Franklin Financial Services Corporation, a Pennsylvania-based bank holding company, operates F&M Trust, a community bank with multiple locations across south-central Pennsylvania and Maryland. The Bank generates revenue through three core business streams: retail and commercial banking services (deposit products, commercial real estate and business lending, and consumer loans), mortgage lending secured primarily by real estate, and wealth management services including trust administration, estate planning, investment advisory, and custodial services. F&M Trust competes in a consolidated regional banking market by emphasizing local customer relationships, operational convenience, and a comprehensive product portfolio, while generating net interest income from loans and deposits alongside fee income from lending, deposits, and wealth management services.