Ocean Bank
Headquartered in Miami, Ocean Bank serves the Florida market as a community-focused commercial bank. On its most recent Q1 2026 call report, Ocean reported $7.5B in total assets against $6.4B in deposits. Profitability tracks the broader industry — ROA 1.07%, ROE 11.23%, NIM 3.38%. Regulatory capital is solid — 11.56% CET1 and 12.81% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.38%. Ocean operates a 24-branch network.
Headquarters Profile
- Address
- 780 Nw 42nd Ave, MIAMI, FL 33126
- County
- Miami-Dade
- Metro Area
- MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- December 9, 1982
- Branches
- 24 domestic
- Employees (FTE)
- 660
- FDIC Cert
- 24156
- Fed RSSD
- 663834
- Website
- www.oceanbank.com →
- Parent Holding Company
- OCEAN BANKSHARES, INC. (RSSD 1136661)
Capital & Liquidity
Inside the full Ocean Bank terminal
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Ocean Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeFailure, Government Assistance ProvidedFFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Ocean Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Ocean Bank
What are Ocean Bank's total assets?
As of the Q1 2026 filing, Ocean Bank reported total assets of $7.53 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ocean Bank headquartered?
Ocean Bank is headquartered in MIAMI, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ocean Bank founded?
Ocean Bank was established in 1982, per the FDIC institution directory.
Is Ocean Bank FDIC-insured?
Yes. Ocean Bank is an FDIC-insured commercial bank (FDIC Certificate #24156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ocean Bank?
Ocean Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ocean Bank's CET1 capital ratio?
Ocean Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.56% in its most recent quarterly filing — above regulatory minimums.
How many branches does Ocean Bank operate?
Ocean Bank operates 24 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Ocean Bank's Texas Ratio?
Ocean Bank's Texas Ratio is 2.93% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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