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 | |