Ocean Bank is a state-chartered bank headquartered in Miami, Florida, in business for about 44 years. At the end of Q2 2026 it reported $7.6B in total assets and $6.2B in deposits, with 25 offices.
Based on its Q2 2026 filing, Ocean Bank scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 63rd. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (27/100; 99% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 64 |
| Q2 2026 | 63 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.26% |
| Q3 2024 | 10.21% |
| Q4 2024 | 9.83% |
| Q1 2025 | 9.88% |
| Q2 2025 | 9.64% |
| Q3 2025 | 9.62% |
| Q4 2025 | 9.68% |
| Q1 2026 | 9.87% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $7.6B | 9.96% | 0.38% | 1.08% | 98.8% |
| Q1 2026 | 64 | $7.5B | 9.87% | 0.39% | 1.06% | 92.3% |
| Q4 2025 | 64 | $7.4B | 9.68% | 0.22% | 0.92% | 94.0% |
| Q3 2025 | 63 | $7.4B | 9.62% | 0.25% | 0.90% | 91.7% |
| Q2 2025 | 63 | $7.2B | 9.64% | 0.21% | 0.87% | 91.6% |
| Q1 2025 | 64 | $6.9B | 9.88% | 0.25% | 0.89% | 92.1% |
| Q4 2024 | 65 | $6.7B | 9.83% | 0.03% | 0.92% | 97.2% |
| Q3 2024 | 67 | $6.7B | 10.21% | 0.04% | 0.94% | 95.4% |
| Q2 2024 | 67 | $6.4B | 10.26% | 0.05% | 0.94% | 93.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bradesco BankBank Coral Gables, FL | 64 out of 100, Moderate | $6.1B | 10.1% | 0.15% | vs |
| Banesco USABank Miami, FL | 72 out of 100, Strong | $6.0B | 11.5% | 0.49% | vs |
| Emigrant BankBank Miami, FL | 55 out of 100, Moderate | $5.7B | 20.3% | 4.77% | vs |
| First Federal BankBank Lake City, FL | 50 out of 100, Below average | $4.5B | 10.8% | 2.96% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Banco do Brasil AmericasBank Miami, FL | 72 out of 100, Strong | $3.5B | 10.9% | 0.83% | vs |
Deposit insurance
Is my money safe at Ocean Bank?
Yes. Ocean Bank is an FDIC-insured institution (FDIC certificate #24156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.9% of deposits ($2.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.66% (benchmark: 10%).
25 locations
Branches
Ocean Bank lists 25 offices in 13 cities. Most locations:
- Miami, FL (10)
- Coral Gables, FL (2)
- Doral, FL (2)
- Hialeah, FL (2)
- Aventura, FL (1)
- Boca Raton, FL (1)
- Fort Lauderdale, FL (1)
- Miami Beach, FL (1)
- Miami Lakes, FL (1)
- Orlando, FL (1)
- Pinecrest, FL (1)
- West Miami, FL (1)
HMDA 2025
Mortgage lending
In 2025, Ocean Bank reported 91 home-loan applications under HMDA (LEI 549300D4L76B477GHY32): 38 originated ($216,960,000 total), 18 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Ocean Bank
- Former names
- Ocean Bank of Miami
- Type
- State-chartered bank
- FDIC certificate #
- 24156
- RSSD ID
- 663834
- Primary regulator
- FDIC
- Holding company
- Ocean Bankshares Inc
- Established
- December 9, 1982
- Headquarters
- 780 Nw 42nd Ave, Miami, FL 33126
- Website
- www.oceanbank.com
- Employees
- 657
Quick answers
Ocean Bank: common questions
Is Ocean Bank FDIC insured?
Yes. Ocean Bank is an FDIC-insured institution (FDIC certificate #24156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ocean Bank's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ocean Bank ever failed?
There is no failure record for FDIC certificate #24156 in the FDIC failed bank list.
How many branches does Ocean Bank have?
25 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |