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Ocean Bank

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Responsible banking

Environmental responsibility

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Limited evidence found of sustainable banking practices.Based on Bank.Green's evaluation
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Social impact

Where its loans go
Largest: business and commercial property, 70%
1 highlight
  • Minority Depository Institution (MDI)Recognized by the FDIC or NCUA as owned or led by people from a minority group, or as serving mainly minority communities.
From its public filings with the FDICWhat these labels mean
See its social impact

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From public data

Social impact

Who Ocean Bank lends to and where its deposits are held.

  • Minority Depository Institution (MDI)Recognized by the FDIC or NCUA as owned or led by people from a minority group, or as serving mainly minority communities.

Where its loans go

Its largest lending area is business and commercial property, at 70% of its loans.

Ocean Bank
Community banks, for comparison
  • Homes 7%Community banks: 27%Mortgages and home equity loans on houses and other homes with one to four units.
  • Apartment buildings 14%Community banks: 8%Loans secured by apartment buildings with five or more homes.
  • Business and commercial property 70%Community banks: 43%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
  • Construction and land 5%Community banks: 8%Loans to build homes and other buildings, and to buy and prepare land for development.
  • Farms 0%Community banks: 8%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
  • Consumer loans (cars, cards, personal) 1%Community banks: 3%Car loans, credit card balances and other personal loans to households.
  • Other 3%Community banks: 3%All other lending, such as loans to other financial institutions, loans to governments and leases.
100%Loans as a share of depositsIts total loans divided by the deposits it holds. A higher share means more of its deposits are lent out. Above 100% means it also lends money raised in other ways.

Where its deposits are held

Share of its deposits held at branches in each state, across 25 offices, as of 30 June 2026.

By state

  1. Florida100%

Largest places

  1. Miami, FL84%
  2. Hialeah, FL4%
  3. Miami Lakes, FL2%
  4. Coral Gables, FL2%
  5. Doral, FL2%

This view is based on public information, including Ocean Bank's quarterly filings with the FDIC (Ocean Bank, FDIC certificate 24156), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.