BlastPoint

BlastPoint's Banking Scorecard

Ocean Bank

$1B-$10B Specialty: Commercial FL FDIC cert 24156

Designations: ✓ Community bank ✓ Minority Depository Institution

Miami, FL

25 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits +1.3% year over year ($6.2B on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.08%.
  • Efficiency ratio 60.58% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

Ocean Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.0% in tier
  • - Capital Thin: Bottom 49.5% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.40% below tier average
  • - Efficiency Ratio 0.85% above tier average
Get updates when Ocean Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $7.6B
+5.2% YoY +1.2% QoQ
+$4.8B $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
Top 5.1% in tier
Total Loans ? $6.1B
+9.1% YoY +4.0% QoQ
+$4.2B $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Top 3.3% in tier
Total Deposits ? $6.2B
+1.3% YoY -2.8% QoQ
+$3.9B $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
Top 5.1% in tier
Return on Assets ? 1.08%
+23.9% YoY +2.2% QoQ
-0.31% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.47%
+2.3% YoY +1.2% QoQ
-0.40% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 60.58%
-7.7% YoY -3.1% QoQ
+0.85% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.39%
+77.3% YoY -1.8% QoQ
-0.48% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 98.75%
+7.8% YoY +6.9% QoQ
+13.72% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 28.74%
+1.1% YoY +1.0% QoQ
+7.47% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.31%
+73.2% YoY +0.1% QoQ
-0.36% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 11.41%
+0.4% YoY -1.3% QoQ
-3.43% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.21%
-2.9% YoY +112.3% QoQ
-0.32% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 28.7%
+0.3pp YoY
+0.3pp QoQ
 +7.4pp 21.4% 27.7% 22.2% 82%
Brokered Deposits 0.4%
-1.4pp YoY
-2.7pp QoQ
 -9.0pp 9.5% 8.7% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 5.7%
-0.8pp YoY
-1.0pp QoQ
 -8.3pp 14.0% 12.9% 12.5% 22%
CRE 84.7%
+1.3pp YoY
-0.2pp QoQ
 +34.7pp 50.0% 50.6% 41.4% 98%
1-4 Family 7.4%
+0.2pp YoY
-0.1pp QoQ
 -19.0pp 26.4% 30.7% 31.3% 10%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -4.2pp 4.7% 3.7% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 11.4%
0.0pp YoY
-0.2pp QoQ
 -4.2pp 15.6% 19.8% 19.7% 15%
Leverage Ratio 10.0%
+0.3pp YoY
+0.1pp QoQ
 -1.3pp 11.3% 13.9% 12.6% 36%
Total Capital Ratio 12.7%
0.0pp YoY
-0.1pp QoQ
 -4.0pp 16.7% 21.1% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 657
-22 (-3.2%) YoY
-3 (-0.5%) QoQ
 +343 313 295 482 91%
Assets per Employee ($) $11.6M
+8.7% YoY
+1.7% QoQ
 +$1.1M $10.5M $10.3M $8.8M 76%
Branch Count 25
+1 (+4.2%) YoY
+1 (+4.2%) QoQ
 +5 20 13 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 6%
Nonaccrual 0.4%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.7% 1.0% 39%
Allowance Coverage 3.63x
-43.8% YoY
0.0% QoQ
 -15.08x 18.71x 16.62x 20.23x 69%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 11.4%
+2.1pp YoY
+0.2pp QoQ
 -1.2pp 12.6% 9.3% 11.6% 44%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.8% 1.7% 70%
Net Income ($, YTD) $40.8M
+33.9% YoY
— QoQ
 +$21.5M $19.2M $25.2M $40.4M 89%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#194 of 402 • Bottom 48.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#111 of 222 • Bottom 49.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.41%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

30
Total Loans
size
Value: $6.13B
Peer Median: $1.96B
#30 of 885 Top 3.3% in $1B-$10B
46
Total Assets
size
Value: $7.63B
Peer Median: $2.79B
#46 of 885 Top 5.1% in $1B-$10B
46
Total Deposits
size
Value: $6.21B
Peer Median: $2.32B
#46 of 885 Top 5.1% in $1B-$10B
163
Non-Interest-Bearing Deposit Share
funding
Value: 28.74%
Peer Median: 21.27%
#163 of 885 Top 18.3% in $1B-$10B

Top Weaknesses (2 metrics)

728
Loan-to-Deposit Ratio
liquidity
Value: 98.75%
Peer Median: 85.04%
#728 of 885 Bottom 17.9% in $1B-$10B
671
Tier 1 Capital Ratio
capital
Value: 11.41%
Peer Median: 14.84%
#671 of 885 Bottom 24.3% in $1B-$10B
Powered by BlastPoint © 2026