Bank Comparison
Ocean Bank vs Banesco USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| CET1 Ratio | 11.56% | — |
| Tier 1 Capital Ratio | 11.56% | — |
| Total Capital Ratio | 12.81% | — |
| Tier 1 Leverage Ratio | 9.87% | 11.34% |
| Equity / Assets | 9.48% | 10.40% |
Profitability
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 1.28% |
| Return on Equity (ROE) | 11.23% | 12.17% |
| Net Interest Margin (NIM) | 3.38% | 3.39% |
| Yield on Earning Assets | 5.52% | 5.50% |
| Cost of Funds | 2.31% | 2.29% |
Asset quality
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| Texas Ratio | 2.93% | 3.39% |
| Non-Performing Loan Ratio | 0.38% | 0.53% |
| Non-Performing Asset Ratio | 0.30% | 0.38% |
| Net Charge-Off Ratio | -0.02% | 0.05% |
| ACL / Loans | 1.41% | 1.03% |
Balance sheet
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| Total Assets | $7,534M | $5,775M |
| Total Deposits | $6,381M | $4,826M |
| Total Loans | $5,976M | $4,074M |
| Total Equity | $714,119K | $600,903K |
| Net Income (quarter) | $19,821K | $18,074K |
Liquidity & funding
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| Loan-to-Deposit Ratio | 93.66% | 84.42% |
| Core Deposit Ratio | 84.01% | 73.36% |
| Uninsured Deposit Ratio | 43.88% | 49.37% |
Identity
| Metric | Ocean Bank | Banesco USA |
|---|---|---|
| Headquarters City | MIAMI | MIAMI |
| Headquarters State | FL | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 24 | 6 |
| Employees (FTE) | 660 | 465 |
| Established | Dec. 9, 1982, midnight | Jan. 10, 2006, 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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