# BANK OF OCEAN CITY
OCEAN CITY, MD · FDIC certificate 5867 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $695.0M | |
| Deposits | $616.5M | |
| Loans and leases | $523.6M | |
| Total equity | $76.4M | |
| Loans / deposits | 84.33% (p57 of band) | 82.04% |
| Liquid assets / assets | 22.00% (p39 of band) | |
| Uninsured deposits / deposits | 16.58% (p17 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.65% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -9.14% (p46 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 3.55% (p30 of band) | 3.91% |
| Efficiency ratio | 46.20% (p12 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 120.68% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 73.25% (p74 of band) | |
| Auto loans | $159,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 79 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | brokered >10% | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | capital falling | brokered >10% |
| 2013-12 | 1 | brokered >10% | capital falling |
| 2014-03 | 0 |  | brokered >10% |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | brokered >10% |  |
| 2016-03 | 0 |  | capital falling, brokered >10% |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 3 | construction >100% equity, uninsured deposits leaving |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2026-03 | 1 |  | reserve under noncurrent |
| 2026-06 | 0 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-15 [Bank of Ocean City Celebrates Several Key Promotions - WMDT](https://news.google.com/rss/articles/CBMiigFBVV95cUxQRVBwVHMtRTZRWmZPX196a1ZWQ0NPa3REbmZXWEZfMDh1SGF6RDJpUWc4eFpZaENreFIzU2U2UlFUNVJxV1pHLWRoM3kyZlUydjI4dVM2aDNFUDBVcGgwbDVFMng5ZGRyRzNvZEtjU250WVZIQTlJNjlJWVZRVV9VUjJSS3MzRkxQZnc?oc=5) · WMDT
- 2026-06-17 [Stokes to run Selbyville’s Bank of Ocean City - Coastal Point](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNaC02UUY1SjEwamJZWlIwY1Z6SVM0RjdTZWVtd0d5UWl1N0VNbE8xYmJES0RHcnNJUGx6ZE1IQzRsWlYtWWE2OGRfSl9pQkJUcGdOR2VkMXRNR0dZYjk1R0ZiZDR5anJYR2ltV0ZISURKd1FjLXNXZjExYXFhZ1B5Mnp3RmxSYXZ0ZERGMTFDVGphdVlGYUlnLWlMMlJSVnk1aUFWNmN4U2tWQ0ZXVEdBcXVscUpmSHBOTkRwTk02SVpGNGllMFVqSzZFS1Y1bDMwVlkxbg?oc=5) · Coastal Point
- 2026-05-21 [Business Briefs 05/22/2026 - OC Today-Dispatch](https://news.google.com/rss/articles/CBMizgFBVV95cUxOSWQtYzhtUXNoVkltbXU5R2RBb3ZVMjJqaWxkalhUOGpJb0M0a3dUWmNhSmNWV0R1VWs2LThxVDI4YTRVbHBKZk1UeTJBekxxVHpxa3ZiVUZWc283UkJCZE1GVFpBZG85QTJnN1ZaSlRqRjAzR2VXcF9qT3ZkWXJMdHdhQ3kteXNDRnVWN0lfMXdKRDZEc2NzN3MyR0s1SUxXUnlQalM1Q1dNblFvVEd5czJxUjBXUThJLUQxbHFDRmRYUEllMFNkUjNjeTRQUQ?oc=5) · OC Today-Dispatch
- 2026-05-11 [Bank of OC Announces New Assistant VP, Director of Marketing - 47abc - WMDT](https://news.google.com/rss/articles/CBMikwFBVV95cUxNT2w5TFRKZWRyOUZTaGlMOVRqckFEU2tNenJzU3BncUdtaktkejR3NklsOU92cHo2aWZWVUY2QkhLS2NoTkNfOEZmcVQyTnRQOHBxNkthaElsajdpcF9JcXpMTHpmSzA2QlF3dzNkcEdyV1JvZy1PY203LWNYaU1XYWJwc1JXbkFQcW5HSmdTVkJuYnM?oc=5) · WMDT
- 2026-02-01 [John B. Lynch, Jr. Obituary - The Daily Times - DelmarvaNow.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE45RWROMWNOWUwwYmg1UlctMlg3WVBTRkRVN2VLdm5pZFRKQlg1aU1pVmVlWXhhRTkzaVlMczJoXzJVcWVTSHFfT3JfaVpXVDJYQktNTXIxVFV0Z2I3ejE4?oc=5) · DelmarvaNow.com
- 2022-08-23 [Maryland-based bank eyes Selbyville branch - Delaware Business Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxONTdOYzZaVGxDQmZESXhWenJyVEVnWTFLUTJzOGtVSldtV1FhR1FjMU5mVklvcjJPb0NlaXhKTExPb2wzVklTWFVaTGhrempaeUxSMGEweGJ4VEVfWmhyU2NQR1ZWRm5XUi1aOWN1d0xiX3Q4ZmRDZ3Q3ZmNyOFVWNUhvUmNTMWVwQlHSAZIBQVVfeXFMT2dwOERHb0JuakZ6bURqY3Q4S1BMNXNYNlZFM0ZJcXp2Wlo2NHRmdWdSbXdTQy1RYjJQdjA3OHZ6MW9NNTI1OS1ySUdDbWI3dlByREJ2cVhtMjhkUEZjWGRTU05lUGRDLW9MMlRDa1ZsWnpibEZ1eXBMbnZ4Vl83NlB5UG5jUUI2WWozby1tQTM4dnc?oc=5) · Delaware Business Times
- 2026-04-02 [Elias, partners face $3.5M judgment in loan default case - OC Today-Dispatch](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQWEUzdThzakZCREdWb0VlZEtMYlNadGszd3lOVVFxMENmQjkwaW1qemw5TEQteXBPLTVWaUNkUkh3cFFPLU1neXk4TDVQTGF5a1A1djBNZUoxUnloR1JpZXJ5X3otdlhmVEVPUHJFMi02X0E2dFExRTlzSW9qeUZwUzZWR09xYjVmTUNRcFdubDRmQ1RKek1OVENaSmozbHZZMmg5TXo4Qkk5Z0ZqOEY1bnlwYmFCczJWMHRfTkdsQWFIbFQydzBHU3NlSFQzcERNYXNqM1ctT2M?oc=5) · OC Today-Dispatch
- 2022-01-19 [Suspect Arrested in Ocean City Bank Robbery - WBOC TV](https://news.google.com/rss/articles/CBMivwFBVV95cUxPWjBldEhmVHZsOUtQSlg2OTJHMEZWTm9ZX1ozRW0yS1JVLVJmSjdYaXFkUTB3Y2phTzhrZWFsb3ZLUkFQSXJhbHZ5ZUtsMHJUdUZQUkczWnVUSk1Ub2QyT09vaVdHV2ZUbnJNZ3Vna2NSNERaakJFUXkyNmJYU014RUZqM1ZIc1hpUjlvLU5xVXVHLTZDWVhKOHZVcGR5U0Z0aDhjbFZBUk0yRGtHbjdkTGJ5V0s3U1Z1QzgyVDNiVQ?oc=5) · WBOC TV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5867 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "5867", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide