Bank Comparison
Farmers Bank of Willards, the vs Arundel Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| CET1 Ratio | 18.45% | — |
| Tier 1 Capital Ratio | 18.45% | — |
| Total Capital Ratio | 19.70% | — |
| Tier 1 Leverage Ratio | 11.82% | 14.99% |
| Equity / Assets | 11.72% | 13.57% |
Profitability
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 0.07% |
| Return on Equity (ROE) | 11.38% | 0.48% |
| Net Interest Margin (NIM) | 4.38% | 2.32% |
| Yield on Earning Assets | 5.49% | 4.37% |
| Cost of Funds | 1.21% | 2.35% |
Asset quality
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| Texas Ratio | 5.94% | 3.10% |
| Non-Performing Loan Ratio | 0.36% | 0.42% |
| Non-Performing Asset Ratio | 0.50% | 0.39% |
| Net Charge-Off Ratio | 0.21% | 0.00% |
| ACL / Loans | 1.11% | 0.59% |
Balance sheet
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| Total Assets | $536,743K | $474,117K |
| Total Deposits | $463,080K | $361,186K |
| Total Loans | $392,677K | $370,279K |
| Total Equity | $62,899K | $64,323K |
| Net Income (quarter) | $1,767K | $78 |
Liquidity & funding
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.80% | 102.52% |
| Core Deposit Ratio | 92.43% | 85.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank of Willards, the | Arundel Bank |
|---|---|---|
| Headquarters City | WILLARDS | GLEN BURNIE |
| Headquarters State | MD | MD |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 702349 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 75 | 62 |
| Established | Jan. 3, 1925, midnight | Jan. 1, 1906, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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