Ocean Bank

Ocean Bank of Miami, FL, chartered 1982: 25 offices, $7.63bn in assets, a 9.96% leverage ratio. Straight from the federal record.

Ocean Bank is an FDIC-insured community bank headquartered in Miami, FL, chartered in 1982. It is supervised by the FDIC and held by Ocean Bankshares Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Ocean Bank has branches

25 full-service offices across 1 state:

• Florida: 25 offices in 13 towns, holding $6.13bn at 30 June 2025

Ocean Bank on its latest Call Report, 30 June 2026

• Total assets: $7.63bn
• Total deposits: $6.21bn
• Tier 1 leverage ratio: 9.96%
• Total risk-based capital ratio: 12.66%
• Noncurrent loans, as a share of loans: 0.38%
• Return on assets: 1.08%
• Net interest margin: 3.47%
• Staff: 657

Compare Ocean Bank against every other bank with a branch in Florida, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.