Ocean Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ocean Bank of Miami, FL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.34% | -0.23% | 35th below |
| ROAE | 11.58% | 12.34% | -0.76% | 43rd below |
| Net Interest Margin | 3.43% | 3.83% | -0.40% | 32nd below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 58.75% | 58.97% | -0.22% | 49th below |
| PPNR / Avg Assets | 1.56% | — | — | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.71% | -0.14% | 52nd above |
| Cost of Funds | 2.25% | 2.02% | +0.23% | 33rd below |
| Net Interest Spread | 2.42% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.87% | -0.49% | 62nd above |
| NPA / Total Assets | 0.31% | — | — | 60th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 65th above |
| ACL / Total Loans | 1.38% | — | — | 78th top |
| ACL / NPLs (Coverage) | 362.89% | — | — | 69th above |
| Texas Ratio | 2.89% | 5.48% | -2.59% | 58th above |
| Provision / NCO | 3333.33% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.41% | 14.99% | -3.58% | 15th bottom |
| Tier 1 Ratio | 11.41% | 15.02% | -3.61% | 15th bottom |
| Total Capital Ratio | 12.66% | — | — | 17th bottom |
| Leverage Ratio | 9.96% | 11.11% | -1.15% | 35th below |
| Equity / Assets | 9.62% | 11.02% | -1.40% | 35th below |
| TCE / Tangible Assets | 9.61% | — | — | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.14% | 86.99% | +13.15% | 17th bottom |
| Core Deposit Ratio | 82.99% | 85.57% | -2.58% | 28th below |
| Uninsured Deposit Ratio | 45.92% | 33.19% | +12.73% | 15th bottom |
| Wholesale Funding Ratio | 7.87% | — | — | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.19% | — | — | 48th below |
| Loan Growth (Y/Y) | 9.14% | — | — | 70th above |
| Deposit Growth (Y/Y) | 1.26% | — | — | 24th bottom |
See Ocean Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ocean Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ocean Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ocean Bank peer analysis.