FDIC Cert #5867 · Ocean City, Maryland · Est. 1916

Bank of Ocean City - FDIC Bank Health Profile

A community-scale look at Bank of Ocean City's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$668M
Total assets
A
Health grade · Excellent
1.22%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Ocean City earns a PlainBankData health grade of A (90/100), with well-capitalized at 14.45% Tier 1, profitable at 1.22% ROA, efficient (48% cost ratio).

#1,427
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
14.45%
Tier 1 ratio - above the 10% well-capitalized line
58th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 5867 · MD A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #805/4307
  • PHOTO-FINISH First Northeast Bank… · NE
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-PAR 1.22% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: First Northeast Bank of Nebraska, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Ocean City

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Ocean City · MD · th…90/100Farmers National Bank · IL ·…90/100First Northeast Bank… · NE ·…90/100Security Bank of Kan… · KS ·…90/100The First National B… · KS ·…90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Ocean City · July 2026

Call Report read for Bank of Ocean City in a high-failure state

Bank of Ocean City (FDIC Cert #5867) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #805 of 4,307. Tier 1 capital prints at 14.45%, clearing the 10% well-capitalized line. The Texas Ratio is 4.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.22%. Balance-sheet scale is $668M, 1,427th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Northeast Bank of Nebraska (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Ocean City

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Bank of Ocean City sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Bank of Ocean City's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Bank of Ocean City's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
Bank of Ocean City's composite health score
Tier 1 Capital Ratio (14.45%) 35/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (4.65%) 20/20
Efficiency Ratio (48.38%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$668M

Total balance-sheet footings

Total Deposits

$593M

Customer-funded liabilities

Net Loans

$493M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.05% 14.45% 15.85%
Basel III capital ratios - Bank of Ocean City

Where Bank of Ocean City ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Ocean City's score of 90/100 falls in the highlighted band.

Bank of Ocean City: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of Ocean City 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Ocean City's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Ocean City's $668M falls in the highlighted band.

Capital & credit buffers at Bank of Ocean City

Tier 1 capital ratio
Well-capitalized 10%

14.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.45%
Texas Ratio
4.65%
Equity Capital
$73M

What these ratios mean →

Earnings posture at Bank of Ocean City

Return on Assets (ROA)
58th percentile nationally
1.22%
Return on Equity (ROE)
12.02%
Efficiency Ratio
48.38%

What these mean →

Income & expense at Bank of Ocean City

$33M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Ocean City reports a Texas Ratio of 4.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Ocean City on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($668M here), outside Maryland so the neighborhood is not state containment.

Farmers Bank $668M · ID First State Bank of Blakely $669M · GA First Hope Bank, A National Banking A… $667M · NJ First Federal Savings and Loan Associ… $669M · OR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Ocean City (FDIC Cert #5867) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Ocean City Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%