CRA Public File | Farmers Bank of Willards

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THE FARMERS BANK OF WILLARDS
Community Reinvestment Act Statement

Delineation of Our Local Community

The Farmers Bank of Willards generally serves customers throughout Wicomico, Worcester & Sussex counties in Maryland and Delaware. Although we may extend credit from time to time to borrowers outside this area, it is our priority to serve the credit needs of those within our community.

Type of Credit We Extend Within Our Local Community

The bank offers various loan products to serve both personal and business credit needs. We extend credit for real estate loans for 1-4 family residential dwellings, residential mortgage loans for dwellings with 5 units or more, small business loans, farm loans, commercial installment, demand and variable loans, consumer installment type loans for vehicles, unsecured and variable rate loans. As a locally owned and managed institution, we pride ourselves on serving our community’s farms and small businesses, as well as its low and moderate income families. We encourage minority and women businesses, farm owners and low and moderate income families to seek fulfillment of their credit needs through The Farmers Bank of Willards. We pledge to accept and evaluate applications from all sources and areas of our community and to extend credit based upon our evaluation, within the guidelines of safe and sound banking practices.

Our Efforts and Record of Meeting Our Community’s Credit Needs

On a regular basis, the directors, officers, and employees of The Farmers Bank of Willards attend community events and pursue comments from the members of our community regarding the credit services we offer. Periodically, the Bank surveys its existing customers and solicits concerns and comments regarding the services we offer. Information regarding the community organizations the Bank is represented in, and the results of our inquiries and surveys of the community is available upon request. At all times, we encourage members of our community to speak personally with a director, officer, or employee of the Bank regarding our credit services.
Currently, the Bank extends credit to our community’s volunteer fire departments, various non-profit organizations, fraternal organizations and churches. As a result of our size, the Bank does not participate in government guaranteed loans or subsidized loan arrangements, although we will assist you, to the extent possible, in securing this type of credit from our correspondent institutions, where it may be available.

CRA Public Disclosure

Public Comments

The Farmers Bank of Willards encourages members of our community to provide us with any comments you may have regarding our meeting your credit needs. We will make available to you the Community Reinvestment Act Statements that we have adopted for the past two years along with all of the written comments we have regarding CRA and our responses to them. Information in the Public CRA Files for our community are available on our company website at www.fbwbank.com. A copy of the public section of the Bank’s most recent CRA Performance Evaluation and a list of services provided by each branch is also available on the company website at www.fbwbank.com.

Any comments should be addressed to:

Community Reinvestment Officer
Farmers Bank of Willards
P.O. Box 10
Willards MD 21874

Home Mortgage Disclosure Act

The Farmers Bank of Willards HMDA disclosure statements may be obtained on the Consumer Financial Protection Bureau’s website at www.consumerfinance.gov/hmda

Miscellaneous Fees and Charges

Account Services Fees

Title	Amount	Frequency
Paid NSF Fee	$30.00	Per Item Paid
Returned NSF Fee	$30.00	Per Item Returned
Deposit Item-Chargeback	$10.00	Per Item
Overdraft Transfer Fee	$5.00	Per $100.00 Transferred
Seasonal Account Fee	$25.00
Early Close Out Fee (within 6 months of account opening)	$25.00
Stop Payment	$28.00	Per Request
Inactive Account Fee	$10.00	One time assessed after 1-year of inactivity
Dormant Account Fee	$50.00	Annually assessed after 2-years of inactivity
Escheated Account Fee (Account considered abandoned and transferred to State control)	$100.00
Foreign Check Processing	$15.00	Per Check (Canadian)
	$20.00	Per Check (Other)
Bill Pay Check Image Copy	$7.50	Per Image
Account Balancing Assistance	$25.00	Per Hour
Account Research	$25.00	Per Hour
Account Activity Printout	$1.00	Per Page
Copy of Statement	$2.00	Per Page
Check Order	Fee depends on style and quantity of checks ordered

