Bank of Ocean City: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged up by 2.5%, from $2.5M to $2.5M, the largest move among the key lines here. Bank of Ocean City ranks 15th of 27 Maryland banks on net interest margin, in the lower half at 3.66% (Q2 2026). Bank of Ocean City reported 3.66% on net interest margin for Q2 2026, 0.28 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 5.93% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.06% | 1.24% | 2.94% | 5.02% | 2.05% |
| Q4 2023 | 4.10% | 1.49% | 2.71% | 5.18% | 1.84% |
| Q1 2024 | 4.20% | 1.82% | 2.49% | 5.28% | 1.50% |
| Q2 2024 | 4.37% | 1.94% | 2.53% | 5.41% | 1.44% |
| Q3 2024 | 4.58% | 1.88% | 2.87% | 5.55% | 1.58% |
| Q4 2024 | 4.72% | 1.89% | 2.94% | 5.67% | 1.61% |
| Q1 2025 | 4.67% | 1.92% | 2.89% | 5.63% | 1.62% |
| Q2 2025 | 4.91% | 1.92% | 3.12% | 5.80% | 1.67% |
| Q3 2025 | 4.97% | 1.76% | 3.38% | 5.94% | 1.76% |
| Q4 2025 | 5.07% | 1.67% | 3.51% | 5.93% | 1.96% |
| Q1 2026 | 5.08% | 1.67% | 3.54% | 5.86% | 1.99% |
| Q2 2026 | 5.23% | 1.68% | 3.66% | 5.93% | 2.01% |
Bank of Ocean City yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Ocean City, freeSource: Call Report Schedules RI and RC-K, 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)