BANK OF OCEAN CITY

OCEAN CITY, MD | Medium | Est. Jan. 1, 1916, midnight | FDIC #5867 | RSSD #147923 | FDIC
Latest Report: 2025-12-31

BANK OF OCEAN CITY is amn medium FDIC-insured commercial bank headquartered in OCEAN CITY, MD, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $668M and total deposits of $593M. Profitability stands at 1.28% ROA and 12.38% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 14.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 4.47%. FDIC Certificate #5867.

Assets

$668M

Deposits

$593M

Loans

$496M

Equity

$73M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 12.38%
Net Interest Margin (NIM) 3.67%
Yield on Assets 5.30%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.47%
NPA Ratio 0.51%
ACL / Loans 0.70%

Capital & Liquidity

CET1 Ratio 14.45%
Tier 1 Capital 14.45%
Total Capital Ratio 15.15%
Leverage Ratio 10.64%
Loan-to-Deposit 83.71%

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