Negotiable Instrument Fees

Title	Amount	Frequency
Cashier's Check-Purchase	$5.00	Per Check
Certified Check	$10.00	Per Check

Wire Services Fees

Title	Amount	Frequency
Wire Transfer- Outgoing	$15.00	Per Wire
Wire Transfer- Incoming	$10.00	Per Wire
Foreign Incoming Wire	$10.00	Per Wire
These fees are not all inclusive and are subject to change with or without prior notification

Farmers Bank of Willards Hours of Operation

Main Office - Branch #1

7484 Market Street, PO Box 10, Willards, MD 21874

Lobby Hours:
Monday – Friday 9:00am – 4:00pm

* The lobby is open for administrative needs only and safe deposit box access. Debit Cards may be picked up in the lobby or Drive Thru window.*

Census Tract #0106.04

MSA Code: 41540

Income Tract Level: Middle

Administrative Office

31522 Winterplace Parkway, Salisbury, MD 21804

No Public Hours

Census Tract #0106.03

MSA Code: 41540

Income Tract Level: Middle

Shopper's World - Branch #2

365 Tilghman Road, Salisbury, MD 21804

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #0101.02

MSA Code: 41540

Income Tract Level: Middle

Willards Branch - Branch #3

7233 Main Street, Willards, MD 21874

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #0101.02

MSA Code: 41540

Income Tract Level: Middle

Pemberton - Branch #4

1150 Parsons Road, Salisbury, MD 21801

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #0103.00

MSA Code: 41540

Income Tract Level: Upper

Milford Street - Branch #5

102 Milford Street, Salisbury, MD 21804

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #0105.03

MSA Code: 41540

Income Tract Level: Unknown

87th Street Branch (Midtown Ocean City) - Branch #9

8700 Coastal Highway, Ocean City, MD 21842

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #9501.00

MSA Code: 41540

Income Tract Level: Upper

** NEW BRANCH LOCATION October 2, 2023**

West Ocean City (611) - Branch #10

9701 Stephen Decatur Highway, Ocean City, MD 21842

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #9517.00

MSA Code: NA

Income Tract Level: Upper

*NEW BRANCH LOCATION January 27, 2025*

Millsboro Branch - Branch #31

28660 Dupont Blvd., Millsboro, DE 19966

Lobby Hours:
Monday – Thursday 9:00am-4:00pm ~ Friday 9:00am-6pm

Drive Thru Hours:
Monday – Thursday 8:30am-4:00pm ~ Friday 8:30am-6:00pm ~ Saturday 9:00am-12:00pm

