What is The Farmers Bank of Willards's financial health grade?

The Farmers Bank of Willards has a TFS Financial Health Grade of C+ (score: 78.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Farmers Bank of Willards have?

The Farmers Bank of Willards has 8 branch locations across the United States.

Is The Farmers Bank of Willards FDIC insured?

Yes, The Farmers Bank of Willards is FDIC insured (Certificate #5885).

What are the total assets of The Farmers Bank of Willards?

The Farmers Bank of Willards has total assets of $552.6M as reported in its most recent FDIC filing.

The Farmers Bank of Willards

BankWillards, Maryland

www.fbwbank.com

Total Assets

$552.6M

Total Deposits

$468.3M

Branches

Established

1925

TFS Health Grade

C+

78.5 / 100

Average financial health

How we grade

The Farmers Bank of Willards is a bank headquartered in Willards, Maryland, established in 1925. With $552.6M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C+ (78.5/100).

Capital & Safety

Tier 1 Capital Ratio

11.12%(8%)

Total Capital Ratio

19.21%(10%)

Non-Performing Loan Ratio

0.39%

Profitability

Return on Assets (ROA)

1.27%(1%)

Return on Equity (ROE)

11.83%(10%)

Net Interest Margin

4.25%

Efficiency Ratio

59.95%(60%)

Lending & Liquidity

Total Loans

$390.4M

Loan-to-Deposit Ratio

82.42%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

-1.43%

Deposit Growth (YoY)

+0.17%

Net Income

$7.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Farmers Bank of WillardsHQ	7484 Market St	Willards	MD	21
The Farmers Bank of Willards	28660 Dupont Blvd	Millsboro	DE	11
The Farmers Bank of Willards	8700 Coastal Highway	Ocean City	MD	11
The Farmers Bank of Willards	9701 Stephen Decatur Hwy	Ocean City	MD	11
The Farmers Bank of Willards	102 Milford St	Salisbury	MD	11
The Farmers Bank of Willards	Tilghman Road	Salisbury	MD	11
The Farmers Bank of Willards	1150 Parsons Rd	Salisbury	MD	11
The Farmers Bank of Willards	7233 Main St	Willards	MD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.