TellerScore

Headquartered in Ocean City, Maryland, Bank of Ocean City is a state-chartered bank with $695.0M in total assets and $616.5M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1916.

Based on its Q2 2026 filing, Bank of Ocean City scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Maryland, it ranks 10th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (67/100; 11.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.65%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.59%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 84.3% · 16.6% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

TellerScore
697376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202469
Q1 202575
Q2 202575
Q3 202576
Q4 202570
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%8.33%11.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.35%
Q3 20249.78%
Q4 202410.04%
Q1 202510.56%
Q2 202510.60%
Q3 20259.94%
Q4 202510.64%
Q1 202611.51%
Q2 202611.65%
Noncurrent loans
0.00%0.36%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.49%
Q1 20250.00%
Q2 20250.03%
Q3 20250.00%
Q4 20250.71%
Q1 20260.66%
Q2 20260.59%
Return on assets
0.83%1.10%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.96%
Q4 20240.99%
Q1 20250.94%
Q2 20251.05%
Q3 20251.19%
Q4 20251.22%
Q1 20261.33%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$695.0M11.65%0.59%1.37%84.3%
Q1 202674$661.3M11.51%0.66%1.33%87.9%
Q4 202570$667.8M10.64%0.71%1.22%83.1%
Q3 202576$724.4M9.94%0.00%1.19%74.2%
Q2 202575$695.6M10.60%0.03%1.05%78.4%
Q1 202575$657.9M10.56%0.00%0.94%79.9%
Q4 202469$658.0M10.04%0.49%0.99%75.5%
Q3 202474$681.1M9.78%0.00%0.96%72.2%
Q2 202474$634.8M10.35%0.00%0.83%76.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.65%
61st
Total risk-based capital15.28%
69th
Problem loans0.59%
42nd
Net charge-offs0.00%
58th
Return on assets1.37%
57th
Net interest margin3.55%
30th
Efficiency ratio46.2%
89th
Loans to deposits84.3%
40th
Uninsured deposits16.6%
77th
Loan-loss reserves0.71%
8th
Texas ratio3.8%
42nd

Similar-size banks in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
The Queenstown Bank of MarylandBank Queenstown, MD77 out of 100, Strong$729.5M11.6%0.12%vs
Harford BankBank Aberdeen, MD62 out of 100, Moderate$776.6M9.9%0.91%vs
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs
BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
Farmers and Merchants BankBank Upperco, MD72 out of 100, Strong$874.5M10.0%0.00%vs

Deposit insurance

Is my money safe at Bank of Ocean City?

Yes. Bank of Ocean City is an FDIC-insured institution (FDIC certificate #5867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.6% of deposits ($102.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.28% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Bank of Ocean City lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Ocean City
Type
State-chartered bank
FDIC certificate #
5867
RSSD ID
147923
Primary regulator
FDIC
Established
January 1, 1916
Headquarters
10005 Golf Course Rd, Ocean City, MD 21842
Employees
79

Quick answers

Bank of Ocean City: common questions

Is Bank of Ocean City FDIC insured?

Yes. Bank of Ocean City is an FDIC-insured institution (FDIC certificate #5867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Ocean City's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Ocean City ever failed?

There is no failure record for FDIC certificate #5867 in the FDIC failed bank list.

How many branches does Bank of Ocean City have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Ocean City

InstitutionScoreAssetsCapitalProblem loansCompare
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
Calvin B. Taylor Banking Company of Berlin, MarylandBank Berlin, MD81 out of 100, Strong$1.0B13.6%0.83%vs
First Shore Federal Savings and Loan AssociationBank Salisbury, MD78 out of 100, Strong$366.5M17.4%0.82%vs
The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs