration, pension and profit-sharing fund management, custodial services, and investment advisory services. Fee income from Wealth Management comprises approximately forty-eight percent of total noninterest income, with asset management fees representing a significant component tied to market values of assets under management.
Franklin Future Fund Inc., a non-bank subsidiary, makes venture capital investments limited to five percent or less of outstanding voting shares of portfolio companies within the corporation's primary market area. Franklin Financial Properties Corp., a qualified real estate subsidiary, holds real estate assets used in banking operations.
The corporation maintains a strong community presence, donating over $785,000 to 324 organizations in 2025 and funding 341 scholarships totaling $318,000 through the Pennsylvania Educational Improvement Tax Credit program. The organization emphasizes employee engagement, achieving an eighty-five percent engagement score with a ninety-three percent survey response rate in 2025.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- CHAMBERSBURG, PA
- Fiscal year end
- December
- CIK
- 723646
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns FRANKLIN FINANCIAL SERVICES CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · FRANKLIN FINANCIAL SERVICES CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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