# OCEAN BANK
MIAMI, FL · FDIC certificate 24156 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.63B | |
| Deposits | $6.21B | |
| Loans and leases | $6.21B | |
| Total equity | $733.8M | |
| Loans / deposits | 98.75% (p82 of band) | 87.10% |
| Liquid assets / assets | 14.94% (p23 of band) | |
| Uninsured deposits / deposits | 45.92% (p85 of band) | 30.76% |
| Brokered deposits | 0.35% | |
| Wholesale funding | 8.22% (p58 of band) | |
| FHLB advances / assets | 7.87% | |
| Tier 1 leverage | 9.96% (p36 of band) | 10.50% |
| Unrealized securities loss / equity | -2.43% (p77 of band) | -7.75% |
| AOCI / equity | -0.60% (p30 of band) | |
| ROA (annualized) | 1.08% (p36 of band) | 1.26% |
| Net interest margin | 3.47% (p35 of band) | 3.70% |
| Efficiency ratio | 60.58% (p55 of band) | |
| Noncurrent loans | 0.38% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 362.89% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 43.17% (p45 of band) | |
| Auto loans | $473,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $163.0M (22% of equity) (p93 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 657 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | leverage <5%, losing money, expense ratio p90 |  |
| 2011-09 | 8 |  |  |
| 2011-12 | 5 |  | construction >100% equity, leverage <5% |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-06 | 6 |  |  |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 4 |  | deposits shrinking |
| 2013-03 | 2 |  | leverage <7%, uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 0 |  | charge-offs p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Ocean Bank Leads South Florida Banking Community in Major Humanitarian Response for Venezuela in Partnership with Global Empowerment Mission (GEM) - Miami's Community News](https://news.google.com/rss/articles/CBMilAJBVV95cUxNT2hqTEJwTjlUS3dPMWpEbzJoS2FtRm9GeUdWNkFQUVpuc3M2ajVtOE41YTY3dmJuMzNYXzVnTnZ0cXdTOGFTeW5EcjlHSHZvWVFnbWhtVHNVQm1COEhDT2M1U0h4dHVELW5qQ2ZXWXU4dEFzNktDU2xDZTlrTlh4VnEySEdCLU5iRmhFYldRd3lMU3RvR2p4ZzJoNHJCSmlDaUNBWHUyZU1vQ2hWb29IbFp6Nm1jcGlVRE9PWFFFVmNRZW9xVDlDTUxXV1FrR1BEQ2NFVkRJQUctYlFldUhUUUhCaEZ5TG5PQm9JRmJvQktfLXFtWUlQQmczT3V1eGRYYkV5QWRzMDlPR0UwUjNWLTZPcjU?oc=5) · Miami's Community News
- 2026-05-04 [Ocean Bank Assets Grow Nearly $100 Million - Business Wire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOR1E3djBCYW4wa0d0TmZNeTRuOUVtNGZZbHpoaVplZ1pFZUpzTjBXSXF5Ri1lQzlZWUU4QlFPWndrSXI2N201b2RJVUlHT2dGUHZ4ZnNGY2ZMdWpnQnNxVFZOQXM4WHZsd0xYZXc5TzBmcm9jUzhwNlNkVHJTbmU2azBhcDNNeTV4YjY3RVd2Z0VWeUxmMlVqUkktYXd1LTM5ZnVj?oc=5) · Business Wire
- 2026-03-04 [How Ocean Bank plans to compete as CFO eyes AI, organic growth - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQWER3Ujg3cDF5OUhIRzVzV0JxSGFKdkdlWloxcGRSS1hpTzdfZFRZbmIwUktsZlBTWGZfLXFBSl9NUGNFUEQycms4WjVWR0YzQmdub1A1X2huMVEtb1N1d0t4ZmZMUWpNMDM0NDJxMkljZTkxZzNwMlBfR2IzbU8zbFM1S3YyTW5Ba3hLUnJROHhVOEJMS2J0Y2ZINVR6bm1wRHFaQlRybDAxR1prSkw4?oc=5) · The Business Journals
- 2026-06-03 [CS Ventures Secures $22 Million Loan From Ocean Bank for Palm Beach Commercial Property Acquisition - Florida YIMBY](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNeHp3endDcWZ2b3ZzSFRKRHU4Z0EwQWRoQzB3RmMwQS13WlF1eUxTdldmbXhOTk1UX1BXTkZvWWFUUVg5ZXdtS3ExaEFqb0lURHZmOEtxMVlHVWNGYzZMZ0kyVTB3a0kycU9KV0tqVkV6TGhEemd5RHR3bnloVk8yQ3JKQU9jQTVJY0NScHU5Qk9PMVZQbEZMNWxraTNucWJiYk55ZlV3SzgxRXZGbngwMDY5TE1aUmtqeDdxOHcyZ3MzU2Q2RVB1MV9qeXNjb3RRNnc?oc=5) · Florida YIMBY
- 2026-05-14 [Ocean Bank provides $28 million financing for The Graham Companies - The Miami Laker](https://news.google.com/rss/articles/CBMingFBVV95cUxQNl9Nd3NRVG02X2owNDRhYjVUc0ZnN3FNWWcxYmNqc1RBSy1EWF9WTzJLYUY2LUtNZkptbjdYNlVkX29GaUpKX1dLMmZ4akRJdWg0VnV0em94OHhYaXBESnE3cDVYUHRKR3dWdVhNUnhKS3RGUHRjOGdKV3hJRzJ6Wk1HTHpuM3NuNTM2U1VyZWVzT3dmelgxM2JLVkhwQQ?oc=5) · The Miami Laker
- 2026-02-12 [Ocean Bank Provides $70M Construction Loan for Mixed-Use Building in Aventura, Florida - REBusinessOnline](https://news.google.com/rss/articles/CBMitAFBVV95cUxORzBudHdCc2VGa0U4aTdtS2lQYXNwUWJCc0ROTWFIQzRndGRBb0o3bmk5b2pDaU5aUk02eWJpSWE4bG1OZjFCZFJjempZRkROdlhIRzJOWU5uOWRBYmpqOE1NMW5wNkFGY1FRU01CWmdQWVFsV3hwZXhTdVdHdWJfWHhtQi1kTXZQVXZ3aWRTcXpTcVhMNUFBZmF5Mnk0a1V5My02MzBzLWdJYXUyZTRCNXdWbmU?oc=5) · REBusinessOnline
- 2026-05-05 [Ocean Bank, Miami - Florida Trend](https://news.google.com/rss/articles/CBMickFVX3lxTE1Ud2JjZFpSN1dkS1ZOVTFpYWJ0cmREeTBiRlJQNnZMX0FhckNVMWd3Q1dySzZBa2NUVXdkeHo1NmczalF4MUlrUzFzSk5YM1FiQVdxUFhPNXRydEdUd2xsZjNCQlpMazJXUnFSZ0hrWE9FUQ?oc=5) · Florida Trend
- 2026-02-11 [Train stop apartment project scores $43M construction loan in busy Hialeah - The Real Deal](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQ0xPNnlSYzF3a2tnSGdHUVB0dEFmYkYtblVyWVhqVFE3ZXNkcXFBNzB0a0UyTFY4QTgzNzhDc0hVeW9YOFFZMFI0UWtlNjZiTDJBQkZnUVUxMzk5dnBraGwtY1lxRkdFWDA4VWtHMTlPaUpQUHVfWEFpZ05UXzl4TXBDemRXSWhQNFFWcTZ6WjVpNVhGa1Rub2dleFNEUHc?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24156 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "24156", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide