Side-by-side · Q2 2026 data
Bank of Ocean City vs Hebron Savings Bank
Metric by metric
| Measure | Bank of Ocean City | Hebron Savings Bank |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 67 | 84 (stronger) |
| Loan quality | 80 | 97 (stronger) |
| Earnings | 75 | 87 (stronger) |
| Funding & liquidity | 74 (stronger) | 73 |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 61st | 92nd |
| Total assets | $695.0M | $838.8M |
| Deposits / shares | $616.5M | $723.0M |
| Capital ratio | 11.65% | 13.35% (stronger) |
| Problem loans | 0.59% | 0.08% (stronger) |
| Net charge-offs | 0.00% | -0.07% (stronger) |
| Return on assets | 1.37% | 1.68% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 87.1% |
| Uninsured deposits | 16.6% | 15.3% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.8% |
Hebron Savings Bank has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ocean City leads on 1 and Hebron Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.