FARMERS BANK OF WILLARDS, THE
FARMERS BANK OF WILLARDS, THE is an FDIC-insured commercial bank headquartered in WILLARDS, MD, established in 1925. As of , the bank reported total assets of $553M and total deposits of $468M. Profitability stands at 1.31% ROA and 11.77% ROE, with a net interest margin of 4.33%. CET1 capital ratio: 17.95%, well above regulatory minimums. NPL ratio: 0.33% · Texas Ratio: 3.89%. Operates 8 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Farmers Bank of Willards, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.95% | 1.31% | 0.33% | 3.89% | 4.33% |
| 2025-09-30 | 17.79% | 1.47% | 0.11% | 2.83% | 4.32% |
| 2025-06-30 | 17.76% | 1.18% | 0.10% | 3.27% | 4.18% |
| 2025-03-31 | 17.33% | 1.12% | 0.14% | 3.74% | 3.90% |
| 2024-12-31 | 16.94% | 1.19% | 0.11% | 4.19% | 3.91% |
| 2024-09-30 | 10.01% | 1.23% | 0.24% | 4.75% | 3.96% |
| 2024-06-30 | 16.74% | 0.97% | 0.21% | 4.82% | 3.82% |
| 2024-03-31 | 16.35% | 0.99% | 0.08% | 4.14% | 3.77% |
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Frequently asked about FARMERS BANK OF WILLARDS, THE
What are Farmers Bank of Willards, the's total assets?
As of the Q4 2025 filing, Farmers Bank of Willards, the reported total assets of $552.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers Bank of Willards, the headquartered?
Farmers Bank of Willards, the is headquartered in WILLARDS, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers Bank of Willards, the founded?
Farmers Bank of Willards, the was established in 1925, per the FDIC institution directory.
Is Farmers Bank of Willards, the FDIC-insured?
Yes. Farmers Bank of Willards, the is an FDIC-insured commercial bank (FDIC Certificate #5885). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank of Willards, the?
Farmers Bank of Willards, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers Bank of Willards, the's CET1 capital ratio?
Farmers Bank of Willards, the reported a Common Equity Tier 1 (CET1) capital ratio of 17.95% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers Bank of Willards, the operate?
Farmers Bank of Willards, the operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers Bank of Willards, the's Texas Ratio?
Farmers Bank of Willards, the's Texas Ratio is 3.89% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.