FRAF / Franklin Financial Services Corporation - SEC-Einreichungen, Jahresbericht, Proxy Statement

Franklin Financial Services Corporation
US ˙ NasdaqCM ˙ US3535251082

Basisstatistiken
CIK 723646
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Franklin Financial Services Corporation
SEC Filings (Chronological Order)
Auf dieser Seite finden Sie eine vollständige, chronologische Liste der SEC-Einreichungen, mit Ausnahme der Eigentumseinreichungen, die wir an anderer Stelle bereitstellen.
May 11, 2026 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERV

May 4, 2026 EX-99.2

Corporate Headquarters – Chambersburg, PA Annual Meeting April 28, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Invocation Pam Joh

Exhibit 99.2 Corporate Headquarters – Chambersburg, PA Annual Meeting April 28, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq)   Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation  Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation  Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Servi

May 4, 2026 EX-99.1

Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST  Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflect

May 4, 2026 8-K/A

FORM 8-K/A

1 United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 1, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

May 1, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 1, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

May 1, 2026 EX-99.1

Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation First Quarter 2026 Highlights Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST  Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflect

May 1, 2026 EX-99.2

Welcome Shareholders January 15, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST Welcome & Introductions Warren Elliott, Chairman of the Board Franklin Financial Ser

Exhibit 99.2 Welcome Shareholders January 15, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Franklin Financial Services Corporation F&M TRUST  Welcome & Introductions Warren Elliott, Chairman of the Board Franklin Financial Services Corporation F&M TRUST  Board of Directors Warren Elliott President & CEO Dan Fisher Vice Chairman of the Board Craig Best Chairm

April 29, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 29, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 23, 2026 EX-99.1

Franklin Financial Reports First Quarter 2026 Results; Declares Dividend

Exhibit 99.1 April 23, 2026 Franklin Financial Reports First Quarter 2026 Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2026 results. A summary of notable operating results as of or for the first quarter ended March

April 23, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 23, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 23, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 23, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 23, 2026 EX-99.1

F&M Trust Announces Chad Carroll Promoted to President

Exhibit 99.1   Contact: Matt Weaver Chief Marketing Officer 717-261-3665 [email protected]  For Immediate Release April 23, 2026  F&M Trust Announces Chad Carroll Promoted to President CHAMBERSBURG, Pa. – F&M Trust is pleased to announce that Chad Carroll has been promoted to President, effective April 28, 2026. Carroll will now serve as President and Chief Operating Officer.  In his

April 13, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 13, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 24, 2026 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(E)

March 13, 2026 EX-19

Franklin Financial Services Corporation

Exhibit 19 Franklin Financial Services Corporation  Insider Trading Policy THE USE OF INSIDE INFORMATION IN CONNECTION WITH TRADING IN SECURITIES General Rule The U.

March 13, 2026 EX-21

FRANKLIN FINANCIAL SERVICES CORPORATION

EXHIBIT 21      FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES    FRANKLIN FINANCIAL  SERVICES CORPORATION  CHAMBERSBURG, PA    FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100%   FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100%  

March 13, 2026 10-K

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2025, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

February 2, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: February 2, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

February 2, 2026 EX-99.1

Investor Presentation Fourth Quarter 2025 Highlights Corporate Headquarters – Chambersburg, PA Stock Symbol: FRAF (Nasdaq) Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statement

Exhibit 99.1 Investor Presentation Fourth Quarter 2025 Highlights Corporate Headquarters – Chambersburg, PA Stock Symbol: FRAF (Nasdaq)  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period

January 27, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 27, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 27, 2026 EX-99.1

Franklin Financial Reports 2025 Q4 and Year-to-Date Results; Declares Dividend

Exhibit 99.1 January 27, 2026 Franklin Financial Reports 2025 Q4 and Year-to-Date Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2025 and year-to-date 2025 results. A summary of notable operating results as of or fo

January 20, 2026 EX-99.2

 FRANKLIN FINANCIAL SERVICES CORPORATION Adopted June 8, 1983 Amended May 22, 1986 Amended February 26, 1987 Effective April 28, 1987 Amended July 26, 1990 Amended December 2, 1999 Amended April 23, 2002 Amended December 16, 2004 Amended March 9, 20

       FRANKLIN FINANCIAL SERVICES CORPORATION  BYLAWS  Adopted June 8, 1983  Amended May 22, 1986  Amended February 26, 1987 Effective April 28, 1987  Amended July 26, 1990  Amended December 2, 1999  Amended April 23, 2002  Amended December 16, 2004  Amended March 9, 2017  Amended July 8, 2021  Amended August 25, 2022  Amended December 12, 2024  Amended January 15, 2026    i TABLE OF CONTENTS  ARTICLE I – OFFICE 2  Section 1.

January 20, 2026 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 20, 2026 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 20, 2026 EX-99.1

Welcome Shareholders January 15, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Welcome & Introductions Warren Elliott, Chairman of the Board F&M TRUST Board of Directors President & CEO Dan Fisher Craig Best Warre

Exhibit 99.1  Welcome Shareholders January 15, 2026 Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq)  Welcome & Introductions Warren Elliott, Chairman of the Board F&M TRUST  Board of Directors President & CEO Dan Fisher Craig Best Warren Elliott Chairman of the Board Vice Chairman of the Board F&M TRUST Franklin Financial Services Corporation  Board of Directors K

December 12, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 12, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 12, 2025 EX-99.1

Corporate Headquarters – Chambersburg, PA Investor Presentation Third Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Forward Looking Statements Certain statements appearing herein which are not h

Exhibit 99.1 Corporate Headquarters – Chambersburg, PA Investor Presentation Third Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq)  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such fo

November 12, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 12, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 10, 2025 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 25, 2025 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL

October 28, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 28, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 28, 2025 EX-99.1

