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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Ocean Bank

Miami, Florida · $7.63B in assets · beside the 8 other Florida banks between $3B and $10B

The filing

100.1%
Loans / deposits
9th of 9
71.0%
CRE / loans
9th of 9
527.7%
CRE / capital
9th of 9

Ocean Bank is the largest of the 9 Florida banks between $3B and $10B, with $7.63B in assets at 30 June 2026. Loans are 100.1% of deposits, the highest in the cohort against a median of 76.7%, and equity is 9.6% of assets, 8th of 9. Loans grew +9.1% in the year, 5th of 9, and deposits grew 1.3%; the cohort's median loan growth is +9.1%.

Noncurrent loans are 0.38% of the book, 4th of 9 against a median of 0.40%; 0.13% is 30 to 89 days past due, and the allowance covers them 3.6 times. Commercial real estate is 71.0% of loans, the highest in the cohort against a median of 27.4%, and 528% of capital, above the 300% screen, with construction at 38% against the 100% screen.

Return on assets is 1.08%, 7th of 9 against a median of 1.22%, on an efficiency ratio of 60.6%, 6th of 9. Five years ago it was 1.09%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 12.6% of loans).

Commercial real estate, share of loansFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 27.4% BB Bradesco Bank 7.1% FF First Federal Bank 17.1% BD Banco Do Brasil Americas 19.6% CC Capital City Bank 22.9% Bo Bank of Tampa 27.4% EB Emigrant Bank 30.6% BU Banesco USA 36.0% US U S Century Bank 47.8% OB Ocean Bank 71.0%
Loans, year over yearFL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.1% BD Banco Do Brasil Americas +16.7% BB Bradesco Bank +15.2% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% OB Ocean Bank +9.1% BU Banesco USA +8.4% FF First Federal Bank +4.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

Ocean Bank is the 112th largest 7(a) lender into Florida of 528, with $39M across 48 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). Every market on its book has had an approval since FY2023.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$32M31st of 2150.8%+1.5 pts
Broward, FL$6M70th of 2090.2%+0.3 pts
Dona Ana, NM$1M24th of 571.0%thin
Lee, FL$473K133rd of 1690.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Transportation & warehousing5$12M30.6%0.09%183rd of 1,563
Retail trade7$7M17.1%0.01%598th of 2,589
Manufacturing6$5M13.4%0.01%661st of 2,246
Health care & social assistance9$4M10.8%0.01%598th of 2,172
Construction2$3M8.0%0.01%727th of 2,063
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Ocean Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans OB Ocean Bank 0.1% $39M · 48 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Ocean BankRankCohort median
Total CRE against capital, the 300% screen528%9th of 9122%
Construction against capital, the 100% screen38%8th of 924%
Construction and land development, share of loans5.1%6th of 94.6%
Non-owner-occupied nonfarm nonresidential, share of loans51.8%9th of 913.9%
Total CRE, the guidance definition, share of loans71.0%9th of 927.4%
CRE growth over 36 months, the third prong+26.8%6th of 9+23.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ocean BankCohort median
20212026Change20212026Change
Loans$3.83B$6.21B+62%$1.55B$2.53B+63%
Deposits$4.24B$6.21B+47%$2.43B$3.82B+57%
NPA / loans0.25%0.38%+0.13 pts0.36%0.40%+0.04 pts
Efficiency65.5%60.6%-4.9 pts71.0%59.3%-11.7 pts
ROA1.09%1.08%-0.01 pts0.94%1.22%+0.29 pts

This read was prepared for Ocean Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ocean Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $3B to $10B
Institution www.oceanbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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