Ocean Bank

BankMiami, Florida
www.oceanbank.com

Total Assets

$7.4B

Total Deposits

$6.3B

Branches

24

Established

1982

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

Ocean Bank is a bank headquartered in Miami, Florida, established in 1982. With $7.4B in total assets and 24 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
9.68%(8%)
Total Capital Ratio
12.71%(10%)
Non-Performing Loan Ratio
0.22%

Profitability

Return on Assets (ROA)
0.92%(1%)
Return on Equity (ROE)
9.79%(10%)
Net Interest Margin
3.45%
Efficiency Ratio
63.83%(60%)

Lending & Liquidity

Total Loans
$6.0B
Loan-to-Deposit Ratio
93.95%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+10.67%
Deposit Growth (YoY)
+11.70%
Net Income
$65.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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