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Bank Of Ocean City
Ocean City, MD · FDIC Certificate #5867 · Chartered 01/0
Total assets
$694.97M
Total deposits
$616.45M
Total equity
$76.36M
Net loans
$519.86M
Branches (offices)
6
Net income (YTD)
$4.62M
Rank: #1,373 of 4,213 U.S. banks by assets · #16 of 27 in Maryland. Assets changed -0.1% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 12.40% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 10.99% |
| Tier 1 leverage ratio | 11.65% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $495.48M | 95.3% | |
| Commercial & industrial | $24.64M | 4.7% | |
| Consumer / individual | $819.00K | 0.2% | |
| Construction & development | $55.94M | 10.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $641.98M | $590.68M | $3.85M | $50.50M |
| Jun 2023 | $629.47M | $570.54M | $3.29M | $57.34M |
| Jun 2024 | $634.80M | $570.37M | $2.58M | $62.55M |
| Jun 2025 | $695.58M | $624.58M | $3.51M | $68.96M |
| Jun 2026 | $694.97M | $616.45M | $4.62M | $76.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $504.95M | 4 |
| Delaware | $111.50M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $616.45M.
Similar-sized banks
County Bank ($696.40M) · First Community Bank Of Central Alabama ($694.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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