Census Tract #0506.04

MSA Code: NA

Income Tract Level: Middle

CLOSED AND MOVED BRANCHES

West Ocean City (White Marlin Mall) - Branch #6

12641 Ocean Gateway, Ocean City, MD 21842

*BRANCH CLOSED AND MOVED January 27, 2025*

Census Tract #9504.00

MSA Code: 41540

Income Tract Level: Upper

North Ocean City (Montego Bay Shopping Center) - Branch #7

12831 Coastal Highway, Ocean City, MD 21842

**BRANCH CLOSED AND MOVED October 2, 2023**

Census Tract #9503.00

MSA Code: 41540

Income Tract Level: Middle

Talbot Street Branch - Branch #8

200 S. Philadelphia Avenue, Ocean City, MD 21842

**CLOSED INDEFINITELY APRIL 1, 2023**

Census Tract #9500.00

MSA Code: 41540

Tract Income Level: Moderate

2024-2026 Census Tract

Wicomico County

MSA/MD code type	MSA/MD code	State code	County code	Tract	MSA/MD name	State	County name	FIPS code	MSA/MD MFI	Tract MFI	Tract income percentage	Tract income level
MSA	41540	24	045	000300	SALISBURY, MD	MD	WICOMICO COUNTY	24045000300	$68,780.00	$24,063.00	34.98%	Low
MSA	41540	24	045	000100	SALISBURY, MD	MD	WICOMICO COUNTY	24045000100	$68,780.00	$62,826.00	91.34%	Middle
MSA	41540	24	045	000400	SALISBURY, MD	MD	WICOMICO COUNTY	24045000400	$68,780.00	$61,525.00	89.45%	Middle
MSA	41540	24	045	010101	SALISBURY, MD	MD	WICOMICO COUNTY	24045010101	$68,780.00	$67,985.00	98.84%	Middle
MSA	41540	24	045	010102	SALISBURY, MD	MD	WICOMICO COUNTY	24045010102	$68,780.00	$65,625.00	95.41%	Middle
MSA	41540	24	045	010501	SALISBURY, MD	MD	WICOMICO COUNTY	24045010501	$68,780.00	$80,089.00	116.44%	Middle
MSA	41540	24	045	010504	SALISBURY, MD	MD	WICOMICO COUNTY	24045010504	$68,780.00	$58,256.00	84.69%	Middle
MSA	41540	24	045	010603	SALISBURY, MD	MD	WICOMICO COUNTY	24045010603	$68,780.00	$68,380.00	99.41%	Middle
MSA	41540	24	045	010604	SALISBURY, MD	MD	WICOMICO COUNTY	24045010604	$68,780.00	$63,068.00	91.69%	Middle
MSA	41540	24	045	010606	SALISBURY, MD	MD	WICOMICO COUNTY	24045010606	$68,780.00	$63,205.00	91.89%	Middle
MSA	41540	24	045	010701	SALISBURY, MD	MD	WICOMICO COUNTY	24045010701	$68,780.00	$76,944.00	111.86%	Middle
MSA	41540	24	045	010703	SALISBURY, MD	MD	WICOMICO COUNTY	24045010703	$68,780.00	$71,324.00	103.69%	Middle
MSA	41540	24	045	000500	SALISBURY, MD	MD	WICOMICO COUNTY	24045000500	$68,780.00	$37,000.00	53.79%	Moderate
MSA	41540	24	045	010200	SALISBURY, MD	MD	WICOMICO COUNTY	24045010200	$68,780.00	$53,438.00	77.69%	Moderate
MSA	41540	24	045	010503	SALISBURY, MD	MD	WICOMICO COUNTY	24045010503	$68,780.00	$0.00	0.00%	Unknown
MSA	41540	24	045	000200	SALISBURY, MD	MD	WICOMICO COUNTY	24045000200	$68,780.00	$86,250.00	125.39%	Upper
MSA	41540	24	045	010300	SALISBURY, MD	MD	WICOMICO COUNTY	24045010300	$68,780.00	$112,643.00	163.77%	Upper
MSA	41540	24	045	010400	SALISBURY, MD	MD	WICOMICO COUNTY	24045010400	$68,780.00	$102,244.00	148.65%	Upper
MSA	41540	24	045	010605	SALISBURY, MD	MD	WICOMICO COUNTY	24045010605	$68,780.00	$110,536.00	160.70%	Upper
MSA	41540	24	045	010704	SALISBURY, MD	MD	WICOMICO COUNTY	24045010704	$68,780.00	$85,921.00	124.92%	Upper
MSA	41540	24	045	010800	SALISBURY, MD	MD	WICOMICO COUNTY	24045010800	$68,780.00	$93,500.00	135.94%	Upper

