BanksOCEAN BANK

OCEAN BANK

MIAMI, FLLargeEst. Dec. 9, 1982, midnightFDIC #24156RSSD #663834FDIC
Latest · 2025-12-31

OCEAN BANK is an 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%. CET1 capital ratio: 11.46%, well above regulatory minimums. NPL ratio: 0.21% · Texas Ratio: 1.66%. Operates 24 domestic branches.

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 Margin3.61%
Yield on Assets6.00%
Cost of Funds2.46%

Asset Quality

NPL Ratio0.21%
Net Charge-Off Ratio0.03%
Texas Ratio1.66%
NPA Ratio0.17%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio11.46%
Tier 1 Capital11.46%
Total Capital Ratio12.71%
Leverage Ratio9.68%
Loan-to-Deposit95.29%

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