Ocean Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 4.2% to $6.60B. Ocean Bank has the 6th lowest CET1 ratio of the 56 banks headquartered in Florida, at 11.41% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Ocean Bank sits 2.08 points lower, at 11.41% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.41% |
| Tier 1 risk-based capital ratio | 11.41% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 9.96% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $753.3M |
| Tier 1 capital | $753.3M |
| Total risk-based capital | $835.9M |
| Total equity capital | $733.8M |
| Risk-weighted assets | $6.60B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.62% |
| Tangible equity to tangible assets | 9.61% |
| Equity capital to average assets | 9.71% |
| Internal capital growth rate | 11.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $8.5M |
| Common stock surplus | $150.5M |
| Retained earnings | $595.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.85% | 11.85% | 13.11% | 10.14% | $5.26B |
| Q4 2023 | 11.56% | 11.56% | 12.81% | 9.87% | $5.37B |
| Q1 2024 | 11.71% | 11.71% | 12.97% | 9.76% | $5.41B |
| Q2 2024 | 11.57% | 11.57% | 12.82% | 10.26% | $5.59B |
| Q3 2024 | 11.68% | 11.68% | 12.94% | 10.21% | $5.67B |
| Q4 2024 | 11.37% | 11.37% | 12.63% | 9.83% | $5.82B |
| Q1 2025 | 11.68% | 11.68% | 12.93% | 9.88% | $5.80B |
| Q2 2025 | 11.37% | 11.37% | 12.62% | 9.64% | $6.09B |
| Q3 2025 | 11.34% | 11.34% | 12.59% | 9.62% | $6.26B |
| Q4 2025 | 11.46% | 11.46% | 12.71% | 9.68% | $6.22B |
| Q1 2026 | 11.56% | 11.56% | 12.81% | 9.87% | $6.34B |
| Q2 2026 | 11.41% | 11.41% | 12.66% | 9.96% | $6.60B |
Ocean Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ocean Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ocean Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24156) · FFIEC NIC profile (RSSD 663834)