About Us


At the Farmers Bank of Willards, we strive daily for every customer to receive an
extraordinary service experience, in a family oriented environment, with people
who truly care about what they do.

Since 1925, the Farmers Bank of Willards has been dedicated to providing the
utmost quality customer service – a true family banking experience with a qualified
and helpful staff who sincerely cares about our customers…. and listens to them.

Despite numerous banking mergers and acquisitions over the past several decades,
the Directors of the Farmers Bank are committed to continue as a prominent,
independent financial institution on Maryland’s Delmarva Peninsula. Our bank
remains today under the same local ownership as when it opened its doors in
1925 in Willards, MD.

So what makes a community bank so different from big national and international mega
banks, you might ask? One of the biggest reasons is that we have local control over our
lending practices and the types of products and services we offer; and we’ve always
established our loan and deposit services to help meet the needs of the local communities
and our valued customers. With the Farmers Bank, customers come first, and as a smaller
local bank, we feel fortunate to have the freedom to be flexible, responsive, and
innovative. The banking industry is fast changing, but one thing about us will never
change, and that’s our commitment to our loyal customers.

As an independent bank, we also know that our future depends on the growth and vitality
of each community we serve. From Salisbury to Ocean City and surrounding areas, we
stand ready to meet our customers’ needs. In our everyday routine, we work with our
customers to help develop business plans and ideas that will aid their profitability and
success. We freely offer our resources and expertise to all our deserving customers. At
the Farmers Bank, we continually seek ways to better our communities and its people.
From local Little Leagues and Fire Companies, to helping many worthy charities, we
gladly give back to the communities that give so much to us. We are pleased to support
economic development initiatives, higher education opportunities, and many community
development and quality-of-life projects and organizations.

The Farmers Bank has now grown to eight branches in Wicomico and Worcester
counties. While we have not become a “mega” bank, we continue to grow and change
with the times. However, we are committed to retain the same spirit today that’s made us
the local’s choice since 1925. That spirit is shared and practiced daily by a team of very
dedicated staff. Our commitment to excellence means that we commit each day to
maintain the highest level of personal customer service as well as continue to offer our
customers new services such as internet and mobile banking and totally free checking on
both their business and personal accounts. We are extremely proud to be a leader among
independent community banks as we embrace the challenge of providing great
leadership, strength, and extraordinary and friendly service to all our past, present and
future customers.

Respectfully yours,
Christopher F. Davis
The Farmers Bank of Willards