Worcester County

MSA/MD code type	MSA/MD code	State code	County code	Tract	MSA/MD name	State	County name	FIPS code	MSA/MD MFI	Tract MFI	Tract income percentage	Tract income level
MSA	41540	24	045	000300	SALISBURY, MD	MD	WICOMICO COUNTY	24045000300	$68,780.00	$24,063.00	34.98%	Low
MSA	41540	24	045	000100	SALISBURY, MD	MD	WICOMICO COUNTY	24045000100	$68,780.00	$62,826.00	91.34%	Middle
MSA	41540	24	045	000400	SALISBURY, MD	MD	WICOMICO COUNTY	24045000400	$68,780.00	$61,525.00	89.45%	Middle
MSA	41540	24	045	010101	SALISBURY, MD	MD	WICOMICO COUNTY	24045010101	$68,780.00	$67,985.00	98.84%	Middle
MSA	41540	24	045	010102	SALISBURY, MD	MD	WICOMICO COUNTY	24045010102	$68,780.00	$65,625.00	95.41%	Middle
MSA	41540	24	045	010501	SALISBURY, MD	MD	WICOMICO COUNTY	24045010501	$68,780.00	$80,089.00	116.44%	Middle
MSA	41540	24	045	010504	SALISBURY, MD	MD	WICOMICO COUNTY	24045010504	$68,780.00	$58,256.00	84.69%	Middle
MSA	41540	24	045	010603	SALISBURY, MD	MD	WICOMICO COUNTY	24045010603	$68,780.00	$68,380.00	99.41%	Middle
MSA	41540	24	045	010604	SALISBURY, MD	MD	WICOMICO COUNTY	24045010604	$68,780.00	$63,068.00	91.69%	Middle
MSA	41540	24	045	010606	SALISBURY, MD	MD	WICOMICO COUNTY	24045010606	$68,780.00	$63,205.00	91.89%	Middle
MSA	41540	24	045	010701	SALISBURY, MD	MD	WICOMICO COUNTY	24045010701	$68,780.00	$76,944.00	111.86%	Middle
MSA	41540	24	045	010703	SALISBURY, MD	MD	WICOMICO COUNTY	24045010703	$68,780.00	$71,324.00	103.69%	Middle
MSA	41540	24	045	000500	SALISBURY, MD	MD	WICOMICO COUNTY	24045000500	$68,780.00	$37,000.00	53.79%	Moderate
MSA	41540	24	045	010200	SALISBURY, MD	MD	WICOMICO COUNTY	24045010200	$68,780.00	$53,438.00	77.69%	Moderate
MSA	41540	24	045	010503	SALISBURY, MD	MD	WICOMICO COUNTY	24045010503	$68,780.00	$0.00	0.00%	Unknown
MSA	41540	24	045	000200	SALISBURY, MD	MD	WICOMICO COUNTY	24045000200	$68,780.00	$86,250.00	125.39%	Upper
MSA	41540	24	045	010300	SALISBURY, MD	MD	WICOMICO COUNTY	24045010300	$68,780.00	$112,643.00	163.77%	Upper
MSA	41540	24	045	010400	SALISBURY, MD	MD	WICOMICO COUNTY	24045010400	$68,780.00	$102,244.00	148.65%	Upper
MSA	41540	24	045	010605	SALISBURY, MD	MD	WICOMICO COUNTY	24045010605	$68,780.00	$110,536.00	160.70%	Upper
MSA	41540	24	045	010704	SALISBURY, MD	MD	WICOMICO COUNTY	24045010704	$68,780.00	$85,921.00	124.92%	Upper
MSA	41540	24	045	010800	SALISBURY, MD	MD	WICOMICO COUNTY	24045010800	$68,780.00	$93,500.00	135.94%	Upper

