Bank of Ocean City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Ocean City of Ocean City, MD against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.44% | 1.25% | +0.19% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.77% | 13.17% | -0.40% | 52nd above |
| Net Interest Margin | 3.66% | 3.95% | -0.29% | 34th below |
| Efficiency Ratio | 45.34% | 61.50% | -16.16% | 89th top |
| PPNR / Avg Assets | 2.04% | — | — | 73rd above |
| Yield on Earning Assets | 5.23% | 5.67% | -0.44% | 32nd below |
| Cost of Funds | 1.68% | 1.87% | -0.19% | 58th above |
| Net Interest Spread | 2.78% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.93% | -0.34% | 42nd below |
| NPA / Total Assets | 0.44% | — | — | 41st below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.71% | — | — | 8th bottom |
| ACL / NPLs (Coverage) | 120.68% | — | — | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.84% | 6.06% | -2.22% | 42nd below |
| Provision / NCO | 8600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.55% | 17.18% | -2.63% | 44th below |
| Tier 1 Ratio | 14.55% | 17.21% | -2.66% | 44th below |
| Total Capital Ratio | 15.28% | — | — | 40th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.65% | 11.75% | -0.10% | 60th above |
| Equity / Assets | 10.99% | 10.98% | +0.01% | 59th above |
| TCE / Tangible Assets | 10.99% | — | — | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.93% | 80.44% | +4.49% | 40th below |
| Core Deposit Ratio | 92.67% | 86.95% | +5.72% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.09% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 6.25% | — | — | 55th above |
| Deposit Growth (Y/Y) | -1.30% | — | — | 16th bottom |
See Bank of Ocean City's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Ocean City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Ocean City profile, how to read a UBPR, or how this data updates.