BANK OF OCEAN CITY
BANK OF OCEAN CITY is an FDIC-insured commercial bank headquartered in OCEAN CITY, MD, established in 1916. As of , 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 3.51%. CET1 capital ratio: 14.45%, well above regulatory minimums. NPL ratio: 0.69% · Texas Ratio: 4.47%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Bank of Ocean City rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.45% | 1.28% | 0.69% | 4.47% | 3.51% |
| 2025-09-30 | 14.45% | 1.45% | 0.00% | 0.00% | 3.37% |
| 2025-06-30 | 13.83% | 1.16% | 0.00% | 0.00% | 3.11% |
| 2025-03-31 | 14.22% | 0.94% | 0.00% | 0.00% | 2.90% |
| 2024-12-31 | 14.24% | 1.02% | 0.00% | 0.00% | 2.94% |
| 2024-09-30 | 14.13% | 1.23% | 0.00% | 0.00% | 2.87% |
| 2024-06-30 | 13.92% | 0.87% | 0.00% | 0.00% | 2.53% |
| 2024-03-31 | 14.04% | 0.80% | 0.00% | 0.00% | 2.47% |
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Frequently asked about BANK OF OCEAN CITY
What are Bank of Ocean City's total assets?
As of the Q4 2025 filing, Bank of Ocean City reported total assets of $667.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Ocean City headquartered?
Bank of Ocean City is headquartered in OCEAN CITY, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Ocean City founded?
Bank of Ocean City was established in 1916, per the FDIC institution directory.
Is Bank of Ocean City FDIC-insured?
Yes. Bank of Ocean City is an FDIC-insured commercial bank (FDIC Certificate #5867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Ocean City?
Bank of Ocean City's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Ocean City's CET1 capital ratio?
Bank of Ocean City reported a Common Equity Tier 1 (CET1) capital ratio of 14.45% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of Ocean City operate?
Bank of Ocean City operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of Ocean City's Texas Ratio?
Bank of Ocean City's Texas Ratio is 4.47% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.