Bank Comparison
Amerant Bank, N.A. vs Ocean Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| CET1 Ratio | 12.72% | 11.56% |
| Tier 1 Capital Ratio | 12.72% | 11.56% |
| Total Capital Ratio | 13.88% | 12.81% |
| Tier 1 Leverage Ratio | 10.02% | 9.87% |
| Equity / Assets | 9.91% | 9.48% |
Profitability
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 1.07% |
| Return on Equity (ROE) | 8.78% | 11.23% |
| Net Interest Margin (NIM) | 3.53% | 3.38% |
| Yield on Earning Assets | 5.76% | 5.52% |
| Cost of Funds | 2.39% | 2.31% |
Asset quality
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| Texas Ratio | 18.46% | 2.93% |
| Non-Performing Loan Ratio | 2.57% | 0.38% |
| Non-Performing Asset Ratio | 1.92% | 0.30% |
| Net Charge-Off Ratio | 0.44% | -0.02% |
| ACL / Loans | 1.17% | 1.41% |
Balance sheet
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| Total Assets | $9,880M | $7,534M |
| Total Deposits | $7,947M | $6,381M |
| Total Loans | $6,753M | $5,976M |
| Total Equity | $979,090K | $714,119K |
| Net Income (quarter) | $21,474K | $19,821K |
Liquidity & funding
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.98% | 93.66% |
| Core Deposit Ratio | 90.91% | 84.01% |
| Uninsured Deposit Ratio | 43.04% | 43.88% |
Identity
| Metric | Amerant Bank, N.A. | Ocean Bank |
|---|---|---|
| Headquarters City | CORAL GABLES | MIAMI |
| Headquarters State | FL | FL |
| Asset Tier | Large | Large |
| Charter Class | 16804 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 24 | 24 |
| Employees (FTE) | 699 | 660 |
| Established | Sept. 17, 1979, midnight | Dec. 9, 1982, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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