The Peoples Bank vs Bank Of Ocean City
Comparing a Bank in Chestertown, MD with a Bank in Ocean City, MD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Peoples Bank ↗ Bank · Chestertown, MD · Est. 1910 | Bank Of Ocean City ↗ Bank · Ocean City, MD · Est. 1916 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Chestertown, MD | Ocean City, MD |
| Total assets | $293.2M | $661.3M |
| Capital ratio | 13.5% | 11.3% |
| Return on assets | 1.2% | 1.3% |
| Deposits | $252.0M | $583.3M |
| Branches | 1 | 6 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 28 | #6 of 28 |
| Established | 1910 | 1916 |
The Peoples Bank
- Assets: $293.2M
- Deposits: $252.0M
- Capital ratio: 13.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #1 of 28
Bank Of Ocean City
- Assets: $661.3M
- Deposits: $583.3M
- Capital ratio: 11.3%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #6 of 28
Are both institutions federally insured?
Yes. The Peoples Bank is FDIC-insured and Bank Of Ocean City is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Peoples Bank or Bank Of Ocean City?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Peoples Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Peoples Bank safe?
Yes — The Peoples Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Bank Of Ocean City safe?
Yes — Bank Of Ocean City is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Peoples Bank vs Bank Of Ocean City?
The Peoples Bank has a capital ratio of 13.5%, placing it in the top 17% of $100M–1B peers. Bank Of Ocean City's ratio is 11.3%, placing it in the top 34% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Peoples Bank have compared to Bank Of Ocean City?
The CFPB database shows 0 complaints against The Peoples Bank, and 0 complaints against Bank Of Ocean City. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Peoples Bank with other Banks in Maryland
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
