Bank Comparison
Emigrant Bank vs Ocean Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| CET1 Ratio | 17.90% | 11.56% |
| Tier 1 Capital Ratio | 17.90% | 11.56% |
| Total Capital Ratio | 19.15% | 12.81% |
| Tier 1 Leverage Ratio | 19.17% | 9.87% |
| Equity / Assets | 20.77% | 9.48% |
Profitability
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| Return on Assets (ROA) | 0.48% | 1.07% |
| Return on Equity (ROE) | 2.38% | 11.23% |
| Net Interest Margin (NIM) | 4.19% | 3.38% |
| Yield on Earning Assets | 6.53% | 5.52% |
| Cost of Funds | 3.02% | 2.31% |
Asset quality
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| Texas Ratio | 15.20% | 2.93% |
| Non-Performing Loan Ratio | 4.31% | 0.38% |
| Non-Performing Asset Ratio | 3.07% | 0.30% |
| Net Charge-Off Ratio | 1.27% | -0.02% |
| ACL / Loans | 1.84% | 1.41% |
Balance sheet
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| Total Assets | $5,853M | $7,534M |
| Total Deposits | $4,381M | $6,381M |
| Total Loans | $3,988M | $5,976M |
| Total Equity | $1,215M | $714,119K |
| Net Income (quarter) | $7,216K | $19,821K |
Liquidity & funding
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.05% | 93.66% |
| Core Deposit Ratio | 98.21% | 84.01% |
| Uninsured Deposit Ratio | 19.39% | 43.88% |
Identity
| Metric | Emigrant Bank | Ocean Bank |
|---|---|---|
| Headquarters City | MIAMI | MIAMI |
| Headquarters State | FL | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 24 |
| Employees (FTE) | 419 | 660 |
| Established | Sept. 14, 2001, 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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