Call reports 2026
BANK OF OCEAN CITY — 2026
What BANK OF OCEAN CITY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 661,276,000 | 694,973,000 |
| Total loans | 516,230,000 | 523,569,000 |
| Allowance for loan losses | 3,572,000 | 3,712,000 |
| Securities available for sale | 19,088,000 | 18,342,000 |
| Securities held to maturity | 91,033,000 | 81,453,000 |
| Trading assets | 0 | 0 |
| Total deposits | 583,270,000 | 616,450,000 |
| Interest-bearing deposits | 407,466,000 | 414,284,000 |
| Noninterest-bearing deposits | 175,804,000 | 202,166,000 |
| Equity capital | 74,807,000 | 76,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 8,075,000 | 16,471,000 |
| Interest expense | 2,457,000 | 4,975,000 |
| Net interest income | 5,618,000 | 11,496,000 |
| Noninterest income | 345,000 | 716,000 |
| Noninterest expense | 2,803,000 | 5,642,000 |
| Provision for loan losses | 118,000 | 258,000 |
| Pretax income | 3,004,000 | 6,282,000 |
| Income tax | 795,000 | 1,660,000 |
| Net income | 2,209,000 | 4,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 76,357,000 | 78,016,000 |
| Total capital | 80,137,000 | 81,929,000 |
| Risk-weighted assets | 528,899,000 | 536,125,000 |