Bank of Ocean City: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which fell 0.32 percentage points to 10.99%. Bank of Ocean City ranks 9th of 20 Maryland banks on CET1 ratio, in the upper half at 14.55% (Q2 2026). Bank of Ocean City reported 14.55% on CET1 ratio for Q2 2026, 0.53 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.55% |
| Tier 1 risk-based capital ratio | 14.55% |
| Total risk-based capital ratio | 15.28% |
| Tier 1 leverage ratio | 11.65% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $78.0M |
| Tier 1 capital | $78.0M |
| Total risk-based capital | $81.9M |
| Total equity capital | $76.4M |
| Risk-weighted assets | $536.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.99% |
| Tangible equity to tangible assets | 10.99% |
| Equity capital to average assets | 11.41% |
| Internal capital growth rate | 8.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.6M |
| Common stock surplus | $7.7M |
| Retained earnings | $68.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.03% | 14.03% | 14.68% | 9.28% | $438.3M |
| Q4 2023 | 13.95% | 13.95% | 14.61% | 9.74% | $446.7M |
| Q1 2024 | 14.04% | 14.04% | 14.69% | 10.26% | $452.7M |
| Q2 2024 | 13.92% | 13.92% | 14.56% | 10.35% | $463.8M |
| Q3 2024 | 14.13% | 14.13% | 14.76% | 9.78% | $471.2M |
| Q4 2024 | 14.24% | 14.24% | 14.85% | 10.04% | $475.2M |
| Q1 2025 | 14.22% | 14.22% | 14.85% | 10.56% | $486.7M |
| Q2 2025 | 13.83% | 13.83% | 14.45% | 10.60% | $511.9M |
| Q3 2025 | 14.45% | 14.45% | 15.13% | 9.94% | $502.4M |
| Q4 2025 | 14.45% | 14.45% | 15.15% | 10.64% | $513.0M |
| Q1 2026 | 14.44% | 14.44% | 15.15% | 11.51% | $528.9M |
| Q2 2026 | 14.55% | 14.55% | 15.28% | 11.65% | $536.1M |
Bank of Ocean City regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ocean City, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Ocean City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5867) · FFIEC NIC profile (RSSD 147923)