Bank Comparison
Kearny Bank vs Ocean Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| CET1 Ratio | 13.70% | 11.56% |
| Tier 1 Capital Ratio | 13.70% | 11.56% |
| Total Capital Ratio | 14.64% | 12.81% |
| Tier 1 Leverage Ratio | 8.92% | 9.87% |
| Equity / Assets | 9.47% | 9.48% |
Profitability
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 1.07% |
| Return on Equity (ROE) | 5.74% | 11.23% |
| Net Interest Margin (NIM) | 2.20% | 3.38% |
| Yield on Earning Assets | 4.47% | 5.52% |
| Cost of Funds | 2.35% | 2.31% |
Asset quality
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| Texas Ratio | 12.35% | 2.93% |
| Non-Performing Loan Ratio | 1.38% | 0.38% |
| Non-Performing Asset Ratio | 1.06% | 0.30% |
| Net Charge-Off Ratio | 0.04% | -0.02% |
| ACL / Loans | 0.77% | 1.41% |
Balance sheet
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| Total Assets | $7,591M | $7,534M |
| Total Deposits | $5,755M | $6,381M |
| Total Loans | $5,791M | $5,976M |
| Total Equity | $719,278K | $714,119K |
| Net Income (quarter) | $10,288K | $19,821K |
Liquidity & funding
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.62% | 93.66% |
| Core Deposit Ratio | 95.89% | 84.01% |
| Uninsured Deposit Ratio | 38.22% | 43.88% |
Identity
| Metric | Kearny Bank | Ocean Bank |
|---|---|---|
| Headquarters City | FAIRFIELD | MIAMI |
| Headquarters State | NJ | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 40 | 24 |
| Employees (FTE) | 537 | 660 |
| Established | Jan. 1, 1884, 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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