Sussex County

MSA/MD code type	MSA/MD code	State code	County code	Tract	MSA/MD name	State	County name	FIPS code	MSA/MD MFI	Tract MFI	Tract income percentage	Tract income level
Non-MSA	99999	10	005	050101	N/A	DE	SUSSEX COUNTY	10005050101	$77,499.00	$76,155.00	98.26%	Middle
Non-MSA	99999	10	005	050103	N/A	DE	SUSSEX COUNTY	10005050103	$77,499.00	$83,012.00	107.11%	Middle
Non-MSA	99999	10	005	050105	N/A	DE	SUSSEX COUNTY	10005050105	$77,499.00	$75,881.00	97.91%	Middle
Non-MSA	99999	10	005	050302	N/A	DE	SUSSEX COUNTY	10005050302	$77,499.00	$84,139.00	108.56%	Middle
Non-MSA	99999	10	005	050303	N/A	DE	SUSSEX COUNTY	10005050303	$77,499.00	$74,357.00	95.94%	Middle
Non-MSA	99999	10	005	050401	N/A	DE	SUSSEX COUNTY	10005050401	$77,499.00	$77,656.00	100.20%	Middle
Non-MSA	99999	10	005	050403	N/A	DE	SUSSEX COUNTY	10005050403	$77,499.00	$67,727.00	87.39%	Middle
Non-MSA	99999	10	005	050407	N/A	DE	SUSSEX COUNTY	10005050407	$77,499.00	$70,573.00	91.06%	Middle
Non-MSA	99999	10	005	050408	N/A	DE	SUSSEX COUNTY	10005050408	$77,499.00	$64,318.00	82.99%	Middle
Non-MSA	99999	10	005	050501	N/A	DE	SUSSEX COUNTY	10005050501	$77,499.00	$75,020.00	96.80%	Middle
Non-MSA	99999	10	005	050505	N/A	DE	SUSSEX COUNTY	10005050505	$77,499.00	$67,083.00	86.55%	Middle
Non-MSA	99999	10	005	050506	N/A	DE	SUSSEX COUNTY	10005050506	$77,499.00	$74,896.00	96.64%	Middle
Non-MSA	99999	10	005	050601	N/A	DE	SUSSEX COUNTY	10005050601	$77,499.00	$67,383.00	86.94%	Middle
Non-MSA	99999	10	005	050604	N/A	DE	SUSSEX COUNTY	10005050604	$77,499.00	$72,414.00	93.43%	Middle
Non-MSA	99999	10	005	050701	N/A	DE	SUSSEX COUNTY	10005050701	$77,499.00	$76,505.00	98.71%	Middle
Non-MSA	99999	10	005	050707	N/A	DE	SUSSEX COUNTY	10005050707	$77,499.00	$73,279.00	94.55%	Middle
Non-MSA	99999	10	005	050708	N/A	DE	SUSSEX COUNTY	10005050708	$77,499.00	$63,719.00	82.21%	Middle
Non-MSA	99999	10	005	050801	N/A	DE	SUSSEX COUNTY	10005050801	$77,499.00	$69,558.00	89.75%	Middle
Non-MSA	99999	10	005	050804	N/A	DE	SUSSEX COUNTY	10005050804	$77,499.00	$78,295.00	101.02%	Middle
Non-MSA	99999	10	005	050806	N/A	DE	SUSSEX COUNTY	10005050806	$77,499.00	$81,250.00	104.84%	Middle
Non-MSA	99999	10	005	050807	N/A	DE	SUSSEX COUNTY	10005050807	$77,499.00	$72,500.00	93.54%	Middle
Non-MSA	99999	10	005	050905	N/A	DE	SUSSEX COUNTY	10005050905	$77,499.00	$87,083.00	112.36%	Middle
Non-MSA	99999	10	005	051010	N/A	DE	SUSSEX COUNTY	10005051010	$77,499.00	$72,379.00	93.39%	Middle
Non-MSA	99999	10	005	051012	N/A	DE	SUSSEX COUNTY	10005051012	$77,499.00	$83,983.00	108.36%	Middle
