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Ocean Bank
Miami, FL · FDIC Certificate #24156 · Chartered 12/0
Total assets
$7.63B
Total deposits
$6.21B
Total equity
$733.77M
Net loans
$6.13B
Branches (offices)
25
Net income (YTD)
$40.78M
Rank: #206 of 4,213 U.S. banks by assets · #8 of 81 in Florida. Assets changed 5.2% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.41% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 9.62% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 45.9% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 98.8% |
| Real estate loans (share of loans) | 92.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.64B | 92.1% | |
| Commercial & industrial | $349.84M | 5.7% | |
| Consumer / individual | $34.24M | 0.6% | |
| Construction & development | $316.80M | 5.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.40B | $4.83B | $25.07M | $532.18M |
| Jun 2023 | $6.07B | $5.13B | $32.66M | $567.35M |
| Jun 2024 | $6.37B | $5.56B | $29.86M | $617.53M |
| Jun 2025 | $7.25B | $6.13B | $30.45M | $668.36M |
| Jun 2026 | $7.63B | $6.21B | $40.78M | $733.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $6.21B | 25 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.21B.
Similar-sized banks
Kearny Bank ($7.67B) · Bank Of Colorado ($7.61B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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