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Ocean Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.oceanbank.com
305-446-2660
780 N.W. 42nd Avenue
Miami, FL 33126

Ocean Bank is headquartered in MIAMI and is the 8th largest bank in the state of Florida. It is also the 220th largest bank in the nation. It was established in 1982 and as of March of 2025, it had grown to 683 employees at 24 locations. Ocean Bank has an A health rating.

Reviews (1)

Commercial Deal

Posted by: |

As a real estate professional in the FL market, its refreshing to work with a lender that is proactive with potential obstacles during a real estate transaction. I worked directly with Ryan Welsch from the Fort Lauderdale location. The entire team at Ocean Bank were extremely helpful, accessible and knowledgable during the process. I WILL refer my future clients to this lender, both commercial and residential.

1


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #24156
Year Established1982
Employees683
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD9.49%
Annual Interest Income$93.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.93B$6.34B
LoansQ1 2025vs Q1 2024$5.37B$4.97B
DepositsQ1 2025vs Q1 2024$5.83B$5.55B
Equity CapitalQ1 2025vs Q1 2024$652.8MM$604MM
Loan Loss AllowanceQ1 2025vs Q1 2024$76.1MM$71.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$13.5MM$2.2MM
Real Estate OwnedQ1 2025vs Q1 2024$760K$4.9MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ocean Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Ocean Personal Savings
OTHER TIERS: 0.10% → $0 - $100k
0.20%*$100k*-Ocean Personal Savings - Young Saver
OTHER TIERS: 0.10% → $0 - $100k

Ocean Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.80%$2.5k-6 Month CD Special (New Money) - Boca Raton
4.04%$2.5k-6 Month CD Special (New Money)
1.50%$2.5k-8 Month CD
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