The Farmers Bank of Willards is a local bank serving the Delmarva Peninsula, offering personal and business banking solutions. Services include checking and savings accounts, loans, CDs, IRAs, and online banking with bill pay and mobile deposit capabilities[3][5]. Their target audience is local individuals and businesses, particularly in agriculture and related industries[5]. The unique selling proposition is their commitment to personalized customer service and remaining an independent financial institution, providing a family-oriented banking experience[1][5].