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Ocean Bank
Miami, FL·FDIC Cert #24156·Charter: STATE·Est. 19821209.0·HC: OCEAN BANKSHARES INC
Total Assets
$7.4B
Q4 2025
Return on Assets
0.92%
+0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.84%
Peer avg: 57.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.02
ROE
9.79%+0.16
Efficiency
63.84%+0.20
Equity/Assets
0.00%+0.00
NPL Ratio
0.22%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.95%+2.21
Charge-offs
0.03%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 | 0.9 |
| ROE | 8.5 | 9.9 | 9.9 | 9.7 | 9.5 | 9.3 | 9.6 | 9.8 |
| Efficiency | 70.6 | 67.0 | 66.2 | 66.7 | 67.0 | 65.6 | 63.6 | 63.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | 0.2 | 0.3 | 0.2 |
| Charge-offs | -0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 89.6 | 93.6 | 95.4 | 97.2 | 92.1 | 91.6 | 91.7 | 94.0 |
Balance Sheet
Total Assets$7.4B
Total Deposits$6.3B
Total Loans$5.9B
Total Equity$697.4M
Profitability
ROA0.92%
ROE9.79%
Efficiency Ratio63.84%
Net Income$65.5M
Risk & Asset Quality
NPL Ratio0.22%
Charge-off Rate0.03%
Loan/Deposit93.95%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans