Bank of Ocean City: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.36 percentage points lower than in Q1 2026, at 288.51%. Bank of Ocean City ranks 16th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 84.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank of Ocean City sits 4.38 points higher, at 84.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $523.6M |
| Net loans and leases | $519.9M |
| Loans held for sale | $0 |
| Loans to total assets | 75.34% |
| Loan-to-deposit ratio | 84.93% |
| Net loans to equity capital | 6.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.21% |
| Multifamily (5+ residential) | 2.43% |
| Commercial and industrial | 4.71% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 1.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 288.51% |
| Construction concentration (Tier 1 capital + allowance) | 68.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.93% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $398.9M | $593.2M | 52.00% | 4.68% | 0.29% |
| Q4 2023 | $412.5M | $554.2M | 52.04% | 4.97% | 0.26% |
| Q1 2024 | $427.7M | $545.4M | 52.15% | 4.90% | 0.24% |
| Q2 2024 | $438.6M | $570.4M | 53.82% | 4.80% | 0.23% |
| Q3 2024 | $445.9M | $613.9M | 52.93% | 4.69% | 0.23% |
| Q4 2024 | $448.1M | $589.7M | 53.25% | 4.74% | 0.19% |
| Q1 2025 | $472.9M | $588.0M | 54.44% | 4.86% | 0.17% |
| Q2 2025 | $492.8M | $624.6M | 53.96% | 4.92% | 0.17% |
| Q3 2025 | $486.5M | $651.0M | 54.83% | 4.34% | 0.17% |
| Q4 2025 | $496.1M | $592.6M | 54.55% | 4.64% | 0.16% |
| Q1 2026 | $516.2M | $583.3M | 54.66% | 4.81% | 0.16% |
| Q2 2026 | $523.6M | $616.5M | 55.21% | 4.71% | 0.16% |
Bank of Ocean City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ocean City, freeSource: Call Report Schedule RC-C, 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)