Our Bank is not considered a public company and its stock is not traded on any exchange.  If you want your name added to either the buyer or seller list, please contact the stock processing department (Natalie Binder at 410-219-2535 or  If you would like to review the list, click here.

Annual financial statements are mailed to all shareholders of record. If you would like an annual report, please contact our CFO at 410-219-2535. If you would like interim financial information, you can obtain a copy of the Bank’s quarterly call report from the FFIEC website. Once at their website, (please note you are leaving the Farmers Bank of Willards site once clicking), find the FFIEC reports. Follow the instructions provided by the FFIEC. It is the easiest to find the financial information for our bank by selecting the Reports of Condition and Income (Call) and Thrift Financial Reports (TFR) and accessing the bank using the unique identifier of FDIC certificate number. Our number is 5885.


The Farmers Bank of Willards intends to hold its Annual Stockholder Meeting on Thursday, April 25, 2024 at 10:00 am at the Willards Lions Club on the corner of Main Street and Hearn Street in Willards, MD.

The Farmers Bank of Willards has met all my business needs along with great personal customer service that is hard to find in today’s banking world. The personal touch is important to me.

-Eastern Shore Water

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