Side-by-side · Q2 2026 data
Bank of Ocean City vs Harford Bank
Metric by metric
| Measure | Bank of Ocean City | Harford Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 62 |
| Capital cushion | 67 (stronger) | 49 |
| Loan quality | 80 (stronger) | 70 |
| Earnings | 75 (stronger) | 64 |
| Funding & liquidity | 74 (stronger) | 58 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 61st | 22nd |
| Total assets | $695.0M | $776.6M |
| Deposits / shares | $616.5M | $692.5M |
| Capital ratio | 11.65% (stronger) | 9.95% |
| Problem loans | 0.59% (stronger) | 0.91% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.37% (stronger) | 1.09% |
| Loans ÷ deposits | 84.3% | 83.3% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 31.9% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Ocean City has the higher TellerScore (75 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ocean City leads on 6 and Harford Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.