Side-by-side · Q2 2026 data
Ocean Bank vs First Federal Bank
Metric by metric
| Measure | Ocean Bank | First Federal Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 50 |
| Capital cushion | 50 | 58 (stronger) |
| Loan quality | 87 (stronger) | 1 |
| Earnings | 63 | 68 (stronger) |
| Funding & liquidity | 27 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 82 |
| Peer percentile | 30th | 7th |
| Total assets | $7.6B | $4.5B |
| Deposits / shares | $6.2B | $3.4B |
| Capital ratio | 9.96% | 10.83% (stronger) |
| Problem loans | 0.38% (stronger) | 2.96% |
| Net charge-offs | -0.00% (stronger) | 0.11% |
| Return on assets | 1.08% | 1.19% (stronger) |
| Loans ÷ deposits | 98.8% | 41.4% (stronger) |
| Uninsured deposits | 45.9% | 40.7% (stronger) |
| Offices | 25 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.0% | 13.5% |
Ocean Bank has the higher TellerScore (63 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Ocean Bank leads on 3 and First Federal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.