Ocean Bank (FDIC #24156): Bank Stress & Real-Estate Credit Exposure
Ocean Bank (FDIC Cert #24156): bank stress 70/100, elevated, STABLE over 7 days; parent OCEAN BANKSHARES INC.
Ocean Bank (#24156) lends in 4 counties across 1 state; Ocean Bank (#24156) reaches 238 ZIP codes: Florida 4 counties, 238 ZIPs.
Ocean Bank (#24156) largest markets: Miami Dade County, FL (1,701 branches, 81 ZIPs) (#24156), Broward County, FL (110 branches, 55 ZIPs) (#24156), Palm Beach County, FL (53 branches, 53 ZIPs) (#24156), Orange County, FL (49 branches, 49 ZIPs) (#24156).
Ocean Bank (#24156) reports $7.63 billion in total assets; Ocean Bank (#24156) equity $733.8 million (9.6% of Ocean Bank (#24156) assets); Ocean Bank (#24156) domestic deposits $6.21 billion; Ocean Bank (#24156) net income $40.8 million; Ocean Bank (#24156) return on assets 1.08%; Ocean Bank (#24156) return on equity 11.41%; Ocean Bank (#24156) net interest income $123.9 million; Ocean Bank (#24156) call report June 30, 2026.
Ocean Bank (#24156) noncurrent real-estate loans: none reported; Ocean Bank (#24156) residential -0.01%; Ocean Bank (#24156) net charge-offs on real estate 0.37%; Ocean Bank (#24156) residential charge-offs 0.47%.
Ocean Bank (#24156) net interest margin 3.47% against an eight-quarter Ocean Bank (#24156) average of 3.45% (Ocean Bank (#24156) compression -0.02 points); Ocean Bank (#24156) non-residential real estate 46.7% of equity; Ocean Bank (#24156) rate-exposure score 40/100, Ocean Bank (#24156) fixed-rate trap 40/100; Ocean Bank (#24156) risk type credit driven; Ocean Bank (#24156) rate regime rates elevated, Ocean Bank (#24156) snapshot October 19, 2026.
Ocean Bank (#24156) stress score moved from 69.7 on June 22, 2026 to 70.2 on October 19, 2026; Ocean Bank (#24156) ranged 69.7 to 70.2 over 116 snapshots.
Ocean Bank (#24156) alerts: 4 counties; top Ocean Bank (#24156) alert scores: Boca Raton County, FL 22 (low); Fort Lauderdale County, FL 22 (low); Miami Beach County, FL 22 (low); Orlando County, FL 22 (low).