Miami, FL · Cert 24156 · Ocean Bankshares Inc.
State charter, non-member · FDIC · 25 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
62
Profitability
38
Liquidity
22
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Miami, FL · Cert 24156 · Ocean Bankshares Inc.
State charter, non-member · FDIC · 25 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.8% share · #11 of 86 inst. · $6.2B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.92% | 0.89% | 0.87% | 0.90% | 0.92% | 1.06% | 1.08% | +21 bps | |
| Return on Equity | 9.89% | 9.71% | 9.49% | 9.34% | 9.63% | 9.79% | 11.23% | 11.41% | +206 bps | |
| Net Interest Margin | 3.31% | 3.22% | 3.18% | 3.12% | 3.11% | 3.18% | 3.28% | 3.28% | +16 bps | |
| Efficiency Ratio | 66.18% | 66.74% | 66.97% | 65.64% | 63.64% | 63.84% | 62.49% | 60.58% | -506 bps | |
| Non-Interest Burden | 2.04% | 2.01% | 1.99% | 1.90% | 1.83% | 1.87% | 1.90% | 1.82% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.73% | 4.29% | 9.24% | 13.85% | 11.21% | 10.67% | 8.78% | 5.19% | -865 bps | |
| Loan Growth (YoY) | 8.55% | 9.88% | 7.95% | 7.79% | 8.82% | 8.01% | 9.81% | 9.14% | +135 bps | |
| Deposit Growth (YoY) | 4.47% | 3.94% | 5.08% | 10.18% | 13.14% | 11.70% | 9.47% | 1.26% | -892 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.25% | 0.21% | 0.25% | 0.22% | 0.39% | 0.38% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | 0.05% | 0.03% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 1.41% | 1.37% | 1.40% | 1.39% | 1.38% | 1.40% | 1.41% | 1.38% | -1 bps | |
| Allowance Coverage of NPLs | 32.8x | 40.1x | 5.7x | 6.5x | 5.6x | 6.5x | 3.6x | 3.6x | -2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 9.83% | 9.88% | 9.64% | 9.62% | 9.68% | 9.87% | 9.96% | +32 bps | |
| Total Risk-Based Capital | 12.94% | 12.63% | 12.93% | 12.62% | 12.59% | 12.71% | 12.81% | 12.66% | +4 bps | |
| Equity / Assets | 9.60% | 9.44% | 9.42% | 9.22% | 9.38% | 9.38% | 9.48% | 9.62% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.72% | 98.55% | 93.36% | 92.91% | 93.03% | 95.29% | 93.66% | 100.14% | +723 bps | |
| Liquid Assets / Assets | 5.72% | 3.76% | 6.84% | 5.52% | 5.12% | 4.71% | 6.05% | 3.60% | -192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 685% | 695% | 683% | n/a | n/a | |
Miami, FL · Cert 24156 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Ocean Bankshares Inc.
State charter, non-member · FDIC · 25 branches
Q2 2026
Return on Assets
1.07%
Rank 162 of 258
Net Interest Margin
3.28%
Rank 172 of 258
Efficiency Ratio
60.58%
Rank 131 of 257
Equity / Assets
9.62%
Rank 159 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.93% | 1.23% | 1.54% | Beats 37% | 162 / 258 | ||
| Return on Equity | 11.12% | 9.26% | 11.84% | 14.74% | Beats 44% | 144 / 258 | ||
| Net Interest Margin | 3.28% | 3.16% | 3.49% | 3.88% | Beats 33% | 172 / 258 | ||
| Efficiency Ratio | 60.58% | 51.71% | 60.30% | 69.65% | Beats 49% | 131 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.19% | 0.46% | 0.90% | Beats 57% | 112 / 258 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 67% | 88 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.41% | 11.41% | 12.98% | 15.12% | Beats 25% | 194 / 258 | ||
| Total Risk-Based Capital Ratio | 12.66% | 12.10% | 13.91% | 16.08% | Beats 33% | 173 / 258 | ||
| Equity / Assets | 9.62% | 9.09% | 10.24% | 11.72% | Beats 38% | 159 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.14% | 73.24% | 86.34% | 95.95% | 84th pctl | 42 / 258 | ||
| Loans / Assets | 81.49% | 63.01% | 72.27% | 78.40% | 85th pctl | 39 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||