Ocean Bank
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
$7.6BAssets
$6.2BLoans
$6.2BDeposits
$733.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 88 of 258).
- Widest gap: tier 1 capital ratio trails 75% of banks $1B-$10B in assets operating in a single state (rank 194 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $137.8M · efficiency ratio beats 49% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |