Ocean Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 8.55 percentage points higher than in Q1 2026, at 120.04%. Among 81 Florida banks, Ocean Bank sits 7th from the top on loan-to-deposit ratio, 100.14% as of Q2 2026. Ocean Bank reported 100.14% on loan-to-deposit ratio for Q2 2026, 11.94 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $133.2M |
| Cash and noninterest-bearing balances to assets | 1.75% |
| Cash and securities | $1.14B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $600.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.14% |
| Net loans and leases to deposits | 98.75% |
| Loans and leases to core deposits | 120.04% |
| Core deposits to total deposits | 82.99% |
| Brokered deposits to total deposits | 0.43% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.08% | 85.67% | $0 | $110.0M |
| Q4 2023 | 93.22% | 84.97% | $0 | $335.0M |
| Q1 2024 | 90.88% | 84.78% | $0 | $95.0M |
| Q2 2024 | 94.97% | 84.48% | $0 | $100.0M |
| Q3 2024 | 96.72% | 83.90% | $0 | $355.0M |
| Q4 2024 | 98.55% | 82.91% | $0 | $355.0M |
| Q1 2025 | 93.36% | 82.30% | $0 | $355.0M |
| Q2 2025 | 92.91% | 81.60% | $0 | $365.0M |
| Q3 2025 | 93.03% | 83.22% | $0 | $315.0M |
| Q4 2025 | 95.29% | 80.00% | $0 | $357.0M |
| Q1 2026 | 93.66% | 80.84% | $0 | $357.0M |
| Q2 2026 | 100.14% | 82.99% | $0 | $600.0M |
Ocean Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Ocean Bank, freeSource: Call Report Schedules RC and RC-M, 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)