Franklin Financial Reports Third Quarter and Year-to-Date 2025 Results; Declares Dividend

Exhibit 99.1 October 28, 2025 Franklin Financial Reports Third Quarter and Year-to-Date 2025 Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter and year-to-date 2025 financial results. A summary of notable operating re

October 17, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 17, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

September 15, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: September 15, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File N

August 25, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: August 25, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

August 14, 2025 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVI

July 25, 2025 EX-99.1

Investor Presentation Second Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq) Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking s

Exhibit 99.1 Investor Presentation Second Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST Stock Symbol: FRAF (Nasdaq)  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a futur

July 25, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 25, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 22, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 22, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 22, 2025 EX-99.1

Franklin Financial Reports Second Quarter and Year-to-Date 2025 Results; Declares Dividend

Exhibit 99.1 July 22, 2025 Franklin Financial Reports Second Quarter and Year-to-Date 2025 Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter and year-to-date 2025 financial results. A summary of notable operating res

June 2, 2025 EX-99.1

Investor Presentation First Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation First Quarter 2025 Highlights Franklin Financial Services Corporation F&M TRUST  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecti

June 2, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: June 2, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

May 15, 2025 EX-FILING FEES

Filing Fee Table

Exhibit 107.1  Calculation of Filing Fee Tables  FORM S-8 Registration Statement Under the Securities Act of 1933 (Form Type)  Franklin Financial Services Corporation (Exact Name of Registrant as Specified in its Charter)  Table 1- Newly Registered Securities   Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit (2) Maximum A

May 15, 2025 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERV

May 15, 2025 S-8

As filed with the Securities and Exchange Commission on May 15, 2025.

As filed with the Securities and Exchange Commission on May 15, 2025. Registration 333-   United States Securities and Exchange Commission Washington, D.C. 20549  FORM S-8  REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933  FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of Registrant as specified in its charter)   Pennsylvania (State or other jurisdiction of incorporation or org

May 2, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 2, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

April 29, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 29, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 29, 2025 EX-99.1

Annual Meeting April 29, 2025 F&M TRUST Franklin Financial Services Corporation Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation Minutes of Last M

Exhibit 99.1 Annual Meeting April 29, 2025 F&M TRUST Franklin Financial Services Corporation  Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation  Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation  Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements In order to help you to bet

April 29, 2025 EX-99.1

Franklin Financial Reports First Quarter 2025 Results; Declares Dividend

Exhibit 99.1 April 29, 2025 Franklin Financial Reports First Quarter 2025 Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2025 financial results. A summary of notable operating results as of or for the quarter ended

April 29, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 29, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 14, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 14, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 25, 2025 DEF 14A

FRANKLIN FINANCIAL SERVICES CORPORATION EMPLOYEE STOCK PURCHASE PLAN 1.Purpose. This Franklin Financial Services Corporation Employee Stock Purchase Plan (the “Plan”) is intended to provide employees of the Company and its Participating Subsidiaries

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(E)

March 14, 2025 EX-10.4

Senior Management and Directors Incentive Stock Plan* - filed herewith

Exhibit 10.4 Franklin Financial Services Corporation 2019 Omnibus Stock Incentive Plan  Operating Guidelines (as of January, 2024)  Executive Compensation Program Philosophy. FFSC (“the Company”) and F&M Trust (“the Bank”) wish to provide their executives (and other key personnel) and outside directors with a comprehensive, competitive total rewards program, including longer-term incentives that

March 14, 2025 EX-10.3

Senior Management Annual Incentive Plan*- filed herewith

Exhibit 10.3  Senior Management Annual Incentive Plan (Effective January 1, 2024) The Senior Management Annual Incentive Plan (the "Incentive Plan") is a short-term compensation program designed for the purpose of linking a portion of the compensation of its senior officers to the success of the Company in meeting certain financial targets which are established annually by the Compensation and Pe

March 14, 2025 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21      FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES    FRANKLIN FINANCIAL  SERVICES CORPORATION  CHAMBERSBURG, PA    FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100%   FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100%  

March 14, 2025 10-K

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2024, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

March 14, 2025 EX-19

Insider Trading Policy – filed herewith

Exhibit 19 Franklin Financial Services Corporation  Insider Trading Policy THE USE OF INSIDE INFORMATION IN CONNECTION WITH TRADING IN SECURITIES General Rule The U.

February 25, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: February 25, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

February 25, 2025 EX-99.1

Investor Presentation Fourth Quarter 2024 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation Fourth Quarter 2024 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflectin

January 28, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 28, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 28, 2025 EX-99.1

Franklin Financial Reports 2024 Q4 and Year-to-Date Results; Declares Dividend

Exhibit 99.1 January 28, 2025 Franklin Financial Reports 2024 Q4 and Year-to-Date Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2024 and year-to-date 2024 results. A summary of operating results follows: · Net inco

January 21, 2025 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 21, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 17, 2025 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 17, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 17, 2025 EX-99.1

Welcome Shareholders January 16, 2025 F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private

Exhibit 99.1  Welcome Shareholders January 16, 2025 F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting managemen

January 14, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 14, 2025 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 14, 2025 EX-99.1

EMPLOYMENT AGREEMENT

Exhibit 99.1 January 14, 2025  EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT is made and entered into as of January 14, 2025, (the “Effective Date”) by and among Franklin Financial Services Corporation (“Corporation”), Farmers and Merchants Trust Company of Chambersburg (“Bank”), and Craig W. Best (“Executive”), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation i

December 23, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 23, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 26, 2024 EX-99.1

Investor Presentation Third Quarter 2024 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation Third Quarter 2024 Highlights F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecti

November 26, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 26, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 14, 2024 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2. Rece

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL

November 4, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 4, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 22, 2024 EX-99.1

Franklin Financial Reports 2024 Q3 and Year-to-Date Results; Declares Dividend

Exhibit 99.1 October 22, 2024 Franklin Financial Reports 2024 Q3 and Year-to-Date Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter 2024 and year-to-date 2024 results. A summary of operating results follows: · Net incom

October 22, 2024 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 22, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 18, 2024 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 18, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

August 20, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: August 20, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

August 20, 2024 EX-99.1

 Investor Presentation Second Quarter 2024 Highlights Forward Looking StatementsCertain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act

Exhibit 99.1   Investor Presentation Second Quarter 2024 Highlights  Forward Looking StatementsCertain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting management’s current views as to likely fut

August 9, 2024 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2. Rece

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVI

July 23, 2024 EX-99.1

Franklin Financial Reports 2024 Q2 and Year-to-DAte Results; Declares Dividend

Exhibit 99.1 July 23, 2024 Franklin Financial Reports 2024 Q2 and Year-to-DAte Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter 2024 and year-to-date 2024 results. A summary of operating results follows: · Net income

July 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 23, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 15, 2024 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 15, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

May 15, 2024 EX-99.1

 Investor Presentation First Quarter2024 Highlights Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act o

Exhibit 99.1          Investor Presentation First Quarter2024 Highlights  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting management’s current views as

May 15, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 15, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

May 8, 2024 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2. Recen

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERV

April 26, 2024 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 26, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 23, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 23, 2024 EX-99.1

Franklin Financial Reports First Quarter 2024 Results; Declares Dividend

Exhibit 99.1 April 23, 2024 Franklin Financial Reports First Quarter 2024 Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its first quarter 2024 financial results. A summary of operating results as of or for the quarter ended March 31,

April 23, 2024 EX-99.1

 Annual MeetingApril 23, 2024 Call to OrderG. Warren Elliott InvocationPam Johns Minutes of Last MeetingG. Warren Elliott Forward Looking Statements In order to help you to better understand the business of the Company – where we have been and where

Exhibit 99.1   Annual MeetingApril 23, 2024  Call to OrderG. Warren Elliott  InvocationPam Johns  Minutes of Last MeetingG. Warren Elliott  Forward Looking Statements In order to help you to better understand the business of the Company – where we have been and where we want to go – my remarks today (and those of other Company officers who will speak or respond to questions) will include for

April 23, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 23, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 15, 2024 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 15, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 27, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: March 27, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 27, 2024 EX-99.1

 Investor Presentation Fourth Quarter 2023 Highlights F&M TRUST Frankling Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the mean

Exhibit 99.1  Investor Presentation Fourth Quarter 2023 Highlights F&M TRUST Frankling Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, refl

March 19, 2024 DEF 14A

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(

March 12, 2024 10-K/A

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2023, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES

March 12, 2024 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21      FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES    FRANKLIN FINANCIAL  SERVICES CORPORATION  CHAMBERSBURG, PA    FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100%   FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100%  

March 12, 2024 EX-97

Policy Relating to Recovery of Erroneously Awarded Compensation (Clawback)

Exhibit 97 Franklin Financial Services Corporation  Excess Incentive Compensation Recovery Policy  The Board of Directors (the "Board") of Franklin Financial Services Corporation (the "Company") believes that it is in the best interests of the Company and its shareholders to adopt this Excess Incentive Compensation Recovery Policy (the "Policy").

March 11, 2024 EX-97

Policy Relating to Recovery of Erroneously Awarded Compensation (Clawback)

Exhibit 97 Franklin Financial Services Corporation  Excess Incentive Compensation Recovery Policy  The Board of Directors (the "Board") of Franklin Financial Services Corporation (the "Company") believes that it is in the best interests of the Company and its shareholders to adopt this Excess Incentive Compensation Recovery Policy (the "Policy").

March 11, 2024 10-K

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2023, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

March 11, 2024 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21      FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES    FRANKLIN FINANCIAL  SERVICES CORPORATION  CHAMBERSBURG, PA    FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100%   FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100%  

February 14, 2024 SC 13G/A

FRAF / Franklin Financial Services Corporation / Fourthstone LLC - AMENDMENT TO FORM SC 13G Passive Investment

SC 13G/A 1 fraf-sc13ga123123.htm AMENDMENT TO FORM SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1)* Under the Securities Exchange Act of 1934 FRANKLIN FINANCIAL SERVICES CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Titles of Class of Securities) 353525108 (CUSIP Number) December 31, 2023 (Date of Event Which R

January 30, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 30, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 30, 2024 EX-99.1

Franklin Financial Reports 2023 Q4 and Full Year 2023 Results; Declares Dividend

Exhibit 99.1 January 30, 2024 Franklin Financial Reports 2023 Q4 and Full Year 2023 Results; Declares Dividend (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its fourth quarter 2023 and year-to-date 2023 financial results. A summary of operating results follows

January 23, 2024 EX-99.1

Welcome Shareholders January 18, 2024 Forward Looking StatementsCertain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such fo

Exhibit 99.1  Welcome Shareholders January 18, 2024 Forward Looking StatementsCertain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting management’s current views as to likely future developments, a

January 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 23, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 19, 2024 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 19, 2024 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

December 15, 2023 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 15, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

December 1, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 1, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

December 1, 2023 EX-99.1

 F&M TRUST IS COMMITTED TO IMPROVING THE LIVES OF EVERYONE IN THE COMMUNITIES WE SERVER Franklin Financial Services Corporation F&M TRUST More than 250 F&M Trust employees planted 500 trees and shrubs as part of Keystone 10 Million Trees Partnership

 F&M TRUST IS COMMITTED TO IMPROVING THE LIVES OF EVERYONE IN THE COMMUNITIES WE SERVER Franklin Financial Services Corporation F&M TRUST More than 250 F&M Trust employees planted 500 trees and shrubs as part of Keystone 10 Million Trees Partnership.