Non-MSA	99999	10	005	051013	N/A	DE	SUSSEX COUNTY	10005051013	$77,499.00	$88,672.00	114.41%	Middle
Non-MSA	99999	10	005	051017	N/A	DE	SUSSEX COUNTY	10005051017	$77,499.00	$75,761.00	97.75%	Middle
Non-MSA	99999	10	005	051302	N/A	DE	SUSSEX COUNTY	10005051302	$77,499.00	$84,261.00	108.72%	Middle
Non-MSA	99999	10	005	051307	N/A	DE	SUSSEX COUNTY	10005051307	$77,499.00	$76,446.00	98.64%	Middle
Non-MSA	99999	10	005	051308	N/A	DE	SUSSEX COUNTY	10005051308	$77,499.00	$78,393.00	101.15%	Middle
Non-MSA	99999	10	005	051313	N/A	DE	SUSSEX COUNTY	10005051313	$77,499.00	$77,875.00	100.48%	Middle
Non-MSA	99999	10	005	051400	N/A	DE	SUSSEX COUNTY	10005051400	$77,499.00	$73,632.00	95.01%	Middle
Non-MSA	99999	10	005	051501	N/A	DE	SUSSEX COUNTY	10005051501	$77,499.00	$89,688.00	115.72%	Middle
Non-MSA	99999	10	005	051502	N/A	DE	SUSSEX COUNTY	10005051502	$77,499.00	$76,111.00	98.20%	Middle
Non-MSA	99999	10	005	051701	N/A	DE	SUSSEX COUNTY	10005051701	$77,499.00	$75,161.00	96.98%	Middle
Non-MSA	99999	10	005	051702	N/A	DE	SUSSEX COUNTY	10005051702	$77,499.00	$67,894.00	87.60%	Middle
Non-MSA	99999	10	005	051801	N/A	DE	SUSSEX COUNTY	10005051801	$77,499.00	$64,879.00	83.71%	Middle
Non-MSA	99999	10	005	051900	N/A	DE	SUSSEX COUNTY	10005051900	$77,499.00	$73,750.00	95.16%	Middle
Non-MSA	99999	10	005	050104	N/A	DE	SUSSEX COUNTY	10005050104	$77,499.00	$50,674.00	65.38%	Moderate
Non-MSA	99999	10	005	050200	N/A	DE	SUSSEX COUNTY	10005050200	$77,499.00	$54,872.00	70.80%	Moderate
Non-MSA	99999	10	005	050304	N/A	DE	SUSSEX COUNTY	10005050304	$77,499.00	$59,643.00	76.95%	Moderate
Non-MSA	99999	10	005	050405	N/A	DE	SUSSEX COUNTY	10005050405	$77,499.00	$54,823.00	70.74%	Moderate
Non-MSA	99999	10	005	050406	N/A	DE	SUSSEX COUNTY	10005050406	$77,499.00	$59,868.00	77.25%	Moderate
Non-MSA	99999	10	005	050503	N/A	DE	SUSSEX COUNTY	10005050503	$77,499.00	$41,808.00	53.94%	Moderate
Non-MSA	99999	10	005	050603	N/A	DE	SUSSEX COUNTY	10005050603	$77,499.00	$60,514.00	78.08%	Moderate
Non-MSA	99999	10	005	050703	N/A	DE	SUSSEX COUNTY	10005050703	$77,499.00	$54,129.00	69.84%	Moderate
Non-MSA	99999	10	005	050711	N/A	DE	SUSSEX COUNTY	10005050711	$77,499.00	$48,986.00	63.20%	Moderate
Non-MSA	99999	10	005	051102	N/A	DE	SUSSEX COUNTY	10005051102	$77,499.00	$52,113.00	67.24%	Moderate
Non-MSA	99999	10	005	051802	N/A	DE	SUSSEX COUNTY	10005051802	$77,499.00	$52,361.00	67.56%	Moderate
Non-MSA	99999	10	005	050710	N/A	DE	SUSSEX COUNTY	10005050710	$77,499.00	$0.00	0.00%	Unknown
