BlastPoint's Banking Scorecard
Ocean Bank
Mid-Market
Specialty: Commercial
FL
FDIC cert 24156
Designations: ✓ Community bank
Miami, FL
201
banks in Mid-Market tier nationally
6 in FL
View Mid-Market leaderboard (FL) →
Ocean Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 46% in Mid-Market
- - Credit Risk Growth: Bottom 47% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.4B
+10.7% YoY
+0.5% QoQ
|
-$3.0B |
$10.5B
+2.9% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$5.9B
+8.0% YoY
+2.0% QoQ
|
-$1.2B |
$7.1B
+4.5% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$6.3B
+11.7% YoY
-0.4% QoQ
|
-$2.3B |
$8.5B
+3.0% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.92%
-0.4% YoY
+1.7% QoQ
|
-0.25% |
1.16%
+9.4% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.45%
-2.5% YoY
+0.8% QoQ
|
+0.06% |
3.40%
+7.9% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
63.84%
-4.4% YoY
+0.3% QoQ
|
+7.23% |
56.60%
-3.2% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.22%
+532.6% YoY
-12.9% QoQ
|
-0.46% |
0.68%
+12.0% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
93.95%
-3.3% YoY
+2.4% QoQ
|
+8.48% |
85.47%
+1.1% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
27.66%
-9.3% YoY
-3.5% QoQ
|
+7.02% |
20.64%
-0.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.18%
+347.4% YoY
-11.5% QoQ
|
-0.32% |
0.50%
+7.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.46%
+0.7% YoY
+1.0% QoQ
|
-2.09% |
13.55%
+1.8% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.44%
+2.3% YoY
+39.8% QoQ
|
-0.52% |
0.96%
+7.1% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#2 of 50 · Top 2% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.22%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Liquidity Strain
risk
#37 of 80 · Bottom 46% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.95%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#41 of 87 · Bottom 47% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 27.66% · Tier avg: 20.64%
49
49th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
48
48th pctile
Total Loans
Current: $5.9B · Tier avg: $7.1B
41
41th pctile
Total Deposits
Current: $6.3B · Tier avg: $8.5B
37
37th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
31
31th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.95% · Tier avg: 85.47%
27
27th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.96%
26
26th pctile
Efficiency Ratio
Current: 63.84% · Tier avg: 56.60%
20
20th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 13.55%
Top Weaknesses
20
20th pctile
Tier 1 Capital Ratio
Current: 11.46% · Tier avg: 13.55%
26
26th pctile
Efficiency Ratio
Current: 63.84% · Tier avg: 56.60%
27
27th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.96%
27
27th pctile
Loan-to-Deposit Ratio
Current: 93.95% · Tier avg: 85.47%
31
31th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
37
37th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
41
41th pctile
Total Deposits
Current: $6.3B · Tier avg: $8.5B
48
48th pctile
Total Loans
Current: $5.9B · Tier avg: $7.1B
49
49th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 27.66% · Tier avg: 20.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%