Ocean Bank is a bank based in Miami, Florida, established in 1982, with $7.5 billion in total assets across 24 branches. By Trust Grade it ranks 20th of 83 banks we track in Florida. Its capital ratio of 9.5% trails most similarly sized banks (34th percentile), versus a Florida median of 9.3%. It was profitable over the most recent period, with a 1.06% return on assets. No consumer complaints against Ocean Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Ocean Bank compares to Florida peers
How we graded Ocean Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.06%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Ocean Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (24)
- 780 Nw 42nd Ave, Miami, FL 33126
- 1801 W 4th Ave, Hialeah, FL 33010
- 7951 Sw 40th St, Miami, FL 33155
- 790 W 49th St, Hialeah, FL 33012
- 1000 Brickell Ave, Miami, FL 33131
- 12005 Sw 26th St, Miami, FL 33175
- 6600 Sw 8th St, West Miami, FL 33144
- 2655 S Le Jeune Rd, Coral Gables, FL 33134
- 7650 Nw 25th St, Miami, FL 33122
- 7455 Miami Lakes Dr, Miami Lakes, FL 33014
- 501 W 41st St, Miami Beach, FL 33140
- 165 Southeast 1st Street, Miami, FL 33131
- 100 N Federal Highway, Fort Lauderdale, FL 33301
- 14651 Sw 56th St, Miami, FL 33175
- 2300 Weston Rd, Weston, FL 33326
- 10950 N Kendall Dr, Miami, FL 33176
- 2500 Nw 97th Ave, Doral, FL 33172
- 13593 S Dixie Hwy, Pinecrest, FL 33156
- 15680 Sw 88th St, Miami, FL 33196
- 20900 Ne 30th Ave, Aventura, FL 33180
- 6939 S Red Rd, Coral Gables, FL 33143
- 111 North Magnolia Avenue, Orlando, FL 32801
- 799 North Federal Highway, Boca Raton, FL 33432
- 7703 West Flagler Street, Miami, FL 33144
Are deposits at Ocean Bank insured?
Yes. Ocean Bank is an FDIC-insured bank (FDIC certificate #24156). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Ocean Bank: frequently asked questions
Is Ocean Bank a good bank?
Ocean Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.5% capital ratio); Strongly profitable (ROA 1.06%).
Is Ocean Bank FDIC-insured?
Yes. Ocean Bank is a FDIC-insured bank (FDIC certificate #24156). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Ocean Bank?
Ocean Bank holds $7.5 billion in total assets, ranking 20th of 83 banks we track in Florida. It operates 24 branches.
Does Ocean Bank have CFPB complaints?
No CFPB complaints against Ocean Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
