Bank · FDIC insured
Farmers Bank of Willards
A $547.6M bank headquartered in Willards, MD, with 7 branches in 2 states. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs803.75%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers Bank of Willards
Farmers Bank of Willards is an independently and locally owned community bank founded in 1925, serving Wicomico, Worcester, and Sussex Counties.
It operates branch locations across the Delmarva Peninsula in Willards, Salisbury, Ocean City, and West Ocean City, Maryland, as well as Delmar and Millsboro, Delaware.
- Headquarters
- 7484 Market St, Willards, MD 21874
- FDIC certificate
- 5885 ↗
Branches
7 branches in 2 states
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Maryland
6 branches
Salisbury area · 4
- Milford Street Branch102 Milford St, Salisbury, MD 21804Directions
- Pemberton Branch1150 Parsons Rd, Salisbury, MD 21801Directions
- Salisbury BranchTilghman Road, Salisbury, MD 21801Directions
- Willards Branch7233 Main St, Willards, MD 21874Directions
Ocean Pines area · 2
- 611 Branch9701 Stephen Decatur Hwy, Ocean City, MD 21842Directions
- 87th Street O.C. Branch8700 Coastal Highway, Ocean City, MD 21842Directions
Delaware
1 branch
- Millsboro Branch28660 Dupont Blvd, Millsboro, DE 19966Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.70% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.35% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio12.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.35%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers Bank of Willards are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.