OCEAN BANK
MIAMI, FLORIDA · FDIC Cert #24156
Capital & Safety Analysis
According to FDIC financial data, OCEAN BANK holds a Tier 1 capital ratio of 11.57%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OCEAN BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OCEAN BANK shows strong financial health indicators. With $6.4B in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OCEAN BANK has a Bank Health Score of B (71/100). It holds a Tier 1 capital ratio of 11.57%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OCEAN BANK holds $6.4B in total assets and $5.6B in total deposits. It is located in MIAMI, FLORIDA (FDIC Certificate #24156).
OCEAN BANK has a Tier 1 capital ratio of 11.57%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.05%, and the return on assets is 1.24%.
Yes. OCEAN BANK is FDIC-insured (Certificate #24156). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.