$7.53B
+8.8%y/y
Percentile by value80th percentileby value
FDIC
ASSETOB
Ocean Bank
Miami, FloridaFDIC Cert #24156
STATEEstablished 198224 branches
Holding company: OCEAN BANKSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportOcean Bank reported $7.53B in total assets. Deposits grew 9.47% over the prior year.
Return on assets was 1.06%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.87%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.38B
+9.5%y/y
Percentile by value83rd percentileby value
FDIC
DEP$5.89B
+9.8%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET1.06%
+16 bpsy/y
Peer standing27th percentile
FDIC
NETINC + ROA62.49%
−447 bpsy/y
Peer standing30th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.87%
−1 bpsy/y
Peer standing35th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $4.81B | $4.24B |
| Q3 2021 | $5.03B | $4.44B |
| Q4 2021 | $5.33B | $4.74B |
| Q1 2022 | $5.37B | $4.8B |
| Q2 2022 | $5.4B | $4.83B |
| Q3 2022 | $5.57B | $4.72B |
| Q4 2022 | $5.92B | $4.79B |
| Q1 2023 | $5.99B | $5.03B |
| Q2 2023 | $6.07B | $5.13B |
| Q3 2023 | $6.12B | $5.33B |
| Q4 2023 | $6.44B | $5.4B |
| Q1 2024 | $6.34B | $5.55B |
| Q2 2024 | $6.37B | $5.56B |
| Q3 2024 | $6.65B | $5.56B |
| Q4 2024 | $6.72B | $5.61B |
| Q1 2025 | $6.93B | $5.83B |
| Q2 2025 | $7.25B | $6.13B |
| Q3 2025 | $7.4B | $6.29B |
| Q4 2025 | $7.44B | $6.27B |
| Q1 2026 | $7.53B | $6.38B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $767M |
| Investor CRE | $3.06B |
| Multifamily | $832M |
| Construction | $350M |
| 1–4 family | $438M |
| C&I | $396M |
| Agriculture | $709K |
| Other | $137M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.06%27th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE11.23%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY3.43%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.49%30th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+9.47%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+9.80%73rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.87%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%17th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC522%99th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.06%49th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.03%Median 1.07%90th 1.75%Observations 83
ROE
FDIC
NETINC + ROE11.23%51st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.33%Median 10.96%90th 21.32%Observations 83
NIM
FDIC
NIM + NIMY3.43%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.60%90th 4.66%Observations 83
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.49%59th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.71%Median 64.78%90th 90.81%Observations 83
Deposits YoY
FDIC
DEP+9.47%60th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.83%Median +6.78%90th +30.32%Observations 81
Loans YoY
FDIC
LNLSNET+9.80%58th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.35%Median +8.10%90th +42.25%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.20%90th 1.78%Observations 79
Leverage
FDIC
RBC1AAJ9.87%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.50%Median 10.17%90th 18.01%Observations 83
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.78%90th 3.78%Observations 80
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC522%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 170%90th 329%Observations 61
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.06%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.80%Median 1.22%90th 1.52%Observations 9
ROE
FDIC
NETINC + ROE11.23%38th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.50%Median 11.93%90th 13.21%Observations 9
NIM
FDIC
NIM + NIMY3.43%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.17%Median 3.58%90th 4.39%Observations 9
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR62.49%50th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.04%Median 62.49%90th 70.64%Observations 9
Deposits YoY
FDIC
DEP+9.47%63rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.81%Median +5.03%90th +13.63%Observations 9
Loans YoY
FDIC
LNLSNET+9.80%63rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.48%Median +9.06%90th +19.43%Observations 9
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.39%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.29%Median 0.53%90th 3.48%Observations 9
Leverage
FDIC
RBC1AAJ9.87%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.99%Median 10.82%90th 12.90%Observations 9
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.38%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 3.14%90th 4.37%Observations 9
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC522%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 49%Median 115%90th 316%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
24 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data