The Farmers Bank of Willards
BankRegReports is independent of The Farmers Bank of Willards and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank of Willards is an FDIC-insured commercial bank headquartered in Willards, MD, supervised by the FDIC, with $547.6M in total assets at Q2 2026, down 0.3% from Q2 2025, the 17th largest of 27 banks headquartered in Maryland. It was established in 1925 and holds FDIC certificate 5885. Its CET1 capital ratio was 18.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5885
- Headquarters
- Willards, MD
- Established
- 1925
- Total assets, Q2 2026
- $547.6M
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 18.87%
- Domestic offices
- 8 · The Farmers Bank of Willards branches FDIC institution directory, current count
- Routing number
- 052102901
- Safety and soundness
- Is The Farmers Bank of Willards safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank of Willards Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 17th of 27 in Maryland
Problem loans are rising at The Farmers Bank of Willards. It reported $548 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.70% of loans from 0.08% a year earlier. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also keeps 4.47 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.96 cents).
Net income for the quarter rose 17% from a year earlier, to $1.9 million.
As of June 30, 2026, The Farmers Bank of Willards reported a CET1 capital ratio of 18.87%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 6.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Farmers Bank of Willards is the 17th largest of the 27 banks headquartered in Maryland. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $547.6M, loans rose 1.1% and deposits rose 2.0%. 1-4 family residential loans made up 56.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 12.9%. Its 8 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Salisbury 3 offices book 44% of its branch deposits. Judged on its Q2 2026 call report, The Farmers Bank of Willards meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7484 Market St, Willards, MD 21874
- County
- Wicomico
- Metro Area
- Salisbury, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1925
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $472.6M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $223K
- Average total assets
- $537.4M
- Average total loans
- $396.0M
- Average interest-bearing deposits
- $310.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5885
- Fed RSSD
- 105026
- Website
- www.fbwbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers Bank of Willards's total assets ranged from $536.7M (Q1 2026) to $572.3M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$547.6M total assets against $549.4M; $483.5M total liabilities against $489.6M.
$392.3M net loans and leases against $372.7M; $472.6M total deposits against $460.9M.
$95.9M securities against $112.5M; $34.7M cash and balances due against $38.8M.
$7.2M total interest income against $7.3M; $1.4M total interest expense against $1.8M.
$5.8M net interest income against $5.5M.
$757K total noninterest income against $634K; $3.8M total noninterest expense against $3.8M.
$150K provision for credit losses against $150K.
$1.9M net income against $1.6M.
1.43% return on assets against 1.19%; 4.47% net interest margin against 4.17%.
18.87% CET1 capital ratio against 17.76%; 12.13% tier 1 leverage ratio against 11.11%.
Inside the full The Farmers Bank of Willards terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Farmers Bank of Willards rankings
Its closest position to the top of a national ranking is 406 of 2,134, for CET1 ratio; its furthest is 1,640 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q1 2025) to 1.47% (Q3 2025) and its net interest margin ran from 3.86% (Q4 2024) to 4.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.87% | 1.43% | 0.70% | 6.04% | 4.47% |
| Q1 2026 | 18.45% | 1.31% | 0.61% | 5.48% | 4.38% |
| Q4 2025 | 17.95% | 1.29% | 0.39% | 4.25% | 4.32% |
| Q3 2025 | 17.79% | 1.47% | 0.12% | 2.89% | 4.30% |
| Q2 2025 | 17.76% | 1.19% | 0.08% | 3.16% | 4.17% |
| Q1 2025 | 17.33% | 1.11% | 0.13% | 3.62% | 3.90% |
| Q4 2024 | 16.94% | 1.15% | 0.12% | 4.21% | 3.86% |
| Q3 2024 | — | 1.23% | 0.21% | 4.57% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willards Branch | Willards , MD | 21874 | $130.4M |
| Salisbury Branch | Salisbury , MD | 21801 | $85.4M |
| Milford Street Branch | Salisbury , MD | 21804 | $76.1M |
| Millsboro Branch | Millsboro , DE | 19966 | $49.3M |
| Pemberton Branch | Salisbury , MD | 21801 | $47.8M |
| 611 Branch | Ocean City , MD | 21842 | $46.2M |
| 87th Street O.C. Branch | Ocean City , MD | 21842 | $37.4M |
| The Farmers Bank of Willards | Willards , MD | 21874 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MD, rank 35 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Farmers Bank of Willards’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Farmers Bank of Willards
What are The Farmers Bank of Willards's total assets?
As of the Q2 2026 filing, The Farmers Bank of Willards reported total assets of $547.6 million in its FFIEC call report.
Where is The Farmers Bank of Willards headquartered?
It is headquartered in Willards, MD, United States.
When was The Farmers Bank of Willards founded?
It was established in 1925, per the FDIC institution directory.
Is The Farmers Bank of Willards FDIC-insured?
Yes. It 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 The Farmers Bank of Willards?
The Farmers Bank of Willards's primary federal regulator is the FDIC.
What is The Farmers Bank of Willards's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank of Willards operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank of Willards's Texas Ratio?
Its Texas Ratio is 6.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Farmers Bank of Willards.
Get an email when The Farmers Bank of Willards files its next call report, and benchmark it against any peer you choose.
Unlock The Farmers Bank of Willards, freeFree account