OCEAN BANK

MIAMI, FL | Large | Est. Dec. 9, 1982, midnight | FDIC #24156 | RSSD #663834 | FDIC
Latest Report: 2025-12-31

OCEAN BANK is aln large FDIC-insured commercial bank headquartered in MIAMI, FL, established in Dec. 9, 1982, midnight. As of 2025-12-31, the bank reported total assets of $7.4B and total deposits of $6.3B. Profitability stands at 0.95% ROA and 10.17% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 11.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.66%. FDIC Certificate #24156.

Assets

$7.4B

Deposits

$6.3B

Loans

$6.0B

Equity

$697M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 10.17%
Net Interest Margin (NIM) 3.61%
Yield on Assets 6.00%
Cost of Funds 3.54%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.66%
NPA Ratio 0.17%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 11.46%
Tier 1 Capital 11.46%
Total Capital Ratio 12.71%
Leverage Ratio 9.68%
Loan-to-Deposit 95.29%

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