This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Ocean City, MD
Health score
86.3
Total assets
$695.0M
Bank
Willards, MD
Health score
89.9
Total assets
$547.6M
Answer first
Bank of Ocean City leads on profitability and lending quality and growth; The Farmers Bank of Willards leads on financial health and capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Farmers Bank of Willards
Higher TFS health score
Capitalization
The Farmers Bank of Willards
Higher comparable capital ratio
Profitability
Bank of Ocean City
Higher return on assets
Lending quality
Bank of Ocean City
Lower problem-loan measure
Growth
Bank of Ocean City
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bank of Ocean City | The Farmers Bank of Willards |
|---|---|---|
| TFS health score | 86.3/100 | 89.9/100Leads |
| Total assets | $695.0M | $547.6M |
| Total deposits / shares | $616.5M | $472.6M |
| Tier 1 capital ratio | 11.65% | 12.13%Leads |
| Return on assets | 1.37%Leads | 1.35% |
| Return on equity | 12.40%Leads |
Bank of Ocean City
6 branches
The Farmers Bank of Willards
8 branches
Both institutions report branches in 2 states: DE, MD.
Bank of Ocean City
Unavailable
The Farmers Bank of Willards
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bank of Ocean City
0 in TFS registry
The Farmers Bank of Willards
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bank of Ocean City score | Bank of Ocean City ROA | The Farmers Bank of Willards score | The Farmers Bank of Willards ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.96% | — | 1.06% |
| 2024-Q4 | — | 0.99% | — | 1.10% |
| 2025-Q1 | — | 0.94% | — | 1.12% |
| 2025-Q2 | — | 1.05% | — | 1.15% |
| 2025-Q3 | — | 1.19% | — | 1.25% |
| 2025-Q4 | — | 1.22% | — | 1.27% |
| 2026-Q1 | 83.8/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 11.73% |
| Non-performing loans | 0.59%Leads | 0.70% |
| Net charge-offs | 0.00%Leads | 0.11% |
| Efficiency ratio | 46.20%Leads | 59.13% |
| Loan-to-deposit ratio | 84.33% | 83.02% |
| Asset growth (YoY) | -0.09%Leads | -0.31% |
| Deposit / share growth (YoY) | -1.30% | 2.53%Leads |
| Branches | 6 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.33% |
| 86.1/100 |
| 1.30% |
| 2026-Q2 | 86.3/100 | 1.37% | 89.9/100 | 1.35% |