Skip to main content
BDI
BO

Bank of Ocean City

Ocean City, MarylandFDIC Cert #5867

STATEEstablished 19166 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$127M
Investor CRE$155M
Multifamily$12.7M
Construction$58M
1–4 family$129M
C&I$24.8M
Agriculture$5.74M
Other$3.59M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$516M
+9.2%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$513M
+9.1%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Loans YoY
+9.10%
−14.1%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
87.9%
+10.0%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
77.5%
+8.5%y/y
Percentile by value80th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
95.39%
−0.1%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
282%
+0.0%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
72%
−9.9%y/y
Percentile by value78th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,292points
+1.9%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
24.61%
−7.0%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
30.05%
+7.4%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
4.81%
−1.1%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR