The Farmers Bank of Willards: how it compares with its peers
Against 14 MD banks with half to twice its assets, The Farmers Bank of Willards's strongest measure in Q2 2026 is efficiency ratio (59.13% vs. a 63.92% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $7.3M).
| Measure | The Farmers Bank of Willards | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 0.99% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 3.72% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.13% | 63.92% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $7.3M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.02% | 85.40% | Context |
What it means for lending operations
Its efficiency ratio of 59.13% is better than the 63.92% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Arundel Bank Glen Burnie, MD · $492M
- Woodsboro Bank Woodsboro, MD · $483M
- Bank of Ocean City Ocean City, MD · $695M
- The Bank of Glen Burnie Glen Burnie, MD · $395M
- The Harbor Bank of Maryland Baltimore, MD · $383M
- First Shore Federal Savings and Loan Association Salisbury, MD · $367M
Questions about The Farmers Bank of Willards
How big is The Farmers Bank of Willards?
The Farmers Bank of Willards, established in 1925, is headquartered in Willards, MD. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The Farmers Bank of Willards's return on assets?
1.35% annualized in Q2 2026, against a 0.99% median for 14 MD banks with half to twice its assets, ahead of 71% of them.
What is The Farmers Bank of Willards's efficiency ratio?
59.13% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 63.92%, and lower is better.
Is The Farmers Bank of Willards growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.