Total Assets
$553M
Total balance-sheet footings
FDIC Cert #5885 · Willards, Maryland · Est. 1925
The Farmers Bank of Willards - FDIC Bank Health Profile
A community-scale look at The Farmers Bank of Willards's own numbers, pulled straight from its quarterly FDIC Call Report.
- $553M
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 18.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers Bank of Willards earns a PlainBankData health grade of A (92/100), with well-capitalized at 17.95% Tier 1, profitable at 1.27% ROA, efficient (60% cost ratio).
- #1,673
- largest of 4,313 FDIC banks by assets
- 61st
- percentile by asset size, nationally
- 17.95%
- Tier 1 ratio - above the 10% well-capitalized line
- 62nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Farmers Bank of Willards's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers Bank of Willards's composite health score
Tier 1 Capital Ratio (17.95%) 40/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (2.31%) 20/20
Efficiency Ratio (59.95%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$468M
Customer-funded liabilities
Net Loans
$386M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers Bank of Willards ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers Bank of Willards's score of 92/100 falls in the highlighted band.
The Farmers Bank of Willards's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Farmers Bank of Willards's $553M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.95%
Texas Ratio
2.31%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
11.83%
Efficiency Ratio
59.95%
What the numbers say about The Farmers Bank of Willards
The Farmers Bank of Willards is an FDIC-insured institution (Certificate #5885) headquartered in Willards, Maryland, established in 1925. It holds $553M in total assets - 1,673rd of 4,313 FDIC-insured banks, $468M in customer deposits, and $386M in net loans. Capital-wise, the Tier 1 ratio sits at 17.95%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.31%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Farmers Bank of Willards sits 17th of 28 banks headquartered in Maryland by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers Bank of Willards reports a Texas Ratio of 2.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers Bank of Willards (FDIC Cert #5885) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
Frequently asked questions
What is The Farmers Bank of Willards's health grade?▼
The Farmers Bank of Willards receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Farmers Bank of Willards?▼
The Farmers Bank of Willards holds $553M in total assets and $468M in deposits, ranking 1,673rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Willards, Maryland.
Is my money safe at The Farmers Bank of Willards?▼
Yes, deposits at The Farmers Bank of Willards (Certificate #5885) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers Bank of Willards's Tier 1 Capital Ratio?▼
The Farmers Bank of Willards has a Tier 1 Capital Ratio of 17.95%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Farmers Bank of Willards?▼
The Farmers Bank of Willards has a Texas Ratio of 2.31%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Farmers Bank of Willards?▼
The Farmers Bank of Willards has an Efficiency Ratio of 59.95%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers Bank of Willards's profile as a depositor or analyst.
- The Farmers Bank of Willards's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers Bank of Willards against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.