$5.98B
+9.8%y/y
Percentile by value87th percentileby value
FDIC
LNLSGROB
Ocean Bank
Miami, FloridaFDIC Cert #24156
STATEEstablished 198224 branches
Holding company: OCEAN BANKSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$5.89B
+9.8%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET+9.80%
+22.9%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET92.3%
+0.3%y/y
Percentile by value68th percentileby value
FDIC
LNLSNET + DEP78.2%
+0.9%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET + ASSET93.95%
+1.0%y/y
Percentile by value82nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
522%
+4.0%y/y
Percentile by value99th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC43%
+35.8%y/y
Percentile by value53rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,113points
+2.7%y/y
Peer standing15th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.83%
−8.3%y/y
Percentile by value60th percentileby value
FDIC
LNRENROW + LNLSGR51.14%
+2.5%y/y
Percentile by value99th percentileby value
FDIC
LNRENROT + LNLSGR6.63%
−1.5%y/y
Percentile by value24th percentileby value
FDIC
LNCI + LNLSGR