Is Bank of Ocean City Safe?
Bank of Ocean City has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (64/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.92% | 92/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 27.83% | 91/100 |
| Return on Assets | 1.10% | 64/100 |
| Total Assets | $0.6B | |
How does Bank of Ocean City compare?
With a Bank Health Score of 91/100, Bank of Ocean City sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Maryland, where 28 FDIC-insured banks are headquartered, Bank of Ocean City ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 13.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Ocean City's Bank Health Score fell by 4.0 points to 91/100. Tier 1 capital weakened by 0.11 percentage points to 13.92%.
Bank of Ocean City has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (64/100).