The Farmers Bank of Willards: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.56 percentage points lower than in Q1 2026, at 269.41%. Within Maryland, The Farmers Bank of Willards is 7th of 27 on return on assets, 1.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers Bank of Willards sits 0.17 points higher, at 1.43% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.87% |
| Tier 1 risk-based capital ratio | 18.87% |
| Total risk-based capital ratio | 20.12% |
| Tier 1 leverage ratio | 12.13% |
| Equity capital to assets | 11.71% |
| Tangible equity to tangible assets | 11.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.64% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 269.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.43% |
| Return on equity | 12.06% |
| Net interest margin | 4.47% |
| Efficiency ratio | 58.34% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.97% |
| Core deposits to total deposits | 92.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.29% |
| Securities to assets | 17.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.89% | 15.89% | 16.96% | 9.69% | 0.63% |
| Q4 2023 | 15.81% | 15.81% | 16.89% | 9.68% | 1.17% |
| Q1 2024 | 16.35% | 16.35% | 17.47% | 9.90% | 1.00% |
| Q2 2024 | 16.74% | 16.74% | 17.94% | 10.03% | 0.97% |
| Q3 2024 | — | — | — | 10.22% | 1.23% |
| Q4 2024 | 16.94% | 16.94% | 18.16% | 9.92% | 1.15% |
| Q1 2025 | 17.33% | 17.33% | 18.57% | 10.52% | 1.11% |
| Q2 2025 | 17.76% | 17.76% | 19.01% | 11.11% | 1.19% |
| Q3 2025 | 17.79% | 17.79% | 19.02% | 11.33% | 1.47% |
| Q4 2025 | 17.95% | 17.95% | 19.21% | 11.12% | 1.29% |
| Q1 2026 | 18.45% | 18.45% | 19.70% | 11.82% | 1.31% |
| Q2 2026 | 18.87% | 18.87% | 20.12% | 12.13% | 1.43% |
The Farmers Bank of Willards vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers Bank of Willards, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers Bank of Willards profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5885) · FFIEC NIC profile (RSSD 105026)