Side-by-side · Q2 2026 data
The Farmers Bank of Willards vs Harford Bank
Metric by metric
| Measure | The Farmers Bank of Willards | Harford Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 62 |
| Capital cushion | 71 (stronger) | 49 |
| Loan quality | 77 (stronger) | 70 |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 77 (stronger) | 58 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 64th | 22nd |
| Total assets | $547.6M | $776.6M |
| Deposits / shares | $472.6M | $692.5M |
| Capital ratio | 12.13% (stronger) | 9.95% |
| Problem loans | 0.70% (stronger) | 0.91% |
| Net charge-offs | 0.11% | 0.01% (stronger) |
| Return on assets | 1.35% (stronger) | 1.09% |
| Loans ÷ deposits | 83.0% (stronger) | 83.3% |
| Uninsured deposits | 14.3% (stronger) | 31.9% |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers Bank of Willards has the higher TellerScore (76 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Willards leads on 6 and Harford Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.