Non-MSA	99999	10	005	980000	N/A	DE	SUSSEX COUNTY	10005980000	$77,499.00	$0.00	0.00%	Unknown
Non-MSA	99999	10	005	990000	N/A	DE	SUSSEX COUNTY	10005990000	$77,499.00	$0.00	0.00%	Unknown
Non-MSA	99999	10	005	050706	N/A	DE	SUSSEX COUNTY	10005050706	$77,499.00	$122,821.00	158.48%	Upper
Non-MSA	99999	10	005	050709	N/A	DE	SUSSEX COUNTY	10005050709	$77,499.00	$127,759.00	164.85%	Upper
Non-MSA	99999	10	005	050805	N/A	DE	SUSSEX COUNTY	10005050805	$77,499.00	$103,233.00	133.20%	Upper
Non-MSA	99999	10	005	050808	N/A	DE	SUSSEX COUNTY	10005050808	$77,499.00	$98,333.00	126.88%	Upper
Non-MSA	99999	10	005	050903	N/A	DE	SUSSEX COUNTY	10005050903	$77,499.00	$120,529.00	155.52%	Upper
Non-MSA	99999	10	005	050904	N/A	DE	SUSSEX COUNTY	10005050904	$77,499.00	$109,907.00	141.81%	Upper
Non-MSA	99999	10	005	051008	N/A	DE	SUSSEX COUNTY	10005051008	$77,499.00	$118,990.00	153.53%	Upper
Non-MSA	99999	10	005	051009	N/A	DE	SUSSEX COUNTY	10005051009	$77,499.00	$127,458.00	164.46%	Upper
Non-MSA	99999	10	005	051011	N/A	DE	SUSSEX COUNTY	10005051011	$77,499.00	$113,418.00	146.34%	Upper
Non-MSA	99999	10	005	051014	N/A	DE	SUSSEX COUNTY	10005051014	$77,499.00	$93,464.00	120.60%	Upper
Non-MSA	99999	10	005	051015	N/A	DE	SUSSEX COUNTY	10005051015	$77,499.00	$97,750.00	126.13%	Upper
Non-MSA	99999	10	005	051016	N/A	DE	SUSSEX COUNTY	10005051016	$77,499.00	$121,273.00	156.48%	Upper
Non-MSA	99999	10	005	051101	N/A	DE	SUSSEX COUNTY	10005051101	$77,499.00	$208,958.00	269.62%	Upper
Non-MSA	99999	10	005	051103	N/A	DE	SUSSEX COUNTY	10005051103	$77,499.00	$105,417.00	136.02%	Upper
Non-MSA	99999	10	005	051201	N/A	DE	SUSSEX COUNTY	10005051201	$77,499.00	$98,095.00	126.57%	Upper
Non-MSA	99999	10	005	051202	N/A	DE	SUSSEX COUNTY	10005051202	$77,499.00	$156,875.00	202.42%	Upper
Non-MSA	99999	10	005	051203	N/A	DE	SUSSEX COUNTY	10005051203	$77,499.00	$128,750.00	166.13%	Upper
Non-MSA	99999	10	005	051204	N/A	DE	SUSSEX COUNTY	10005051204	$77,499.00	$94,490.00	121.92%	Upper
Non-MSA	99999	10	005	051205	N/A	DE	SUSSEX COUNTY	10005051205	$77,499.00	$133,958.00	172.85%	Upper
Non-MSA	99999	10	005	051309	N/A	DE	SUSSEX COUNTY	10005051309	$77,499.00	$92,647.00	119.54%	Upper
Non-MSA	99999	10	005	051310	N/A	DE	SUSSEX COUNTY	10005051310	$77,499.00	$106,057.00	136.84%	Upper
Non-MSA	99999	10	005	051311	N/A	DE	SUSSEX COUNTY	10005051311	$77,499.00	$97,841.00	126.24%	Upper
Non-MSA	99999	10	005	051312	N/A	DE	SUSSEX COUNTY	10005051312	$77,499.00	$95,542.00	123.28%	Upper
Non-MSA	99999	10	005	051314	N/A	DE	SUSSEX COUNTY	10005051314	$77,499.00	$108,289.00	139.72%	Upper

