Bank Comparison
Ocean Bank vs Central Pacific 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 | Ocean Bank | Central Pacific Bank |
|---|---|---|
| CET1 Ratio | 11.56% | 13.39% |
| Tier 1 Capital Ratio | 11.56% | 13.39% |
| Total Capital Ratio | 12.81% | 14.60% |
| Tier 1 Leverage Ratio | 9.87% | 9.62% |
| Equity / Assets | 9.48% | 8.49% |
Profitability
| Metric | Ocean Bank | Central Pacific Bank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 1.18% |
| Return on Equity (ROE) | 11.23% | 13.98% |
| Net Interest Margin (NIM) | 3.38% | 3.54% |
| Yield on Earning Assets | 5.52% | 4.39% |
| Cost of Funds | 2.31% | 0.89% |
Asset quality
| Metric | Ocean Bank | Central Pacific Bank |
|---|---|---|
| Texas Ratio | 2.93% | 2.27% |
| Non-Performing Loan Ratio | 0.38% | 0.29% |
| Non-Performing Asset Ratio | 0.30% | 0.21% |
| Net Charge-Off Ratio | -0.02% | 0.18% |
| ACL / Loans | 1.41% | 1.13% |
Balance sheet
| Metric | Ocean Bank | Central Pacific Bank |
|---|---|---|
| Total Assets | $7,534M | $7,489M |
| Total Deposits | $6,381M | $6,704M |
| Total Loans | $5,976M | $5,322M |
| Total Equity | $714,119K | $635,758K |
| Net Income (quarter) | $19,821K | $22,186K |
Liquidity & funding
| Metric | Ocean Bank | Central Pacific Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.66% | 79.39% |
| Core Deposit Ratio | 84.01% | 91.57% |
| Uninsured Deposit Ratio | 43.88% | 41.93% |
Identity
| Metric | Ocean Bank | Central Pacific Bank |
|---|---|---|
| Headquarters City | MIAMI | HONOLULU |
| Headquarters State | FL | HI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 24 | 27 |
| Employees (FTE) | 660 | 732 |
| Established | Dec. 9, 1982, midnight | Feb. 15, 1954, 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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