BlastPoint's Banking Scorecard
Ocean Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Miami, FL
24 branches across FL
Ocean Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44.6% in tier
- - ROA 0.31% below tier average
- - Net Interest Margin 0.39% below tier average
- - Efficiency Ratio 1.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.5B
+8.8% YoY
+1.3% QoQ
|
+$4.7B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
Top 6.0% in tier |
| Total Loans ? |
$5.9B
+9.8% YoY
-0.0% QoQ
|
+$3.9B |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Top 3.8% in tier |
| Total Deposits ? |
$6.4B
+9.5% YoY
+1.7% QoQ
|
+$4.0B |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
Top 5.1% in tier |
| Return on Assets ? |
1.06%
+18.4% YoY
+15.5% QoQ
|
-0.31% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.43%
+1.6% YoY
-0.6% QoQ
|
-0.39% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
62.49%
-6.7% YoY
-2.1% QoQ
|
+1.43% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.39%
+56.7% YoY
+78.9% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
92.34%
+0.3% YoY
-1.7% QoQ
|
+8.13% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
28.46%
-2.7% YoY
+2.9% QoQ
|
+7.17% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.31%
+51.0% YoY
+75.4% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
11.56%
-1.0% YoY
+0.9% QoQ
|
-3.60% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.10%
-8.1% YoY
-77.9% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
31% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.