Services

The Bank will accept and consider an application from any person, firm or corporation that wishes to submit a written request for credit. No employee of the bank will attempt to discourage a customer or prospective customer from applying for credit.

The Farmers Bank of Willards will continue to strive to offer credit programs that relate to the best interest of our customer and the communities it serves.

CONSUMER LOANS

Secured and unsecured loans for personal, family or household purposes such as:

Automobiles, Trucks, Vans, Recreation Vehicles
Property Improvements
Boats
Other Personal, Family and Household Needs

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COMMERCIAL AND INDUSTRIAL LOANS

Secured and Unsecured for business and professional purposes including loans for:

Wholesalers
Retailers
Farmers
Logging Equipment
Non-profit Organizations

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REAL ESTATE LOANS

Secured loans to individuals and businesses to construct, improve or purchase real estate property and improvements.

Permanent Loans

Owner occupied residential mortgage loans are available for terms up to 30 years.
Income property mortgage loans are available for the financing of small and medium sized commercial income producing property.

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Construction Loans

Loans to build single family residences, condominiums and planned unit developments.
Loans to build office buildings, warehouses and business-oriented properties.

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Homeowner Loans

The Farmers Bank of Willards has been involved in originating and advancing single family residential loans to low-to-moderate-income first-time homebuyer.
The Farmers Bank of Willards regularly provides home loans to qualified borrowers for the purposes of purchasing a home or refinancing a present home.
Mortgage loans are available for the purposes of financing rental properties.
Mortgage loans have been made available to 1st time homeowners.

OTHER CUSTOMER SERVICES

Checking Accounts – no minimum balance
NOW Accounts
Money Market Accounts
Savings Accounts
Certificates of Deposits
IRA’s
Safe Deposit Box rentals
Christmas Clubs
Kid Saver’s Accounts
Certified Checks
Cashier Checks
Visa Debit Cards
E-statements
Cash Advances
Wire Transfers
Voice Access
On-line Banking
Bill Pay Service
Bank by Mail Service
After Hour Depository
Mobile Banking
FDIC Insurance Information
CDAR’s and ICS
After Hours Support
Remote Deposit Capture
ACH Origination
Merchant Services
Sweep Accounts
Student Accounts
FBW Association Connect
Smart Cents

Contact Us

To open a new account or contact us with questions,
please fill out the form below and we will be in touch shortly. Thank you.

THE FARMERS BANK OF WILLARDS Community Reinvestment Act Statement

Delineation of Our Local Community

Type of Credit We Extend Within Our Local Community

Our Efforts and Record of Meeting Our Community’s Credit Needs

CRA Public Disclosure

Public Comments

Home Mortgage Disclosure Act

Miscellaneous Fees and Charges

Account Services Fees

Negotiable Instrument Fees

Wire Services Fees

Farmers Bank of Willards Hours of Operation

Main Office - Branch #1

Administrative Office

Shopper's World - Branch #2

Willards Branch - Branch #3

Pemberton - Branch #4

Milford Street - Branch #5

87th Street Branch (Midtown Ocean City) - Branch #9

West Ocean City (611) - Branch #10

Millsboro Branch - Branch #31

CLOSED AND MOVED BRANCHES

West Ocean City (White Marlin Mall) - Branch #6

North Ocean City (Montego Bay Shopping Center) - Branch #7

Talbot Street Branch - Branch #8

2024-2026 Census Tract

Wicomico County

Worcester County

Sussex County

Services

CONSUMER LOANS

COMMERCIAL AND INDUSTRIAL LOANS

REAL ESTATE LOANS

Permanent Loans

Construction Loans

Homeowner Loans

OTHER CUSTOMER SERVICES

Contact Us

THE FARMERS BANK OF WILLARDS
Community Reinvestment Act Statement