November 30, 2023 CORRESP

Franklin Financial Services Corporation 1500 Nitterhouse Drive Chambersburg, Pennsylvania 17201-0819 November 30, 2023

Franklin Financial Services Corporation 1500 Nitterhouse Drive Chambersburg, Pennsylvania 17201-0819   November 30, 2023   U.

November 29, 2023 S-3/A

As filed with the Securities and Exchange Commission on November 29, 2023

As filed with the Securities and Exchange Commission on November 29, 2023  Registration No.

November 27, 2023 LETTER

LETTER

United States securities and exchange commission logo November 27, 2023 Timothy G.

November 17, 2023 EX-99.1

Investor Presentation Third Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation Third Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future period or periods, reflectin

November 17, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 17, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 17, 2023 EX-4.4

Form of Subordinated Indenture

Exhibit 4.4    FRANKLIN FINANCIAL SERVICES CORPORATION Issuer and [ ] Trustee SUBORDINATED INDENTURE Dated as of [ ], 20[ ] Subordinated Debt Securities TABLE OF CONTENTS  ARTICLE ONE - DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions. 8 Section 1.03 Form of Documents Delivered to Trustee. 9 Section 1.0

November 17, 2023 EX-4.3

Form of Senior Indenture

Exhibit 4.3    FRANKLIN FINANCIAL SERVICES CORPORATION Issuer and [ ] Trustee SENIOR INDENTURE Dated as of [ ], 20[ ] Senior Debt Securities TABLE OF CONTENTS  ARTICLE ONE - DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions. 8 Section 1.03 Form of Documents Delivered to Trustee. 9 Section 1.04 Acts of Ho

November 17, 2023 S-3

As filed with the Securities and Exchange Commission on November , 2023

As filed with the Securities and Exchange Commission on November , 2023  Registration No.

November 17, 2023 EX-FILING FEES

Filing Fee Table

Exhibit 107.1  Calculation of Filing Fee Tables  FORM S-3 Registration Statement Under the Securities Act of 1933 (Form Type)  Franklin Financial Services Corporation (Exact Name of Registrant as Specified in its Charter)  Table 1- Newly Registered Securities   Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit (1) Maximum A

November 14, 2023 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL

October 24, 2023 EX-99.1

Franklin Financial Reports 2023 Q3 and Year-to-Date Results; Declares Dividend

Exhibit 99.1 October 24, 2023 Franklin Financial Reports 2023 Q3 and Year-to-Date Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its third quarter 2023 and year-to-date 2023 financial results. A summary of operating results follows:

October 24, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 24, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 20, 2023 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 20, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

August 17, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: August 17, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

August 17, 2023 EX-99.1

Investor Presentation Second Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation Second Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future period or periods, reflecti

August 10, 2023 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVI

July 31, 2023 8-K/A

Submission of Matters to a Vote of Security Holders

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 31, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

July 25, 2023 EX-99.1

Franklin Financial Reports 2023 Q2 and Year-to-Date Results; Declares Dividend

Exhibit 99.1 July 25, 2023 Franklin Financial Reports 2023 Q2 and Year-to-Date Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank) headquartered in Chambersburg, PA, reported its second quarter 2023 and year-to-date 2023 results. A summary of operating results follows: · Net incom

July 25, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 25, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 17, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 17, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

May 12, 2023 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERV

May 12, 2023 EX-99.2

Investor Presentation First Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.2 Investor Presentation First Quarter 2023 Highlights F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future period or periods, reflectin

May 12, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 12, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

April 28, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 28, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 25, 2023 EX-99.1

Franklin Financial Reports 2023 Q1 Earnings; Declares Dividend

Exhibit 99.1 April 25, 2023 Franklin Financial Reports 2023 Q1 Earnings; Declares Dividend  CHAMBERSBURG, PA) Franklin Financial Services Corporation (the Corporation) (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $3.3 million ($0.75 per diluted share) for the first quarter and year-to-date period ended March 31, 2023, compared to $3.0 million

April 25, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 25, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 25, 2023 EX-99.2

Annual Meeting April 25, 2023 F&M TRUST Franklin Financial Services Corporation Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation Minutes of Last M

Exhibit 99.2 Annual Meeting April 25, 2023 F&M TRUST Franklin Financial Services Corporation  Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation  Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation  Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Services Corporation  Forward Looking Statements In order to help you to bet

April 25, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 25, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 17, 2023 8-K

FORM 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 17, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 21, 2023 DEF 14A

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(

March 10, 2023 10-K

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2022, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

March 10, 2023 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21      FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES    FRANKLIN FINANCIAL  SERVICES CORPORATION  CHAMBERSBURG, PA    FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100%   FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100%  

February 14, 2023 SC 13G

FRAF / Franklin Financial Services Corp / Fourthstone LLC - SCHEDULE 13G Passive Investment

SC 13G 1 fraf-sc13g123122.htm SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. )* Under the Securities Exchange Act of 1934 FRANKLIN FINANCIAL SERVICES CORPORATION (Name of Issuer) Common Stock, par value $1.00 per share (Titles of Class of Securities) 353525108 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of

January 31, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 31, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 31, 2023 EX-99.1

 Investor Presentation Fourth Quarter 2022 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meani

Exhibit 99.1  Investor Presentation Fourth Quarter 2022 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflect

January 24, 2023 EX-99.1

Franklin Financial Reports 2022 Q4 and End of the Year Results; Declares Dividend

Exhibit 99.1 January 24, 2023 Franklin Financial Reports 2022 Q4 and End of the Year Results; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $3.7 million ($0.84 per diluted share) for the fourth quarter ended December 31, 2022, compared to $3.7 million ($0.82 per dilu

January 24, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 24, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 20, 2023 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 20, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 19, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 19, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 19, 2023 EX-99.1

 Welcome Shareholders January 19, 2023 F&M Trust Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Priva

Exhibit 99.1  Welcome Shareholders January 19, 2023 F&M Trust Franklin Financial Services Corporation  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statements refer to a future period or periods, reflecting managemen

January 5, 2023 EX-99.1

F&M Trust hires Chad Carroll as COO

8-K Jan2023-Exh 991 Exhibit 99.1 January 5, 2023 F&M Trust hires Chad Carroll as COO ? CHAMBERSBURG, Pa. ? F&M Trust is pleased to announce the hiring of Chad Carroll as Executive Vice President and Chief Operating Officer. ? In his new role, Carroll will be responsible for planning, organizing, and controlling the day-to-day activities of the bank and collaborating with the President & Chief Exec

January 5, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 5, 2023 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

January 5, 2023 EX-99.2

EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 3rd day of January 2023, by and among Franklin Financial Services Corporation (“Corporation”), Farmers and Merchants Trust Company of Chambersburg (“Bank”), and Charles (Chad) B. Carroll (“Executi

EX-99.2 3 fraf-20230105xex992.htm EX-99.2 Exhibit 99.2  January 3, 2023  EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 3rd day of January 2023, by and among Franklin Financial Services Corporation (“Corporation”), Farmers and Merchants Trust Company of Chambersburg (“Bank”), and Charles (Chad) B. Carroll (“Executive”), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, th

December 20, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 20, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

December 16, 2022 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 16, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 17, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 17, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 17, 2022 EX-99.1

 Investor Presentation Third Quarter 2022 Highlights F&M Trust Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meanin

Exhibit 99.1 ? ? Investor Presentation Third Quarter 2022 Highlights F&M Trust Franklin Financial Services Corporation ? Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, refl

November 4, 2022 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL

October 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 25, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 25, 2022 EX-99.1

Franklin Financial Reports 2022 Q3 Earnings; Declares Dividend

Exhibit 99.1 October 25, 2022 Franklin Financial Reports 2022 Q3 Earnings; Declares Dividend ? (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $4.6 million ($1.05 per diluted share) for the third quarter ended September 30, 2022, compared to $5.9 million ($1.31 per diluted share) for the

October 17, 2022 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 17, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

September 22, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: September 22, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File N

September 2, 2022 EX-99.1

 FRANKLIN FINANCIAL SERVICES CORPORATION Adopted June 8, 1983 Amended May 22, 1986 Amended February 26, 1987 Effective April 28, 1987 Amended July 26, 1990 Amended December 2, 1999 Amended April 23, 2002 Amended December 16, 2004 Amended March 9, 20

Exhibit 99.1 August 25, 2022 ? ? FRANKLIN FINANCIAL SERVICES CORPORATION BYLAWS Adopted June 8, 1983 Amended May 22, 1986 Amended February 26, 1987 Effective April 28, 1987 Amended July 26, 1990 Amended December 2, 1999 Amended April 23, 2002 Amended December 16, 2004 Amended March 9, 2017 Amended July 8, 2021 Amended August 25, 2022 TABLE OF CONTENTS ? ? ? ? Page ? ARTICLE I - OFFICE 1 ? Section

September 2, 2022 EX-99.1

 Investor Presentation Second Quarter 2022 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meani

Exhibit 99.2 ? Investor Presentation Second Quarter 2022 Highlights F&M TRUST Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, reflect

September 2, 2022 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: September 2, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

September 2, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: September 2, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

August 5, 2022 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVI

July 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 26, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 26, 2022 EX-99.1

Franklin Financial Reports 2022 Q2 Earnings; Declares Dividend

Exhibit 99.1 July 26, 2022 Franklin Financial Reports 2022 Q2 Earnings; Declares Dividend ? (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $3.6 million ($0.80 per diluted share) for the second quarter ended June 30, 2022. This result represents a 19% increase compared to net income of $3

July 15, 2022 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 15, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

June 29, 2022 EX-99.1

2022 ENVIRONMENTAL, SOCIAL & GOVERNANCE HIGHLIGHTS Franklin Financial Services Crop F&M TRUST F&M TRUST is committed to improving the lives of everyone in the communities we serve. F&M Trust is committed to remaining independent and growing the bank

Exhibit 99.1 2022 ENVIRONMENTAL, SOCIAL & GOVERNANCE HIGHLIGHTS Franklin Financial Services Crop F&M TRUST F&M TRUST is committed to improving the lives of everyone in the communities we serve. ? F&M Trust is committed to remaining independent and growing the bank to meet the increasing financial needs of our customers, communities, and shareholders. Our employees are critical to achieving this vi

June 29, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: June 29, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

June 22, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: June 22, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

June 22, 2022 EX-99.1

Investor Presentation First Quarter 2022 Highlights F&M Trust Franklin Financial Services Corporation Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning

Exhibit 99.1 Investor Presentation First Quarter 2022 Highlights F&M Trust Franklin Financial Services Corporation ? Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, reflecti

May 13, 2022 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income (Loss) Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERV

April 27, 2022 EX-99.1

Annual Meeting April 26, 2022 F&M TRUST Franklin Financial Services Corporation Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation Minutes of Last M

Exhibit 99.2 ? Annual Meeting April 26, 2022 F&M TRUST Franklin Financial Services Corporation ? Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation ? Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation ? Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Services Corporation ? Forward Looking Statements In order to help you to b

April 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 27, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 27, 2022 8-K

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 27, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 26, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 26, 2022 EX-99.1

Franklin Financial Reports 2022 Q1 Earnings; Declares Dividend

Exhibit 99.1 April 26, 2022 Franklin Financial Reports 2022 Q1 Earnings; Declares Dividend ? (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $3.0 million ($.67 per diluted share) for the first quarter ended March 31, 2022, compared to $3.7 million ($.82 per diluted share) for the fourth q

April 18, 2022 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 18, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 24, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: March 24, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 24, 2022 EX-99.1

Investor Presentation Fourth Quarter 2021 Highlights Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act o

Exhibit 99.1 ? Investor Presentation Fourth Quarter 2021 Highlights Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, reflecting management?s current views as to likely future

March 18, 2022 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21 ? ? ? ? ? FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES ? ? ? FRANKLIN FINANCIAL ? SERVICES CORPORATION ? CHAMBERSBURG, PA ? ? ? FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100% ? ? FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100% ? ?

March 18, 2022 10-K/A

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2021, are incorporated into Part III. EXPLANATORY NOTE Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A (Amendment No. 1) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN

March 16, 2022 DEF 14A

 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(

March 10, 2022 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21 ? ? ? ? ? FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES ? ? ? FRANKLIN FINANCIAL ? SERVICES CORPORATION ? CHAMBERSBURG, PA ? ? ? FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100% ? ? FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100% ? ?

March 10, 2022 10-K

Portions of the definitive annual proxy statement to be filed, pursuant to Reg. 14A within 120 days after December 31, 2021, are incorporated into Part III. Note 22. Fair Value Measurements and Fair Values of Financial Instruments

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

March 4, 2022 EX-99.4

EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 1st day of March 2022, by and among

Exhibit 99.4 ? March 4, 2022 ? EMPLOYMENT AGREEMENT ? THIS AGREEMENT is made as of the 1st day of March 2022, by and among Franklin Financial Services Corporation (?Corporation?), Farmers and Merchants Trust Company of Chambersburg (?Bank?), and Steven D. Butz (?Executive?), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation is a bank holding company; WHEREAS, the B

March 4, 2022 EX-99.3

EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 1st day of March 2022, by and among

Exhibit 99.3 ? March 4, 2022 ? EMPLOYMENT AGREEMENT ? THIS AGREEMENT is made as of the 1st day of March 2022, by and among Franklin Financial Services Corporation (?Corporation?), Farmers and Merchants Trust Company of Chambersburg (?Bank?), and Mark R. Hollar (?Executive?), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation is a bank holding company; WHEREAS, the B

March 4, 2022 EX-99.1

EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 1st day of March 2022, by and among

Exhibit 99.1 ? March 4, 2022 ? EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 1st day of March 2022, by and among Franklin Financial Services Corporation (?Corporation?), Farmers and Merchants Trust Company of Chambersburg (?Bank?), and Timothy G. Henry (?Executive?), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation is a bank holding company; WHEREAS, the B

March 4, 2022 EX-99.2

EMPLOYMENT AGREEMENT THIS AGREEMENT is made as of the 1st day of March 2022, by and among

Exhibit 99.2 ? March 4, 2022 ? EMPLOYMENT AGREEMENT ? THIS AGREEMENT is made as of the 1st day of March 2022, by and among Franklin Financial Services Corporation (?Corporation?), Farmers and Merchants Trust Company of Chambersburg (?Bank?), and Steven M. Poynot (?Executive?), an adult individual residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation is a bank holding company; WHEREAS, the

March 4, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: March 4, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

February 18, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: February 18, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

February 18, 2022 EX-99.1

Poynot hired as COO; Lieb promoted to CTO

Exhibit 99.1 February 18, 2022 Poynot hired as COO; Lieb promoted to CTO ? CHAMBERSBURG, Pa. ? F&M Trust is pleased to announce the hiring of Steven M. Poynot as Executive Vice President and Chief Operating Officer. ? In his new role, Poynot will be responsible for planning, organizing, and controlling the day-to-day activities of the bank and collaborating with the President & Chief Executive Off

February 7, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: February 7, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 25, 2022 EX-99.1

Franklin Financial Reports 2021 Q4 Earnings; Declares Dividend

Exhibit 99.1 January 25, 2022 Franklin Financial Reports 2021 Q4 Earnings; Declares Dividend ? (CHAMBERSBURG, PA)?Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank),?reported consolidated earnings of $3.7 million ($.82 per diluted share) for the fourth quarter ended December 31, 2021, compared to $4.6 million ($1.04 per diluted share) for the f

January 25, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 25, 2022 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

December 17, 2021 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 16, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

December 1, 2021 EX-99.1

 Your Way Quarterly Fall 2021 Franklin Financial Services Corporation F&M TRUST ONE Billion MORE THAN A BILLION REASONS Our Assets Under Management portfolio continues to grow and work reliably for clients. There’s a good reason for that. Maybe more

Exhibit 99.1 ? ? Your Way Quarterly Fall 2021 Franklin Financial Services Corporation F&M TRUST ONE Billion MORE THAN A BILLION REASONS Our Assets Under Management portfolio continues to grow and work reliably for clients. There?s a good reason for that. Maybe more than 1 billion good reasons. see PAGE 6 2 TIM TALK Notes from the President 4 INVESTOR NEWS 3rd Quarter Review 5 CLIENT PROFILE Keysto

December 1, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 1, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

November 8, 2021 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2. Recen

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SER

November 3, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 28, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 27, 2021 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 26, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File N

October 27, 2021 EX-99.1

Franklin Financial Reports 2021 Q3 Earnings; Declares Dividend

Exhibit 99.1 October 26, 2021 Franklin Financial Reports 2021 Q3 Earnings; Declares Dividend ? (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $5.9 million ($1.31 per diluted share) for the third quarter ended September 30, 2021, compared to $3.5 million ($0.79 per diluted share) for the

October 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 26, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 26, 2021 EX-99.1

Franklin Financial Reports 2021 Q3 Earnings; Declares Dividend

Exhibit 99.1 October 26, 2021 Franklin Financial Reports 2021 Q3 Earnings; Declares Dividend ? (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $5.9 million ($1.31 per diluted share) for the third quarter ended September 30, 2021, compared to $3.5 million ($0.79 per diluted share) for the

