BlastPoint's Banking Scorecard

The Farmers Bank of Willards

$100M-$1B Specialty: Commercial MD FDIC cert 5885

Willards, MD

8 branches across MD · DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
Deposits +2.5% year over year ($472.6M on the books).
Delinquency rate 0.71%.
Return on assets 1.35%.
Efficiency ratio 59.13% vs a 64.48% peer average.
Loan-to-deposit ratio 83.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 16 in MD

View $100M-$1B leaderboard (MD) →

The Farmers Bank of Willards has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 5.35% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 38.5% in tier

Get updates when The Farmers Bank of Willards releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$547.6M -0.3% YoY +2.0% QoQ	+$161.1M	$386.6M +1.2% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$392.3M +5.3% YoY +1.0% QoQ	+$134.0M	$258.3M +1.7% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$472.6M +2.5% YoY +2.0% QoQ	+$145.8M	$326.7M +0.7% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.35% +17.2% YoY +4.0% QoQ	+0.03%	1.32% +10.8% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	4.44% +8.1% YoY +0.6% QoQ	+0.45%	3.99% +5.0% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	59.13% -4.4% YoY -1.2% QoQ	-5.35%	64.48% -3.2% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	0.71% +740.3% YoY +13.7% QoQ	-0.21%	0.92% +15.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	83.02% +2.7% YoY -1.0% QoQ	+5.07%	77.95% +1.0% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	33.56% +4.3% YoY +2.4% QoQ	+11.53%	22.03% -0.6% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	Top 11.4% in tier
Nonperforming Asset Ratio ?	0.76% +104.9% YoY +10.3% QoQ	+0.09%	0.67% +16.4% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	18.87% +6.2% YoY +2.3% QoQ	+2.96%	15.91% +1.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.26% +15.8% YoY +107.9% QoQ	-0.30%	0.57% +7.6% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	33.6% +1.4pp YoY +0.8pp QoQ	+11.4pp	22.1%	21.3%	22.2%	88%
Brokered Deposits	n/a	n/a	7.9%	10.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	6.3% -1.1pp YoY -0.1pp QoQ	-5.3pp	11.6%	8.9%	12.5%	27%
CRE	32.7% -0.6pp YoY -1.5pp QoQ	-6.9pp	39.5%	50.0%	41.4%	40%
1-4 Family	57.0% +2.6pp YoY +2.0pp QoQ	+24.4pp	32.6%	37.9%	31.3%	88%
Consumer	2.2% -0.5pp YoY 0.0pp QoQ	-2.0pp	4.1%	3.2%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	18.9% +1.1pp YoY +0.4pp QoQ	0.0pp	18.8%	16.4%	19.7%	73%
Leverage Ratio	12.1% +1.0pp YoY +0.3pp QoQ	0.0pp	12.2%	13.0%	12.6%	66%
Total Capital Ratio	20.1% +1.1pp YoY +0.4pp QoQ	+0.2pp	19.9%	17.5%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	76 -1 (-1.3%) YoY +1 (+1.3%) QoQ	+17	58	170	482	75%
Assets per Employee ($)	$7.2M +1.0% YoY +0.7% QoQ	-$312K	$7.5M	$9.4M	$8.8M	56%
Branch Count	8 0 YoY 0 QoQ	+3	4	9	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp QoQ	+0.1pp	0.3%	0.2%	0.4%	78%
Nonaccrual	0.3% +0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.1%	1.0%	40%
Allowance Coverage	1.62x -88.4% YoY -10.3% QoQ	-22.53x	24.15x	46.66x	20.23x	41%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	11.7% +0.7pp YoY +0.3pp QoQ	-0.5pp	12.2%	8.0%	11.6%	48%
Cost of Funds (YTD)	1.1% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.9%	1.7%	14%
Net Income ($, YTD)	$3.7M +14.8% YoY — QoQ	+$1.1M	$2.6M	$8.4M	$40.4M	77%

Get Full Access to The Farmers Bank of Willards

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#287 of 742 • Bottom 38.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.87%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 83.02%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

302

Non-Interest-Bearing Deposit Share

funding

Value: 33.56%

Peer Median: 22.03%

#302 of 2643 Top 11.4% in $100M-$1B

433

Tier 1 Capital Ratio

capital

Value: 18.87%

Peer Median: 15.91%

#433 of 2643 Top 16.3% in $100M-$1B

567

Total Loans

size

Value: $392.34M

Peer Median: $258.35M

#567 of 2643 Top 21.4% in $100M-$1B

607

Total Deposits

size

Value: $472.57M

Peer Median: $326.73M

#607 of 2643 Top 22.9% in $100M-$1B

611

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.99%

#611 of 2643 Top 23.1% in $100M-$1B

636

Total Assets

size

Value: $547.65M

Peer Median: $386.57M

#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available