The Farmers Bank of Willards: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers Bank of Willards of Willards, MD against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.43% | 1.35% | +0.08% | 59th above |
| ROAE Ahead of the peer average, behind the median peer. | 12.06% | 12.05% | +0.01% | 48th below |
| Net Interest Margin | 4.47% | 3.90% | +0.57% | 78th top |
| Efficiency Ratio | 58.34% | 63.15% | -4.81% | 59th above |
| PPNR / Avg Assets | 2.02% | 1.64% | +0.38% | 73rd above |
| Yield on Earning Assets | 5.58% | 5.65% | -0.07% | 49th below |
| Cost of Funds | 1.21% | 1.85% | -0.64% | 84th top |
| Net Interest Spread | 3.79% | 3.35% | +0.44% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.92% | -0.50% | 49th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.67% | -0.11% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 269.41% | 1645.72% | -1376.31% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.64% | 7.15% | -0.51% | 33rd below |
| Provision / NCO | 134.53% | 1189.84% | -1055.31% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.87% | 20.83% | -1.96% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.87% | 20.86% | -1.99% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.12% | 21.94% | -1.82% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.13% | 12.46% | -0.33% | 66th above |
| Equity / Assets | 11.71% | 11.67% | +0.04% | 68th above |
| TCE / Tangible Assets | 11.71% | 11.40% | +0.31% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.97% | 78.64% | +5.33% | 43rd below |
| Core Deposit Ratio | 92.45% | 87.09% | +5.36% | 70th above |
| Wholesale Funding Ratio | 1.10% | 5.12% | -4.02% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.31% | 6.48% | -6.79% | 18th bottom |
| Loan Growth (Y/Y) | 5.25% | 7.64% | -2.39% | 49th below |
| Deposit Growth (Y/Y) | 2.53% | 6.02% | -3.49% | 39th below |
See The Farmers Bank of Willards's peers by name
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Unlock The Farmers Bank of Willards, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Farmers Bank of Willards profile, how to read a UBPR, or how this data updates.