# FARMERS BANK OF WILLARDS
WILLARDS, MD · FDIC certificate 5885 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $547.6M | |
| Deposits | $472.6M | |
| Loans and leases | $396.8M | |
| Total equity | $64.1M | |
| Loans / deposits | 83.02% (p53 of band) | 82.04% |
| Liquid assets / assets | 23.84% (p47 of band) | |
| Uninsured deposits / deposits | 14.30% (p11 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p35 of band) | |
| FHLB advances / assets | 1.10% | |
| Tier 1 leverage | 12.13% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -13.79% (p34 of band) | -8.10% |
| AOCI / equity | -0.45% (p44 of band) | |
| ROA (annualized) | 1.35% (p54 of band) | 1.28% |
| Net interest margin | 4.44% (p79 of band) | 3.91% |
| Efficiency ratio | 59.13% (p43 of band) | |
| Noncurrent loans | 0.70% (p63 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p82 of band) | |
| Reserve coverage of noncurrent | 161.90% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 61.12% (p65 of band) | |
| Auto loans | $1.1M (0.28% of loans; DQ 3.25%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 76 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling, noncurrent p90 | liquid assets <10% |
| 2012-03 | 2 |  | loans exceed deposits, capital falling, noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | noncurrent p90 |  |
| 2012-12 | 6 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 4 |  | loans exceed deposits, uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 6 | loans exceed deposits, assets shrinking |  |
| 2013-12 | 7 | liquid assets <10% |  |
| 2014-03 | 6 |  | assets shrinking |
| 2014-06 | 7 | uninsured deposits leaving |  |
| 2014-09 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2014-12 | 5 |  |  |
| 2015-03 | 6 | uninsured deposits leaving |  |
| 2015-06 | 6 |  |  |
| 2015-09 | 4 |  | liquid assets <10%, uninsured deposits leaving |
| 2015-12 | 5 | liquid assets <10% |  |
| 2016-03 | 3 |  | charge-offs p90, noncurrent p90 |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 3 |  | liquid assets <10% |
| 2016-12 | 4 | liquid assets <10%, capital falling | reserve under noncurrent |
| 2017-03 | 2 |  | charge-offs p90, capital falling |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | reserve under noncurrent | capital falling |
| 2018-06 | 2 |  | liquid assets <10%, reserve under noncurrent |
| 2018-09 | 4 | capital falling, reserve under noncurrent |  |
| 2018-12 | 5 | liquid assets <10% |  |
| 2019-03 | 3 |  | charge-offs p90, capital falling |
| 2019-06 | 3 | charge-offs p90 | liquid assets <10% |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 0 |  | loans exceed deposits, reserve under noncurrent, charge-offs p90 |
| 2020-09 | 1 | charge-offs p90 |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 | capital falling | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 0 |  | uninsured deposits leaving, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-13 [Over 100 Years of Business: We're Learning More About The Farmers Bank of Willards | Delmarvalife - wboc.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPMDFzdGNKQU5Md2VRZS1qVVFzWS1sMEwxUU5Qa1oyRGc3UGNfend4bHV4dGd5bW9rZ195WjRFUmtlT1g0cFRUZ3U1MWEtd203STBPMDdhTmV4OXRmWHAtUVVrSzdBMzl4LXE5UkRaVElfd0I2Q3A2Mlp1dGVQTHUwTlRXc2VPSHcwd0ZkME4wY3JUWFhrVER5MFhvWUtQdWVhWFpsYldadWZ0a2l2Qm1BcXRHWHRRdS1Sb1cwN2RzaVJzXzRQNHNmZm9MQ2M3QWdkdVJHVW9ZY3Z3N09uRm9mWHNWX2NtU3dUOFRlS1NhWmx6cmwyOWFKQ2VqN0s?oc=5) · wboc.com
