Overview / Commentary
780 N.W. 42nd Avenue
Miami, FL 33126

Ocean Bank is headquartered in Miami and is the 9th largest bank in the state of Florida. It is also the 270th largest bank in the nation. It was established in 1982 and as of September of 2018, it had grown to 702 employees at 20 locations. Ocean Bank has an A health rating.

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Ocean Bank (Florida) Adds 13-Month CD - 8/30/2018

South Florida-based Ocean Bank is offering special rates on 13-month CD (2.65% APY) and 9-month CD (2.35% APY). Minimum deposit is $2.5k of new money.

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Reviews (1)

Ocean Bank is a bank that provides personalized service without being pretentious.

Posted by: LG | Oct 5, 2015

I was looking for free checking, (true free checking), and I was tired of the bigger banks where you are just a number. There is a local bank, here in Hialeah, that has been around for years, so I decided to check them out. I went online and found out about their checking accounts. I was pleasantly surprised that they offered just as good as the bigger banks. I went to the local branch because I wanted to be sure of how attentive they were going to be and that I understood what they had to offer. I was blown away with how attentive they were. We sat down and went over the features of all of the checking accounts, what would work best for me. We talked about CD's and savings accounts and I was so impressed that I ended up opening a CD with them. They have excellent customer service, they go well beyond the norm to try and provide the best options for you. I have since opened a savings account with them as well.


Health Grade Components

FDIC Certificate #24156
Year Established1982
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD9.62%
Annual Interest Income$123.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$3.83B$3.83B
LoansQ3 2018vs Q3 2017$3.00B$3.01B
DepositsQ3 2018vs Q3 2017$3.30B$3.27B
Equity CapitalQ3 2018vs Q3 2017$454.3MM$450.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$44.0MM$38.6MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$14.5MM$20.1MM
Real Estate OwnedQ3 2018vs Q3 2017$9.4MM$9.2MM
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Ocean Bank CD Rates

2.65%$2.5k-13 Month CD - New money only
2.35%$2.5k-9 Month CD - New money only


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