Ocean Bank | The Power of Ocean
Achieve your financial goals with our personal & business banking services in Florida.
www.oceanbank.comHere’s the latest on Ocean Bank based on the most recent publicly available reports:
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Ocean Bank has reported double-digit growth across assets, deposits, and stockholders’ equity for 2025, with total assets around $7.44 billion and deposits near $6.27 billion. The bank’s Tier 1 capital stood at about $712.5 million, and Tier 1 leverage ratio was roughly 9.7% as of year-end 2025.[2][3]
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In regulatory actions, Ocean Bank faced a significant enforcement outcome related to BSA/AML compliance in the past, including penalties and a formal finding that its program and controls were not adequate at a critical time. The regulatory actions cited involved FinCEN, the FDIC, and other agencies, and highlighted failures in independent testing, due diligence, and reporting of suspicious activity, particularly with cross-border and high-risk accounts.[1][7][8]
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Ocean Bank remains active in Florida’s market, with ongoing customer-focused lending and growth activities as reflected in its public statements and corporate updates. The company’s own site emphasizes its long-standing presence in Florida since 1982 and lists various lending and refinancing activities as part of its operations.[4][9]
Notes and context:
- There have been separate, earlier regulatory actions that shaped the long-term compliance framework for Ocean Bank. These actions underscore the importance of robust anti-money laundering controls and ongoing regulatory supervision, particularly for cross-border activities.[7][1]
- The 2025 growth figures suggest a positive trajectory in core banking metrics, though it’s prudent to monitor regulatory and market developments for any shifts in risk or capital requirements.[3][2]
If you’d like, I can pull more details on specific figures (net income, loan growth, capital ratios) or provide a brief comparison with peers in Florida’s banking sector. I can also summarize the regulatory action timeline and its implications for Ocean Bank’s compliance program. All statements above are based on the linked sources.[8][1][2][3][4][7]