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Bank of Ocean City

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Bank of Ocean City Rates & Review May 2026

Q: How many branches does Bank of Ocean City operate?

Bank of Ocean City currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of Ocean City does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Ocean City provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Bank of Ocean City rates to other rates in our database, including 12-month CD rates currently at 3.75%, 6-month CD rates at 3.00% and 3-month CD rates at 0.10%. Savings rates are at 0.20% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.98%. All these rates can be compared to Bank of Ocean City rates. MonitorBankRates evaluates the financial stability of Bank of Ocean City with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates were last updated on 05/15/2026.

Bank of Ocean City money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Ocean City? Share your experience about Bank of Ocean City by leaving a review below, or read customer reviews before you decide to use Bank of Ocean City.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Bank of Ocean City

10005 Golf Course Rd
Ocean City, MD 21842

https://www.bankofoceancity.com

Current Rate Availability

We do not have Bank of Ocean City rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Ocean City is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Ocean City rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Ocean City's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Ocean City

FDIC Certificate # 5867

Address 10005 Golf Course Rd, Ocean City, MD 21842 · Worcester

Website https://www.bankofoceancity.com

Established 01/01/1916

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1200%

Return on Equity (ROE) 12.2800%

Non-Performing Loans (NPL) 0.00%

Total Assets $667,847,000

Total Deposits $592,567,000

Equity Capital $72,555,000

Net Income $8,308,000

Headquarters Ocean City

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Bank of Ocean City

How many branches does Bank of Ocean City operate?

Bank of Ocean City currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Ocean City does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Ocean City provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Ocean City offer online and mobile banking?

Most modern institutions like Bank of Ocean City provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofoceancity.com.