Side-by-side · Q2 2026 data
Ocean Bank vs Banesco USA
Metric by metric
| Measure | Ocean Bank | Banesco USA |
|---|---|---|
| TellerScore | 63 | 72 (stronger) |
| Capital cushion | 50 | 65 (stronger) |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 27 | 44 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 30th | 66th |
| Total assets | $7.6B | $6.0B |
| Deposits / shares | $6.2B | $5.2B |
| Capital ratio | 9.96% | 11.46% (stronger) |
| Problem loans | 0.38% (stronger) | 0.49% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.08% | 1.47% (stronger) |
| Loans ÷ deposits | 98.8% | 76.0% (stronger) |
| Uninsured deposits | 45.9% (stronger) | 51.6% |
| Offices | 25 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.0% | — |
Banesco USA has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Ocean Bank leads on 3 and Banesco USA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.