October 19, 2021 8-K

Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 15, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

August 11, 2021 EX-99.1

 Investor Presentation Second Quarter 2021 Highlights F&M TRUST Franklin Financial Services Corporation 1 Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the mea

Exhibit 99.1 ? Investor Presentation Second Quarter 2021 Highlights F&M TRUST Franklin Financial Services Corporation 1 ? Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, ref

August 11, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: August 11, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numb

August 9, 2021 10-Q

Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Statements of Changes in Shareholders’ Equity Consolidated Statements of Cash Flows FRANKLIN FINANCIAL SERVICES CORPORATION and SUBSIDIARIES Note 2. Rece

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES

July 29, 2021 EX-99.1

F&M Trust Completes Purchase of Future Corporate Headquarters

Exhibit 99.1 July 29, 2021 F&M Trust Completes Purchase of Future Corporate Headquarters ? CHAMBERSBURG, PA ? Franklin Financial Services Corporation (NASDAQ: FRAF), and its subsidiary F&M Trust, recently completed the purchase of the former Danfoss manufacturing facility located in both the Borough of Chambersburg and Guilford Township. The state-of-the-art facility, which is three miles from the

July 29, 2021 8-K

Financial Statements and Exhibits, Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 29, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 27, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 27, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number

July 27, 2021 EX-99.1

Franklin Financial Reports 2021 Q2 Earnings; Declares Dividend

Exhibit 99.1 July 27, 2021 Franklin Financial Reports 2021 Q2 Earnings; Declares Dividend (CHAMBERSBURG, PA)?Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank),?reported consolidated earnings of $5.3 million ($1.19 per diluted share) for the second quarter ended June 30, 2021, compared to $3.1?million ($.71 per diluted share) for the second qua

July 12, 2021 SC 13G/A

FRAF / Franklin Financial Services Corp / BlackRock Inc. Passive Investment

us3535251082071021.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) FRANKLIN FINANCIAL SERVICES CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 353525108 - (CUSIP Number) June 30, 2021 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule p

July 9, 2021 EX-99

 FRANKLIN FINANCIAL SERVICES CORPORATION Adopted June 8, 1983 Amended May 22, 1986 Amended February 26, 1987 Effective April 28, 1987 Amended July 26, 1990 Amended December 2, 1999 Amended April 23, 2002 Amended December 16, 2004 Amended March 9, 20

Exhibit 99 July 8, 2021 ? ? FRANKLIN FINANCIAL SERVICES CORPORATION BYLAWS Adopted June 8, 1983 Amended May 22, 1986 Amended February 26, 1987 Effective April 28, 1987 Amended July 26, 1990 Amended December 2, 1999 Amended April 23, 2002 Amended December 16, 2004 Amended March 9, 2017 Amended July 8, 2021 TABLE OF CONTENTS ? ? ? Page ? ARTICLE I - OFFICE 1 ? Section 1.

July 9, 2021 8-K

Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: July 9, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

July 9, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 9, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incor

June 7, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: June 7, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

June 7, 2021 EX-99.1

 Franklin Financial Services Corporation F&M TRUST Your Way Quarterly Spring 2021 REAL HEROES F&M Trust was honored to be a big part of Health Care Heroes Week. PAGE 6 2 TIM TALK Notes from the President 4 INVESTOR NEWS 1st Quarter Review 5 CLIENT P

Exhibit 99.1 ? Franklin Financial Services Corporation F&M TRUST Your Way Quarterly Spring 2021 REAL HEROES F&M Trust was honored to be a big part of Health Care Heroes Week. PAGE 6 2 TIM TALK Notes from the President 4 INVESTOR NEWS 1st Quarter Review 5 CLIENT PROFILE iStore Self Storage 6 HELPFUL WAYS Health Care Heroes Week 8 ALL WAYS In Our Community Banking Done Your Way 1 .888. 26 4.6116 fmt

May 21, 2021 8-K

Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 21, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

May 10, 2021 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ?TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICE

May 7, 2021 EX-99.1

 Investor Presentation First Quarter 2021 Highlights F&M TRUST Franklin Financial Services Corporation 1 Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the mean

Exhibit 99.1 ? Investor Presentation First Quarter 2021 Highlights F&M TRUST Franklin Financial Services Corporation 1 ? Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.? Such forward-looking statements refer to a future period or periods, refl

May 7, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: May 7, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Number)

April 29, 2021 8-K

Submission of Matters to a Vote of Security Holders

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 29, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 27, 2021 EX-99.1

 Annual Meeting April 27, 2021 F&M TRUST Franklin Financial Services Corporation 1 Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation 2 Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation 3 Minutes o

Exhibit 99.1 ? Annual Meeting April 27, 2021 F&M TRUST Franklin Financial Services Corporation 1 Call to Order G. Warren Elliott F&M TRUST Franklin Financial Services Corporation 2 ? Invocation Pam Johns F&M TRUST Franklin Financial Services Corporation 3 ? Minutes of Last Meeting G. Warren Elliott F&M TRUST Franklin Financial Services Corporation 4 ? Forward Looking Statements In order to help yo

April 27, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 27, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 26, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

April 26, 2021 EX-99.1

Franklin Financial Reports 2021 Q1 Earnings; Declares Dividend

EX-99.1 2 fraf-20210426xex991.htm EX-99.1 Exhibit 99.1 April 26, 2021 Franklin Financial Reports 2021 Q1 Earnings; Declares Dividend  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $4.8 million ($1.09 per diluted share) for the first quarter ended March 31, 2021, compared to fourth quar

April 12, 2021 8-K

Other Events

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: April 12, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Numbe

March 15, 2021 DEF 14A

- DEF 14A

? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? CONFIDENTIAL, FOR USE OF THE COMMISSION ONLY (AS PERMITTED BY RULE 14A-6(

March 11, 2021 10-K

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SERVICES C

March 11, 2021 EX-21

Subsidiaries of Corporation - filed herewith

EXHIBIT 21 ? ? ? ? ? FRANKLIN FINANCIAL SERVICES CORPORATION SUBSIDIARIES ? ? ? FRANKLIN FINANCIAL ? SERVICES CORPORATION ? CHAMBERSBURG, PA ? ? ? FARMERS AND MERCHANTS FRANKLIN FUTURE TRUST COMPANY OF FUND CHAMBERSBURG, PA CHAMBERSBURG, PA DIRECT - 100% DIRECT - 100% ? ? FRANKLIN FINANCIAL PROPERTIES CORPORATION CHAMBERSBURG, PA INDIRECT - 100% ? ?

