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The Farmers Bank Of Willards
Willards, MD · FDIC Certificate #5885 · Chartered 01/0
Total assets
$547.65M
Total deposits
$472.57M
Total equity
$64.14M
Net loans
$392.34M
Branches (offices)
8
Net income (YTD)
$3.68M
Rank: #1,676 of 4,213 U.S. banks by assets · #17 of 27 in Maryland. Assets changed -0.3% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.35% |
| Return on equity | 11.73% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 11.71% |
| Tier 1 leverage ratio | 12.13% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 92.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $362.18M | 92.3% | |
| Commercial & industrial | $24.53M | 6.3% | |
| Consumer / individual | $8.44M | 2.2% | |
| Construction & development | $39.20M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $521.53M | $472.26M | $1.79M | $46.36M |
| Jun 2023 | $550.01M | $453.03M | $3.03M | $49.89M |
| Jun 2024 | $565.31M | $442.17M | $2.75M | $54.68M |
| Jun 2025 | $549.37M | $460.89M | $3.21M | $59.80M |
| Jun 2026 | $547.65M | $472.57M | $3.68M | $64.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $423.30M | 7 |
| Delaware | $49.27M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $472.57M.
Similar-sized banks
Charter West Bank ($547.90M) · First National Bank Of Coffee County ($547.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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