The Farmers Bank of Willards

Willards, MarylandFDIC Cert #5885

STATEEstablished 19258 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %

1.04%

+90.9%y/y

Peer standing25th percentile

FDICP3ASSET + LNLSGR

90+ %

0.33%

Peer standing9th percentile

FDICP9ASSET + LNLSGR

Nonaccrual %

0.28%

+127.0%y/y

Peer standing53rd percentile

FDICNAASSET + LNLSGR

Noncurrent %

0.61%

+389.9%y/y

Peer standing40th percentile

FDICP9ASSET + NAASSET + LNLSGR

NPA/assets

0.69%

+69.7%y/y

Peer standing30th percentile

FDICP9ASSET + NAASSET + ORE + ASSET

NPA

$3.68M

+62.2%y/y

Peer standing28th percentile

FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate

0.21%

+176.4%y/y

Peer standing10th percentile

FDICNTLNLS + LNLSGR

NCO

$204K

+183.3%y/y

Peer standing9th percentile

FDICNTLNLS + DRLNLS + CRLNLS

ACL/loans

1.11%

−2.0%y/y

Percentile by value38th percentileby value

FDICLNATRES + LNLSGR

30–89

$4.1M

+100.3%y/y

Peer standing22nd percentile

FDICP3ASSET

90+

$1.29M

Peer standing7th percentile

FDICP9ASSET

Nonaccrual

$1.12M

+138.2%y/y

Peer standing51st percentile

FDICNAASSET