Queenstown Bank of Maryland vs Bank of Ocean City
Side-by-side bank health comparison using FDIC financial data
Queenstown Bank of Maryland (A) and Bank of Ocean City (A) are close on the BankHealth rubric. Asset bases: $683M 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
Queenstown Bank of Maryland has a stronger Bank Health Score of 94/100 (A) compared to Bank of Ocean City at 91/100 (A), a difference of 3 points. Queenstown Bank of Maryland holds a Tier 1 capital ratio of 17.11% and an NPL ratio of 0.19%.
| Metric | Queenstown Bank of Maryland | Bank of Ocean City |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 94/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.1%* | 13.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 28.7%* | 27.8% |
| Return on Assets Profitability metric (above 1% is strong) | 1.0% | 1.1%* |
| Total Assets | $683M | $635M |
| Total Deposits | $589M | $570M |
| Location | Queenstown, Maryland | Ocean City, Maryland |
Queenstown Bank of Maryland has a stronger Bank Health Score of 94/100 (A) compared to Bank of Ocean City at 91/100 (A), a difference of 3 points. Queenstown Bank of Maryland holds a Tier 1 capital ratio of 17.11% and an NPL ratio of 0.19%.