Side-by-side · Q2 2026 data
Ocean Bank vs Emigrant Bank
Metric by metric
| Measure | Ocean Bank | Emigrant Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 55 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 63 (stronger) | 44 |
| Funding & liquidity | 27 | 64 (stronger) |
| Problem-loan coverage | 94 (stronger) | 69 |
| Peer percentile | 30th | 13th |
| Total assets | $7.6B | $5.7B |
| Deposits / shares | $6.2B | $4.2B |
| Capital ratio | 9.96% | 20.30% (stronger) |
| Problem loans | 0.38% (stronger) | 4.77% |
| Net charge-offs | -0.00% (stronger) | 0.67% |
| Return on assets | 1.08% (stronger) | 0.60% |
| Loans ÷ deposits | 98.8% | 93.2% (stronger) |
| Uninsured deposits | 45.9% | 17.5% (stronger) |
| Offices | 25 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.0% | — |
Ocean Bank has the higher TellerScore (63 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ocean Bank leads on 4 and Emigrant Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.