C
Ocean Bank
MiamiFL
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Ocean Bank
Miami, FL
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Rating C
Asset Quality Index 7.30
Capitalization Index 8.00
Liquidity Index 0.90
Profitability Index 4.60
Stability Index 4.30
Company Info Ocean Bank
Miami, FL
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FDIC Number 24156
Phone Number (305) 442-2660
Website www.oceanbank.com
Asset Quality Ocean Bank
Miami, FL
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1-Year Asset Growth 10.67%
5-Year Asset Growth 12.81%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 1.63%
Non-Performing Loans to Loans 0.21%
Balance Sheet Ocean Bank
Miami, FL
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Total Assets 7.44B
Total Deposits 6.27B
Capital and Reserves Ocean Bank
Miami, FL
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Capital 697.39M
Leverage Ratio 9.68
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 12.71
Liquidity Ocean Bank
Miami, FL
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Hot Money Ratio 28.29%
Liquidity Ratio 17.49%
Profitability Ocean Bank
Miami, FL
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5-Year Return on Average Assets 0.92%
Net Income 65.50M
Net Interest Spread 3.35%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 63.84%
Return on Assets 0.91%
Return on Equity 9.77%