February 24, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: February 24, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

February 24, 2021 EX-99.1

Your Way Winter 2020 Franklin Financial Services Corporation F&M TRUST Advancing Technologies New & enhanced products designed to improve overall customer experience. PAGE 7 IN THIS EDITION 2 Tim Talk Notes from the President 4 Investor News 4th Quar

EX-99.1 2 fraf-20210224xex991.htm EX-99.1 Exhibit 99.1  Your Way Winter 2020 Franklin Financial Services Corporation F&M TRUST Advancing Technologies New & enhanced products designed to improve overall customer experience. PAGE 7 IN THIS EDITION 2 Tim Talk Notes from the President 4 Investor News 4th Quarter Review 5 Leading the Way Welcome to Scott Ehrig 6 Building Trust Client Spotlight 7 New P

February 2, 2021 SC 13G

SC 13G

us3535251082020221.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) FRANKLIN FINANCIAL SERVICES CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 353525108 - (CUSIP Number) December 31, 2020 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul

January 29, 2021 EX-99.1

Investor Presentation Fourth Quarter 2020 Highlights F&M TRUST Franklin Financial Services Corporation 1 Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meani

EX-99.1 2 fraf-20210129xex991.htm EX-99.1 Exhibit 99.1  Investor Presentation Fourth Quarter 2020 Highlights F&M TRUST Franklin Financial Services Corporation 1  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Such forward-looking statement

January 29, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 29, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 26, 2021 EX-99.1

Franklin Financial Reports 2020 Q4 Earnings

Exhibit 99.1 January 26, 2020 Franklin Financial Reports 2020 Q4 Earnings (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $4.6 million ($1.04 per diluted share) for the fourth quarter ended December 31, 2020, compared to third quarter 2020 earnings of $3.5 million ($0.79 per diluted share

January 26, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 26, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

January 15, 2021 8-K

Other Events - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: January 14, 2021 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

December 18, 2020 8-K

Other Events - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 18, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

December 18, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: December 18, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 25, 2020 EX-99.1

Your Way Fall 2020 Franklin Financial Services Corporation F&M TRUST Capital Commitment. New regional headquarters in Harrisburg enhances our service to the entire Capital Region. PAGE 5 IN THIS EDITION 2 Tim Talk Notes from the President 4 Investor

 Your Way Fall 2020 Franklin Financial Services Corporation F&M TRUST Capital Commitment.

November 25, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: November 25, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Nu

November 9, 2020 10-Q

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q xQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ¨TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-38884 FRANKLIN FINANCIAL SER

October 27, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 27, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction of incorporation) (Commission File Num

October 27, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 27, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction (Commissi

October 27, 2020 EX-99.1

Investor Presentation October 2020 F&M TRUST Franklin Financial Services Corporation 1 Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private

EX-99.1 2 fraf-20201027xex991.htm EX-99.1 Exhibit 99.1  Investor Presentation October 2020 F&M TRUST Franklin Financial Services Corporation 1  Forward Looking Statements Certain statements appearing herein which are not historical in nature are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements refer to a future

October 27, 2020 EX-99.1

Franklin Financial Reports 2020 Q3 Earnings

EX-99.1 2 fraf-20201027xex991.htm EX-99.1 Exhibit 99.1 October 27, 2020 Franklin Financial Reports 2020 Q3 Earnings  (CHAMBERSBURG, PA) Franklin Financial Services Corporation (NASDAQ: FRAF), the bank holding company of F&M Trust (the Bank), reported consolidated earnings of $3.5 million ($0.79 per diluted share) for the third quarter ended September 30, 2020, compared to second quarter 2020 earn

October 13, 2020 8-K/A

Other Events - 8-K/A

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: October 13, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction (Commission (IRS Employer of incorpo

October 9, 2020 8-K

Other Events - 8-K

o you  United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549  FORM 8-K  CURRENT REPORT  Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934  Date of Report (Date of earliest event reported) October 9, 2020  FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its charter)  Pennsylvania 001-38884 25-1440803 (State or other jur

August 19, 2020 EX-99.1

 Your Way Summer 2020 Franklin Financial Services Corporation F&M TRUST Ahead. Working to ensure our clients and local communities can move forward confidently. IN THIS EDITION 2 Tim Talk Notes from the President 4 Investor News 2nd Quarter Review 5

EX-99.1 2 fraf-20200819xex991.htm EX-99.1 Exhibit 99.1   Your Way Summer 2020 Franklin Financial Services Corporation F&M TRUST Ahead. Working to ensure our clients and local communities can move forward confidently. IN THIS EDITION 2 Tim Talk Notes from the President 4 Investor News 2nd Quarter Review 5 Maintaining a Legacy Client Spotlight 6 Getting Into the Spirit The Positive Workplace 8 Hel

August 19, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report: August 19, 2020 FRANKLIN FINANCIAL SERVICES CORPORATION (Exact name of registrant as specified in its new charter) Pennsylvania 001-38884 25-1440803 (State or other jurisdiction (Commission (IRS Employer of incorporat

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