Calvin B Taylor Bk Berlin Md vs Bank of Ocean City
Side-by-side bank health comparison using FDIC financial data
Calvin B Taylor Bk Berlin Md (A) and Bank of Ocean City (A) are close on the BankHealth rubric. Asset bases: $896M versus $635M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Calvin B Taylor Bk Berlin Md has a stronger Bank Health Score of 92/100 (A) compared to Bank of Ocean City at 91/100 (A), a difference of 1 points. Calvin B Taylor Bk Berlin Md holds a Tier 1 capital ratio of 13.4% and an NPL ratio of 0.10%.
| Metric | Calvin B Taylor Bk Berlin Md | Bank of Ocean City |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 92/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 13.4% | 13.9%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 28.2%* | 27.8% |
| Return on Assets Profitability metric (above 1% is strong) | 1.7%* | 1.1% |
| Total Assets | $896M | $635M |
| Total Deposits | $786M | $570M |
| Location | Berlin, Maryland | Ocean City, Maryland |
Calvin B Taylor Bk Berlin Md has a stronger Bank Health Score of 92/100 (A) compared to Bank of Ocean City at 91/100 (A), a difference of 1 points. Calvin B Taylor Bk Berlin Md holds a Tier 1 capital ratio of 13.4% and an NPL ratio of 0.10%.