BlastPoint's Banking Scorecard

Bank of Ocean City

$100M-$1B Specialty: Commercial MD FDIC cert 5867

Ocean City, MD

6 branches across MD · DE

2664 banks in the $100M-$1B peer group nationally 17 in MD

Bank of Ocean City has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.06% above tier average
+ Efficiency Ratio 18.28% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.41% below tier average

Get updates when Bank of Ocean City releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$661.3M +0.5% YoY -1.0% QoQ	+$275.2M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Top 14.8% in tier
Total Loans ?	$512.7M +9.1% YoY +4.1% QoQ	+$256.9M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Top 9.8% in tier
Total Deposits ?	$583.3M -0.8% YoY -1.6% QoQ	+$255.3M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Top 13.6% in tier
Return on Assets ?	1.33% +40.8% YoY +8.9% QoQ	+0.06%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	3.52% +21.8% YoY +7.6% QoQ	-0.41%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	47.01% -14.4% YoY -2.8% QoQ	-18.28%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Top 11.1% in tier
Delinquency Rate ?	0.66% -7.5% QoQ	-0.22%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	87.89% +10.0% YoY +5.7% QoQ	+11.26%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	30.14% +6.6% YoY -2.3% QoQ	+8.12%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.51% -2.8% QoQ	-0.12%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	14.44% +1.5% YoY -0.1% QoQ	-1.39%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.05% +11.4% YoY -74.3% QoQ	-0.23%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

261

Total Loans

size

Value: $512.66M

Peer Median: $255.72M

#261 of 2664 Top 9.8% in $100M-$1B

296

Efficiency Ratio

profitability

Value: 47.01%

Peer Median: 65.29%

#296 of 2664 Top 11.1% in $100M-$1B

364

Total Deposits

size

Value: $583.27M

Peer Median: $327.97M

#364 of 2664 Top 13.6% in $100M-$1B

394

Total Assets

size

Value: $661.28M

Peer Median: $386.08M

#394 of 2664 Top 14.8% in $100M-$1B

473

Non-Interest-Bearing Deposit Share

funding

Value: 30.14%

Peer Median: 22.02%

#473 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (1 metrics)

2115

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2115 of 2664 Bottom 20.6% in $100M-$1B