| Metric | Bank of Ocean City | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.9% | -5.0 pts |
| Deposit growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| Loan growth (YoY) | +6.2% | +5.3% | +0.8 pts |
| ROA | 1.37% | 1.28% | +0.1 pts |
| ROE | 12.4% | 12.4% | -0.0 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $695.0M | $616.5M | $519.9M | $76.4M | $4.6M | 1.37% | 3.55% | 0.44% |
| Q1 2026 | $661.3M | $583.3M | $512.7M | $74.8M | $2.2M | 1.33% | 3.52% | 0.51% |
| Q4 2025 | $667.8M | $592.6M | $492.6M | $72.6M | $8.3M | 1.22% | 3.27% | 0.53% |
| Q3 2025 | $724.4M | $651.0M | $483.3M | $71.1M | $6.1M | 1.19% | 3.15% | 0.00% |
| Q2 2025 | $695.6M | $624.6M | $489.7M | $69.0M | $3.5M | 1.05% | 2.97% | 0.02% |
| Q1 2025 | $657.9M | $588.0M | $469.9M | $67.3M | $1.6M | 0.94% | 2.89% | 0.00% |
| Q4 2024 | $658.0M | $589.7M | $445.3M | $65.6M | $6.3M | 0.99% | 2.75% | 0.33% |
| Q3 2024 | $681.1M | $613.9M | $443.1M | $65.0M | $4.6M | 0.96% | 2.66% | 0.00% |
Loan mix (Q2 2026): real estate $495.5M · commercial $24.6M · consumer $819K · securities $99.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Ocean City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.28% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 61.2% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Ocean City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Ocean City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Ocean City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Ocean City | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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