C
The Farmers Bank of Willards
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers Bank of Willards
Willards, MD
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Rating C
Asset Quality Index 8.40
Capitalization Index 7.70
Liquidity Index 2.00
Profitability Index 5.60
Stability Index 5.00
Company Info The Farmers Bank of Willards
Willards, MD
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FDIC Number 5885
Phone Number (410) 835-8906
Website www.fbwbank.com
Asset Quality The Farmers Bank of Willards
Willards, MD
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1-Year Asset Growth -0.23%
5-Year Asset Growth 8.79%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.42%
Non-Performing Loans to Capital 0.74%
Non-Performing Loans to Loans 0.14%
Balance Sheet The Farmers Bank of Willards
Willards, MD
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Total Assets 561.56M
Total Deposits 469.25M
Capital and Reserves The Farmers Bank of Willards
Willards, MD
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Capital 58.43M
Leverage Ratio 10.52
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 18.57
Liquidity The Farmers Bank of Willards
Willards, MD
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Hot Money Ratio 15.67%
Liquidity Ratio 21.22%
Profitability The Farmers Bank of Willards
Willards, MD
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5-Year Return on Average Assets 0.95%
Net Income 1.57M
Net Interest Spread 3.90%
Operating Profit to Average Assets 1.48%
Overhead Efficiency Ratio 62.18%
Return on Assets 1.11%
Return on Equity 10.95%