Ocean Bank
Miami, FL
IDRSSD: 663834
Total Assets
$7.44B
Latest filing
Total Deposits
$6.27B
Latest filing
Net Interest Margin
3.50%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
066011392MIAMI, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Ocean Bank
780 Nw 42nd Ave
Miami, FL 33126
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/09/1982FDIC Certificate 16824
Branches (23)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Ocean Bank (Main) | 780 Nw 42nd Ave | Miami, FL |
| HIALEAH BRANCH | 1801 W 4th Ave | Hialeah, FL |
| BIRD ROAD BRANCH | 7951 Sw 40th St | Miami, FL |
| PALM SPRING BRANCH | 790 W 49th St | Hialeah, FL |
| BRICKELL BRANCH | 1000 Brickell Ave | Miami, FL |
| CORAL WAY BRANCH | 12005 Sw 26th St | Miami, FL |
| EIGHTH STREET BRANCH | 6600 Sw 8th St | West Miami, FL |
| CORAL GABLES BRANCH | 2655 S Le Jeune Rd | Coral Gables, FL |
Showing 7 of 23
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/09/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33126 |
| State and County Number | 12086 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Miami-Fort Lauderdale-Pompano Beach, FL |
Operational Info
| Number of Employees | 675 |
| Domestic Offices | 24 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/09/1982 |
| Primary Insurance Agency | DIF |
| Website | www.oceanbank.com |
| Data Updated | 01/30/2026 |
| CERT | 24156 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $7.44B |
| Total Deposits | $6.27B |
| Total Liabilities | $6.74B |
| Total Equity Capital | $697.38M |
| Net Income | $17.68M |
| Net Loans and Leases | $5.89B |
| Assets Per Employee ($Millions) | $11.18M |
| Bank Premises and Fixed Assets | $84.74M |
| Cash and Balances due from Depository Institutions | $201.63M |
| Deposits Held in Domestic Offices | $6.27B |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 10.17% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 64.37% |
| Tier 1 Risk-Based Capital Ratio | 11.455% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.378% |
| Earning Assets to total Assets | 94.82% |
Income and Expense
| Total Interest Income | $102.29M |
| Total Noninterest Income | $9.44M |
| Total Interest Expense | $40.76M |
| Total Noninterest Expense | $45.70M |
| Net Interest Income | $61.53M |
| Pre-tax Net Operating Income | $23.26M |
| Provision for Credit Losses | $2.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $192.00k |
| Other borrowed funds | $356.96M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $110.17M |
| Total Liabilities and Capital | $7.44B |
Securities
| Securities | $991.40M |
| Available-for-sale debt securities | $807.33M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $182.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ocean Bank?
$7.44B as of the latest filing.
How much are Ocean Bank's total deposits?
$6.27B in total deposits.
Where is Ocean Bank located?
Miami, FL.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
24.
When was it established?
12/09/1982.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$5.89B (latest filing).
What is the total interest income (latest filing)?
$102.29M.