Ocean Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.56 percentage points higher than in Q1 2026, at 525.61%. Among 81 Florida banks, Ocean Bank sits 7th from the top on loan-to-deposit ratio, 100.14% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ocean Bank sits 11.94 points higher, at 100.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.21B |
| Net loans and leases | $6.13B |
| Loans held for sale | $830K |
| Loans to total assets | 81.49% |
| Loan-to-deposit ratio | 100.14% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.33% |
| Multifamily (5+ residential) | 14.11% |
| Commercial and industrial | 5.63% |
| Consumer | 0.55% |
| Credit cards | 0.12% |
| Farm | 0.00% |
| Loans to depository institutions | 0.01% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 525.61% |
| Construction concentration (Tier 1 capital + allowance) | 37.75% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.93% |
| Interest income on loans | $90.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.96B | $5.33B | 63.49% | 5.14% | 0.64% |
| Q4 2023 | $5.04B | $5.40B | 61.74% | 5.57% | 0.66% |
| Q1 2024 | $5.04B | $5.55B | 61.73% | 6.23% | 0.62% |
| Q2 2024 | $5.28B | $5.56B | 62.29% | 6.25% | 0.61% |
| Q3 2024 | $5.38B | $5.56B | 62.98% | 6.12% | 0.58% |
| Q4 2024 | $5.53B | $5.61B | 62.40% | 6.81% | 0.58% |
| Q1 2025 | $5.44B | $5.83B | 63.88% | 6.73% | 0.56% |
| Q2 2025 | $5.69B | $6.13B | 63.59% | 6.46% | 0.55% |
| Q3 2025 | $5.86B | $6.29B | 62.16% | 6.64% | 0.56% |
| Q4 2025 | $5.98B | $6.27B | 63.43% | 6.86% | 0.56% |
| Q1 2026 | $5.98B | $6.38B | 63.97% | 6.63% | 0.55% |
| Q2 2026 | $6.21B | $6.21B | 64.33% | 5.63% | 0.55% |
Ocean Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ocean Bank, freeSource: Call Report Schedule RC-C, 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)