- 2026-04-19 [Shore United Bank welcomes Bill Turner as VP, relationship manager - Cape Gazette](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORVZmVkJaaFNrMks3eWp2MVBCRU5fMDlMQXdrVGJhQkxoWW9uYkJCSVR4WkVEYi00TXFNZ3V6clBsWFR3Nm9YdzVSS0ZtbWtvWHJrdkpyLW1LSVlKWncyc3NLZVdIal9OUE1HbzdUU2llWUJiRUROamlhU3NmMEx2Tm8ycEU0bmdCaTFrckFxQ1J1aEtuRDcxcEZlVDRqTW9qRktsMGx0TmI?oc=5) · Cape Gazette
- 2025-11-11 [The Farmers Bank of Willards is Dedicated in their Cause to Keep the Community Strong - wboc.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQSTlnTHpnTkRCUVJIRTJYNm00bEN1WTlURWozb1g4alFYZGF1cmVlLUtxZXF3UENXcDk4NC1XNDRqZFFmVGN5bFQ2NC1MbUJkVG5zMThYNWh4SV9wQVhiZ1pLT0YtbnFtWkRnREkwLURXaEdabHRJbjZDOEpsQk52c0x3TTBLdFl1WUhkZThyajA5dC1RTXkwNEpLU19OOEVfSG11bEN3Ym05eElBN2k4eHl5MWhFQ2l6d001cktVRWFrLWdBR2JZVlZiM21fWW1JR1FOYlNkWjhqUko0UHcxeU9Yc3pwVnVwbWdPTEV3NUV2MHpkSnZ1R1VrbUcxQ0FqbTdz?oc=5) · wboc.com
- 2025-09-19 [Bill Turner Appointed to Wor-Wic Board; Anna Newton Reappointed - Eastern Shore Undercover](https://news.google.com/rss/articles/CBMiswFBVV95cUxOWS1mN3dBR1BEZlNSTjA1by10VEtBN2xZalh5aFZuSzhmTUUyZUxLcU9VLWlBamhUWmU3WThpQ1l4NHB0VnhzY0JJOXpxY3RJODdXcDlzTXB6NXF3elUxMVlENTYxVzBtcUJrQlZBYnNxTGdQYk5aU2U0N2t4WEpHblV4ckJpenJqcXZ4Uks1aVhyV3ZxTGhzbl81QnJ5YzIzM2JGQ3I0UWQtSkt0ZzNDU3pwSQ?oc=5) · Eastern Shore Undercover
- 2024-04-26 [Farmers Bank of Willards Announces President and CEO Retirement and Succession Plan - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQU1pWempTeFZHMzNnbkFnaWlsWkdvdjNITU0xMG1yeVNBbjZtT3B4WGJGaEM1My1rUVR4eVI2ODBhaEZHOHVraXFKQ01LT1lqTHhOMXNvR2x1Mk9XTEpoXzVwMmlielJadmJFdGQ0SUh5NmJDdERUV0lYd3BqYXJSckMycTFGSktOTk5jeWZhaE5jTlgzeGdiV0tfRUgyYk1CTVZzeEJZanludUNEaTBVUnZpQ0NFRVpFcWNYai1YS19xc0J2MWNhaC1rMWVXT2w5UXV5LXVyWFhGZ21idUFUTFlpQ2c?oc=5) · ACCESS Newswire
- 2021-02-22 [The Farmers Bank of Willards (MD) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWlZqc2xqYm5rUlJuSk1DNkVZd0hrLU9fR0JpRHdpNEMyd2lhSGdzcV92aFNSSkRVZnZrZ09pNWpST01fZUc1czRxbEhwRWJ1WkR6SENEbG5UXzNrMEp6UWhIYmtWR01UOTFNcTNOYU44ekZMMFE1RFRJdDY3T3FOOXBDNnI2S1VIR0hFSzJNYTNqUQ?oc=5) · SmartAsset
- 2016-07-29 [UPDATE: Lightning strike ruled official cause of Farmers Bank of Willards fire - WMDT](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNQjcta29zWVlXVHVEWm9iX1BCWllCcWZJcWZFWjR0ZlNBTUo3Q0hDT0tXbG9ReFJKMjZIaWg5QkJiYVVlbkFuSnJfT3BwbkhCSHBqTFFqSWlvQW9oTDl2Ym9tTXJpTHBjSFpVVVY2SEttVEtRVHQ2MW1VZWF4bU1GaFFOSWFFellQOV9jd09ycVkySEpxUHFPN0xuTDFzNHFKZHhuLWgyTDlkS3c?oc=5) · WMDT
- 2025-08-29 [Gloria Mae Wainright Obituary - The Daily Times - DelmarvaNow.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE16TUtiY0s3dkRkdUw4ODVFU3FudmxpMEV6djFPd0lmUkFOcWlRUjMwLUF0eWlPN1psRlJlQ08zUmdBbUJRSmRpQ244bks0Y084WlU3Slp5WW81X3NSWERJ?oc=5) · DelmarvaNow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5885 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "5885", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide