Ocean Bank: how it compares with its peers
Against 227 U.S. banks with half to twice its assets, Ocean Bank's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $10.0M peer median). Its weakest relative measure is return on assets (1.08% vs. 1.34%).
| Measure | Ocean Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.34% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.47% | 3.70% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.58% | 54.93% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $10.0M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.75% | 88.02% | Context |
What it means for lending operations
Its efficiency ratio of 60.58% is above the 54.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Colorado Fort Collins, CO · $7.61B
- Kearny Bank Kearny, NJ · $7.67B
- Ridgewood Savings Bank Ridgewood, NY · $7.55B
- Equity Bank Andover, KS · $7.71B
- Northpointe Bank Grand Rapids, MI · $7.53B
- Preferred Bank Los Angeles, CA · $7.73B
Questions about Ocean Bank
How big is Ocean Bank?
Ocean Bank, established in 1982, is headquartered in Miami, FL. It reported $7.63B in total assets in its Q2 2026 FDIC call report and operates 25 offices.
What is Ocean Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.34% median for 227 U.S. banks with half to twice its assets, ahead of 27% of them.
What is Ocean Bank's efficiency ratio?
60.58% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 54.93%, and lower is better.
Is Ocean Bank growing its loans?
Net loans grew 9.1% over the year to Q2 2026, while deposits grew 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.