Bank of Ocean City
Ocean City, MD
IDRSSD: 147923
Total Assets
$724.37M
Latest filing
Total Deposits
$651.04M
Latest filing
Net Interest Margin
3.49%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Ocean City
10005 Golf Course Rd
Ocean City, MD 21842
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1916FDIC Certificate 4008
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Ocean City (Main) | 10005 Golf Course Rd | Ocean City, MD |
| 59TH STREET BRANCH | 5900 Coastal Hwy | Ocean City, MD |
| OCEAN PINES BRANCH | 11001 Nicholas Ln | Berlin, MD |
| WILLIAMS STREET BRANCH | 627 Williams St | Berlin, MD |
| FENWICK ISLAND BRANCH | 904 Coastal Hwy | Fenwick Island, DE |
| SELBYVILLE BRANCH OFFICE | 38227 Dupont Boulevard | Selbyville, DE |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21842 |
| State and County Number | 24047 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Salisbury, MD-DE |
Operational Info
| Number of Employees | 76 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofoceancity.com |
| Data Updated | 11/14/2025 |
| CERT | 5867 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $724.37M |
| Total Deposits | $651.04M |
| Total Liabilities | $653.26M |
| Total Equity Capital | $71.11M |
| Net Income | $2.57M |
| Net Loans and Leases | $483.27M |
| Assets Per Employee ($Millions) | $9.29M |
| Bank Premises and Fixed Assets | $9.88M |
| Cash and Balances due from Depository Institutions | $91.26M |
| Deposits Held in Domestic Offices | $651.04M |
Key Performance Ratios
| Return on Assets (ROA) | 1.45% |
| Return on Equity (ROE) | 14.68% |
| Net Interest Margin | 3.49% |
| Efficiency Ratio | 42.73% |
| Tier 1 Risk-Based Capital Ratio | 14.452% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.816% |
| Earning Assets to total Assets | 96.43% |
Income and Expense
| Total Interest Income | $8.78M |
| Total Noninterest Income | $358.00k |
| Total Interest Expense | $2.82M |
| Total Noninterest Expense | $2.70M |
| Net Interest Income | $5.96M |
| Pre-tax Net Operating Income | $3.41M |
| Provision for Credit Losses | $213.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $240.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.22M |
| Total Liabilities and Capital | $724.37M |
Securities
| Securities | $127.69M |
| Available-for-sale debt securities | $20.37M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $107.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Ocean City?
$724.37M as of the latest filing.
How much are Bank of Ocean City's total deposits?
$651.04M in total deposits.
Where is Bank of Ocean City located?
Ocean City, MD.
What is the Net Interest Margin?
3.49%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
1.45%.
How much are total loans and leases?
$483.27M (latest filing).
What is the total interest income (latest filing)?
$8.78M.