$393M
+4.9%y/y
Percentile by value60th percentileby value
FDIC
LNLSGRFB
The Farmers Bank of Willards
Willards, MarylandFDIC Cert #5885
STATEEstablished 19258 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $51M |
| Investor CRE | $28.6M |
| Multifamily | $9.25M |
| Construction | $44M |
| 1–4 family | $214M |
| C&I | $24.7M |
| Agriculture | $11.1M |
| Other | $10.2M |
Loan book
Reported balances and balance-sheet intensity.
$388M
+5.0%y/y
Percentile by value60th percentileby value
FDIC
LNLSNET+4.95%
+548.8%y/y
Percentile by value46th percentileby value
FDIC
LNLSNET83.9%
+6.4%y/y
Percentile by value58th percentileby value
FDIC
LNLSNET + DEP72.3%
+9.8%y/y
Percentile by value59th percentileby value
FDIC
LNLSNET + ASSET94.98%
+2.3%y/y
Percentile by value80th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
120%
+7.2%y/y
Percentile by value36th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC65%
+14.0%y/y
Percentile by value74th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,377points
+2.2%y/y
Peer standing14th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.98%
−5.7%y/y
Percentile by value54th percentileby value
FDIC
LNRENROW + LNLSGR7.29%
+4.9%y/y
Percentile by value26th percentileby value
FDIC
LNRENROT + LNLSGR6.30%
−14.1%y/y
Percentile by value29th percentileby value
FDIC
LNCI + LNLSGR