BlastPoint's Banking Scorecard
Bank of Ocean City
Community
Specialty: Commercial
MD
FDIC cert 5867
Ocean City, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Bank of Ocean City shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$667.8M
+1.5% YoY
-7.8% QoQ
|
-$723.6M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$492.6M
+10.6% YoY
+1.9% QoQ
|
-$482.9M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$592.6M
+0.5% YoY
-9.0% QoQ
|
-$572.0M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.22%
+23.9% YoY
+2.9% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.27%
+18.8% YoY
+3.9% QoQ
|
-0.39% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
48.38%
-13.1% YoY
+0.1% QoQ
|
-14.25% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.72%
+45.0% YoY
|
+0.09% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
83.13%
+10.1% YoY
+12.0% QoQ
|
+0.07% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
30.86%
+3.5% YoY
-8.3% QoQ
|
+9.82% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+58.0% YoY
|
+0.03% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
14.45%
+1.5% YoY
-0.0% QoQ
|
+4.20% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.20%
-19.8% YoY
+43.2% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Efficiency Ratio
Current: 48.38% · Tier avg: 62.63%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.86% · Tier avg: 21.05%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.13% · Tier avg: 83.06%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
30
30th pctile
Total Loans
Current: $492.6M · Tier avg: $975.5M
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
27
27th pctile
Total Deposits
Current: $592.6M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $667.8M · Tier avg: $1.4B
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
24
24th pctile
Total Assets
Current: $667.8M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $592.6M · Tier avg: $1.2B
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
30
30th pctile
Total Loans
Current: $492.6M · Tier avg: $975.5M
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.13% · Tier avg: 83.06%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.86% · Tier avg: 21.05%
86
86th pctile
Efficiency Ratio
Current: 48.38% · Tier avg: 62.63%