BlastPoint's Banking Scorecard
The Farmers Bank of Willards
Community
Specialty: Commercial
MD
FDIC cert 5885
Willards, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
The Farmers Bank of Willards faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 30% in Community
- - Flatlined Growth: Bottom 36% in Community
- - Liquidity Overhang: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$552.6M
-1.4% YoY
+0.2% QoQ
|
-$838.9M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$386.0M
+4.7% YoY
+1.2% QoQ
|
-$589.5M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$468.3M
+0.2% YoY
+1.0% QoQ
|
-$696.3M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.27%
+15.5% YoY
+1.1% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
4.25%
+8.1% YoY
+1.5% QoQ
|
+0.59% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
59.95%
-4.8% YoY
-0.2% QoQ
|
-2.68% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.39%
+234.0% YoY
+214.0% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
82.42%
+4.6% YoY
+0.1% QoQ
|
-0.64% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
32.02%
+5.8% YoY
-4.4% QoQ
|
+10.98% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.51%
+11.3% YoY
+46.5% QoQ
|
+0.01% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
17.95%
+6.0% YoY
+0.9% QoQ
|
+7.71% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.47%
+24.8% YoY
+31.0% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#196 of 642 · Bottom 30% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#88 of 245 · Bottom 36% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.27%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#113 of 268 · Bottom 42% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.95%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
82.42%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 17.95% · Tier avg: 10.24%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.02% · Tier avg: 21.05%
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
57
57th pctile
Efficiency Ratio
Current: 59.95% · Tier avg: 62.63%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.42% · Tier avg: 83.06%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
13
13th pctile
Total Loans
Current: $386.0M · Tier avg: $975.5M
8
8th pctile
Total Deposits
Current: $468.3M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $552.6M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $552.6M · Tier avg: $1.4B
8
8th pctile
Total Deposits
Current: $468.3M · Tier avg: $1.2B
13
13th pctile
Total Loans
Current: $386.0M · Tier avg: $975.5M
38
38th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.50%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.42% · Tier avg: 83.06%
57
57th pctile
Efficiency Ratio
Current: 59.95% · Tier avg: 62.63%
61
61th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.02% · Tier avg: 21.05%
89
89th pctile
Tier 1 Capital Ratio
Current: 17.95% · Tier avg: 10.24%