Regulatory Ratios

Adequately

Well

March 31,

December 31,

Capitalized

Capitalized

(Dollars in thousands)

2026

2025

Minimum

Minimum

Common Equity Tier 1 Risk-based Capital Ratio (1)

Franklin Financial Services Corporation

11.81%

11.45%

N/A

N/A

Farmers & Merchants Trust Company

12.39%

12.02%

4.50%

6.50%

Tier 1 Risk-based Capital Ratio (2)

Franklin Financial Services Corporation

11.81%

11.45%

N/A

N/A

Farmers & Merchants Trust Company

12.39%

12.02%

6.00%

8.00%

Total Risk-based Capital Ratio (3)

Franklin Financial Services Corporation

13.66%

13.27%

N/A

N/A

Farmers & Merchants Trust Company

13.64%

13.27%

8.00%

10.00%

Tier 1 Leverage Ratio (4)

Franklin Financial Services Corporation

8.57%

8.17%

N/A

N/A

Farmers & Merchants Trust Company

8.99%

8.57%

4.00%

5.00%