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Bank of Ocean City Locations & Branches Ocean City, Maryland
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Bank of Ocean City operates 6 branches from its headquarters in Ocean City, MD, .
Bank of Ocean City branch network
Its 6 branches span 2 states and 4 cities. The most are in MARYLAND (4) and DELAWARE (2). MARYLAND holds 81.9% of its branch deposits. Ocean City, MD has the most of its branches, 2. Its largest office by deposits is its main office in Ocean City, MD, with $183.0M (29.7% of its branch deposits). It had the same number of branches on June 30, 2025.
Bank of Ocean City at a glance
Its CET1 capital ratio was 14.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $695.0M
- CET1 ratio, Q2 2026
- 14.55%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1916
Full financial profile · Is Bank of Ocean City safe? · Bank of Ocean City call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ocean City, MD (2 branches) | 1 of 8 | 25.3% | $364.7M |
| State: MD (4 branches) | 33 of 69 | 0.2% | $504.9M |
Ranked by total assets among banks headquartered in the state: Largest banks in Maryland.
Share by county and metro area
Bank of Ocean City's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Worcester, MD (4 branches) | 2 of 13 | 19.4% | $504.9M | $2.60B |
| Sussex, DE (2 branches) | 13 of 20 | 0.1% | $111.5M | $81.55B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Salisbury, MD-DE (6 branches) | 7 of 26 | 0.7% | $616.5M | $86.65B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Ocean City (main office) | Ocean City, MD | 21842 | $183.0M |
| 59th Street Branch | Ocean City, MD | 21842 | $181.7M |
| Williams Street Branch | Berlin, MD | 21811 | $76.9M |
| Fenwick Island Branch | Fenwick Island, DE | 19944 | $68.6M |
| Ocean Pines Branch | Berlin, MD | 21811 | $63.3M |
| Selbyville Branch Office | Selbyville, DE | 19975 | $42.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5867) · FFIEC NIC profile (RSSD 147923)