Ocean Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 269.25 percentage points lower than in Q1 2026, at 102.55%. Ocean Bank ranks 39th of 79 Florida banks on return on assets, in the upper half at 1.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Ocean Bank sits 0.16 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.41% |
| Tier 1 risk-based capital ratio | 11.41% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 9.62% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.35% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.89% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 102.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 11.58% |
| Net interest margin | 3.43% |
| Efficiency ratio | 58.75% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.14% |
| Core deposits to total deposits | 82.99% |
| Brokered deposits to total deposits | 0.43% |
| Deposits to assets | 81.38% |
| Securities to assets | 13.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.85% | 11.85% | 13.11% | 10.14% | 1.10% |
| Q4 2023 | 11.56% | 11.56% | 12.81% | 9.87% | 0.78% |
| Q1 2024 | 11.71% | 11.71% | 12.97% | 9.76% | 0.78% |
| Q2 2024 | 11.57% | 11.57% | 12.82% | 10.26% | 1.09% |
| Q3 2024 | 11.68% | 11.68% | 12.94% | 10.21% | 0.96% |
| Q4 2024 | 11.37% | 11.37% | 12.63% | 9.83% | 0.86% |
| Q1 2025 | 11.68% | 11.68% | 12.93% | 9.88% | 0.89% |
| Q2 2025 | 11.37% | 11.37% | 12.62% | 9.64% | 0.85% |
| Q3 2025 | 11.34% | 11.34% | 12.59% | 9.62% | 0.94% |
| Q4 2025 | 11.46% | 11.46% | 12.71% | 9.68% | 0.96% |
| Q1 2026 | 11.56% | 11.56% | 12.81% | 9.87% | 1.07% |
| Q2 2026 | 11.41% | 11.41% | 12.66% | 9.96% | 1.11% |
Ocean Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ocean Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ocean Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24156) · FFIEC NIC profile (RSSD 663834)