The Farmers Bank of Willards
Willards, MD
IDRSSD: 105026
Total Assets
$552.60M
Latest filing
Total Deposits
$468.30M
Latest filing
Net Interest Margin
4.45%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers Bank of Willards
7484 Market St
Willards, MD 21874
Limited Service - Administrative
Updated 01/30/2026Established 01/03/1925FDIC Certificate 4017
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Farmers Bank of Willards (Main) | 7484 Market St | Willards, MD |
| WILLARDS BRANCH | 7233 Main St | Willards, MD |
| SALISBURY BRANCH | Tilghman Road | Salisbury, MD |
| PEMBERTON BRANCH | 1150 Parsons Rd | Salisbury, MD |
| MILFORD STREET BRANCH | 102 Milford St | Salisbury, MD |
| 611 BRANCH | 9701 Stephen Decatur Hwy | Ocean City, MD |
| MILLSBORO BRANCH | 28660 Dupont Blvd | Millsboro, DE |
| 87TH STREET O.C. BRANCH | 8700 Coastal Highway | Ocean City, MD |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/03/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21874 |
| State and County Number | 24045 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Salisbury, MD-DE |
Operational Info
| Number of Employees | 73 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fbwbank.com |
| Data Updated | 01/30/2026 |
| CERT | 5885 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $552.60M |
| Total Deposits | $468.30M |
| Total Liabilities | $491.23M |
| Total Equity Capital | $61.37M |
| Net Income | $1.81M |
| Net Loans and Leases | $385.97M |
| Assets Per Employee ($Millions) | $7.47M |
| Bank Premises and Fixed Assets | $11.59M |
| Cash and Balances due from Depository Institutions | $32.33M |
| Deposits Held in Domestic Offices | $468.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 11.77% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 59.66% |
| Tier 1 Risk-Based Capital Ratio | 17.955% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.106% |
| Earning Assets to total Assets | 94.51% |
Income and Expense
| Total Interest Income | $7.46M |
| Total Noninterest Income | $621.00k |
| Total Interest Expense | $1.66M |
| Total Noninterest Expense | $3.83M |
| Net Interest Income | $5.80M |
| Pre-tax Net Operating Income | $2.44M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.27M |
| Other borrowed funds | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.93M |
| Total Liabilities and Capital | $552.60M |
Securities
| Securities | $99.28M |
| Available-for-sale debt securities | $50.78M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $48.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers Bank of Willards?
$552.60M as of the latest filing.
How much are The Farmers Bank of Willards's total deposits?
$468.30M in total deposits.
Where is The Farmers Bank of Willards located?
Willards, MD.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
8.
When was it established?
01/03/1925.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$385.97M (latest filing).
What is the total interest income (latest filing)?
$7.46M.