BlastPoint's Banking Scorecard
Bank of Ocean City
Ocean City, MD
6 branches across MD · DE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 16 in MD.
- Deposits -1.3% year over year ($616.5M on the books).
- Delinquency rate 0.59%.
- Return on assets 1.37%.
- Efficiency ratio 46.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Ocean City has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.28% below tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$695.0M
-0.1% YoY
+5.1% QoQ
|
+$308.4M |
$386.6M
+1.2% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Top 12.5% in tier |
| Total Loans ? |
$519.9M
+6.2% YoY
+1.4% QoQ
|
+$261.5M |
$258.3M
+1.7% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Top 9.9% in tier |
| Total Deposits ? |
$616.5M
-1.3% YoY
+5.7% QoQ
|
+$289.7M |
$326.7M
+0.7% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 11.1% in tier |
| Return on Assets ? |
1.37%
+30.7% YoY
+3.0% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.55%
+19.3% YoY
+0.8% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
46.20%
-10.8% YoY
-1.7% QoQ
|
-18.28% |
64.48%
-3.2% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 10.5% in tier |
| Delinquency Rate ? |
0.59%
-10.8% QoQ
|
-0.33% |
0.92%
+15.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
84.33%
+7.6% YoY
-4.1% QoQ
|
+6.38% |
77.95%
+1.0% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
32.80%
+5.4% YoY
+8.8% QoQ
|
+10.76% |
22.03%
-0.6% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
Top 13.1% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-13.9% QoQ
|
-0.23% |
0.67%
+16.4% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
14.55%
+5.2% YoY
+0.8% QoQ
|
-1.36% |
15.91%
+1.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.10%
+7.0% YoY
+97.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.8%
+1.7pp YoY +2.7pp QoQ |
+10.6pp | 22.1% | 21.3% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
-0.2pp YoY -0.1pp QoQ |
-6.8pp | 11.6% | 8.9% | 12.5% | 18% |
| CRE |
68.8%
-0.7pp YoY 0.0pp QoQ |
+29.3pp | 39.5% | 50.0% | 41.4% | 92% |
| 1-4 Family |
25.4%
+0.7pp YoY +0.2pp QoQ |
-7.2pp | 32.6% | 37.9% | 31.3% | 41% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.2% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+0.7pp YoY +0.1pp QoQ |
-4.3pp | 18.8% | 16.4% | 19.7% | 45% |
| Leverage Ratio |
11.7%
+1.1pp YoY +0.1pp QoQ |
-0.5pp | 12.2% | 13.0% | 12.6% | 60% |
| Total Capital Ratio |
15.3%
+0.8pp YoY +0.1pp QoQ |
-4.7pp | 19.9% | 17.5% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
+3 (+3.9%) YoY +3 (+3.9%) QoQ |
+20 | 58 | 170 | 482 | 76% |
| Assets per Employee ($) |
$8.8M
-3.9% YoY +1.1% QoQ |
+$1.3M | $7.5M | $9.4M | $8.8M | 78% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 9 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.1pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 57% |
| Allowance Coverage |
1.21x
-94.7% YoY +14.9% QoQ |
-22.95x | 24.15x | 46.66x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.4%
+2.0pp YoY +0.4pp QoQ |
+0.2pp | 12.2% | 8.0% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.9% | 1.7% | 38% |
| Net Income ($, YTD) |
$4.6M
+31.5% YoY — QoQ |
+$2.1M | $2.6M | $8.4M | $40.4M | 85% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.