Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Bank of Ocean City
Metric by metric
| Measure | Farmers and Merchants Bank | Bank of Ocean City |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 50 | 67 (stronger) |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 72 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 50th | 61st |
| Total assets | $874.5M | $695.0M |
| Deposits / shares | $725.7M | $616.5M |
| Capital ratio | 9.98% | 11.65% (stronger) |
| Problem loans | 0.00% (stronger) | 0.59% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.97% | 1.37% (stronger) |
| Loans ÷ deposits | 87.8% | 84.3% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 16.6% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Bank of Ocean City has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Bank of Ocean City on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.