C
The Farmers Bank of Willards
Rating Date
August 2026
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 7.60
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 6.70
Stability Index 4.30
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 -0.31%
5-Year Asset Growth 4.81%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 4.27%
Non-Performing Loans to Loans 0.42%
Balance Sheet The Farmers Bank of Willards
Willards, MD
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Total Assets 547.65M
Total Deposits 472.57M
Capital and Reserves The Farmers Bank of Willards
Willards, MD
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Capital 64.14M
Leverage Ratio 12.13
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 20.12
Liquidity The Farmers Bank of Willards
Willards, MD
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Hot Money Ratio 17.68%
Liquidity Ratio 16.70%
Profitability The Farmers Bank of Willards
Willards, MD
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5-Year Return on Average Assets 1.02%
Net Income 3.68M
Net Interest Spread 4.43%
Operating Profit to Average Assets 1.84%
Overhead Efficiency Ratio 59.13%
Return on Assets 1.37%
Return on Equity 11.72%