Bank Comparison
Bank of Ocean City vs American State Bank & Trust Company of Williston
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| CET1 Ratio | 14.44% | 22.11% |
| Tier 1 Capital Ratio | 14.44% | 22.11% |
| Total Capital Ratio | 15.15% | 23.37% |
| Tier 1 Leverage Ratio | 11.51% | 12.43% |
| Equity / Assets | 11.31% | 9.08% |
Profitability
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| Return on Assets (ROA) | 1.33% | 2.38% |
| Return on Equity (ROE) | 11.99% | 26.61% |
| Net Interest Margin (NIM) | 3.54% | 3.26% |
| Yield on Earning Assets | 5.08% | 4.37% |
| Cost of Funds | 1.67% | 1.22% |
Asset quality
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| Texas Ratio | 4.34% | 8.22% |
| Non-Performing Loan Ratio | 0.66% | 1.17% |
| Non-Performing Asset Ratio | 0.51% | 0.61% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 0.69% | 1.79% |
Balance sheet
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| Total Assets | $661,276K | $660,500K |
| Total Deposits | $583,270K | $584,333K |
| Total Loans | $516,230K | $291,536K |
| Total Equity | $74,807K | $59,997K |
| Net Income (quarter) | $2,209K | $4,000K |
Liquidity & funding
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| Loan-to-Deposit Ratio | 88.51% | 49.89% |
| Core Deposit Ratio | 92.28% | 91.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Ocean City | American State Bank & Trust Company of Williston |
|---|---|---|
| Headquarters City | OCEAN CITY | WILLISTON |
| Headquarters State | MD | ND |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 76 | 81 |
| Established | Jan. 1, 1916, midnight | Dec. 1, 1936, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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