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 results as of or for the second quarter ended June 30, 2025 follows: A summary of notable operating results as of or ...