Bank of Ocean City: how it compares with its peers
Against 15 MD banks with half to twice its assets, Bank of Ocean City's strongest measure in Q2 2026 is efficiency ratio (46.20% vs. a 64.86% peer median). Its weakest relative measure is net interest margin (3.55% vs. 3.78%).
| Measure | Bank of Ocean City | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 0.86% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.78% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.20% | 64.86% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.2M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.33% | 86.48% | Context |
What it means for lending operations
Its efficiency ratio of 46.20% is better than the 64.86% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Queenstown Bank of Maryland Queenstown, MD · $730M
- Harford Bank Aberdeen, MD · $777M
- Hebron Savings Bank Hebron, MD · $839M
- The Farmers Bank of Willards Willards, MD · $548M
- BayVanguard Bank Baltimore, MD · $869M
- Farmers and Merchants Bank Upperco, MD · $874M
Questions about Bank of Ocean City
How big is Bank of Ocean City?
Bank of Ocean City, established in 1916, is headquartered in Ocean City, MD. It reported $695M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Bank of Ocean City's return on assets?
1.37% annualized in Q2 2026, against a 0.86% median for 15 MD banks with half to twice its assets, ahead of 87% of them.
What is Bank of Ocean City's efficiency ratio?
46.20% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 64.86%, and lower is better.
Is Bank of Ocean City growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits shrank 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.