Side-by-side · Q2 2026 data
Bank of Ocean City vs The Farmers Bank of Willards
Metric by metric
| Measure | Bank of Ocean City | The Farmers Bank of Willards |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 67 | 71 (stronger) |
| Loan quality | 80 (stronger) | 77 |
| Earnings | 75 (stronger) | 74 |
| Funding & liquidity | 74 | 77 (stronger) |
| Problem-loan coverage | 92 (stronger) | 88 |
| Peer percentile | 61st | 64th |
| Total assets | $695.0M | $547.6M |
| Deposits / shares | $616.5M | $472.6M |
| Capital ratio | 11.65% | 12.13% (stronger) |
| Problem loans | 0.59% (stronger) | 0.70% |
| Net charge-offs | 0.00% (stronger) | 0.11% |
| Return on assets | 1.37% (stronger) | 1.35% |
| Loans ÷ deposits | 84.3% | 83.0% (stronger) |
| Uninsured deposits | 16.6% | 14.3% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers Bank of Willards has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Bank of Ocean City leads on 3 and The Farmers Bank of Willards on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.