Is My Money Safe at Farmers Bank of Willards?
Farmers Bank of Willards (FDIC cert #5885) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Farmers Bank of Willards carries a Bank Health Score of 96/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (72/100).
This page answers a common banking-safety question: Is My Money Safe at Farmers Bank of Willards?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Farmers Bank of Willards protected?
Farmers Bank of Willards is FDIC-insured under certificate #5885. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Farmers Bank of Willards is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Farmers Bank of Willards carries a Bank Health Score of 96/100 (grade A). Its Tier 1 capital ratio of 16.74% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.74% | 100/100 |
| Nonperforming Loan Ratio | 0.17% | 97/100 |
| Liquidity Ratio | 29.37% | 97/100 |
| Return on Assets | 1.30% | 72/100 |
| Total Assets | $0.6B | |
How does Farmers Bank of Willards compare?
With a Bank Health Score of 96/100, Farmers Bank of Willards sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Maryland, where 28 FDIC-insured banks are headquartered, Farmers Bank of Willards ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 16.74% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.17% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Farmers Bank of Willards's Bank Health Score improved by 1.0 points to 96/100. Tier 1 capital strengthened by 0.85 percentage points to 16.74%.
Frequently Asked Questions
Farmers Bank of Willards (FDIC cert #5885) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Farmers Bank of Willards carries a Bank Health Score of 96/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (72/100).
Yes. Farmers Bank of Willards (FDIC certificate #5885) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Farmers Bank of Willards's Bank Health Score of 96/100 is 27.0 points above the Maryland state average of 69/100. 28 FDIC-insured banks are headquartered in Maryland.
More about Farmers Bank of Willards
Farmers Bank of Willards (FDIC cert #5885) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Farmers Bank of Willards carries a Bank Health Score of 96/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (72/100).