No stored Google rating available.
Ocean Bank is Florida's largest independent, state-chartered commercial bank founded in 1982, offering personal and business banking with $7.4B in total assets and FDIC insurance.
Data compiled from public sources
Ocean Bank was founded in 1982 and has grown to become the largest independent, state-chartered commercial bank headquartered in Florida, based on FDIC deposits as of December 31, 2025. 4 billion, with a 5-Star BauerFinancial rating. S.
Government, providing deposit protection for customers. Ocean Bank offers a comprehensive suite of financial services across personal, business, and international banking segments. 50% APY on 6-month CDs advertised), personal loans, and contactless credit cards.
Business customers can access business checking, commercial real estate lending, commercial loans through Ocean Financing®, accounts payable and receivable solutions, ocean factoring services, and floor plan management. The bank also serves international customers with listed credit cards and banking services, and operates online and mobile banking platforms available 24/7. Ocean Bank distinguishes itself as an independent Florida-based institution with deep roots in the state's business and community landscape.
Unlike national mega-banks, their mission emphasizes being the recognized banking leader in strength, efficiency, and profitability serving Florida businesses and individuals specifically. They market themselves with a commitment to the ocean and environmental protection, and emphasize employee satisfaction through benefits and career opportunities. The bank offers listed services like Ocean Factoring® and dedicated commercial real estate lending divisions not typically found at smaller regional banks.
Ocean Bank is best suited for Florida-based businesses and individuals seeking personalized service from a stable, well-capitalized regional institution. The main caveat is their geographic limitation—with only 24 branches, all in Florida, they lack the national branch network and ATM access of larger banks. Additionally, specific product details like interest rates, fees, and loan terms are not disclosed on the website, requiring customers to contact the bank directly or visit branches for detailed information.
This is state-level context for Banks consumers in Miami, FL. It does not confirm that Ocean Bank or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ocean Bank processed 47 mortgage applications in 2023, with 66% recorded as approved across 1 states.
47
Applications
66%
Approval Rate
$1.6M
Avg Loan
1
States Served
Based on 47 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Ocean Bank offers 18 services including Personal checking accounts, Business checking accounts, Savings accounts and CDs, Personal loans, Commercial loans (Ocean Financing®), and 13 more.
Ocean Bank has profile signals associated with Florida-based small to mid-sized businesses seeking commercial financing and listed business banking services, Individual Florida residents wanting to bank with a stable, independent regional institution with strong community ties, International customers conducting business in Florida needing listed international credit cards and banking services, Businesses utilizing commercial real estate lending, factoring services, or accounts management solutions.
Key strengths: Largest independent, state-chartered commercial bank headquartered in Florida with $7.4B in total assets; 5-Star BauerFinancial rating indicating strong financial stability; 24/7 online and mobile banking available for account management, wire transfers, money deposits, and check deposits. Areas to consider: Limited geographic footprint with only 24 branches, all located in Florida—no national branch network or out-of-state access; Specific product details (interest rates, fees, APR, loan terms) not disclosed on website; requires direct contact with bank.
In the Banks category, comparable providers include American Momentum Bank, Crews Bank & Trust, EdFed. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ocean Bank is profile signals for Florida-based businesses and individuals seeking personalized service from a financially strong, independent regional bank with listed commercial lending experience context. The main caveat is their geographic limitation to Florida with only 24 branches and lack of publicly displayed product pricing and terms, requiring direct contact for specific financial details.
FDIC-insured bank offering personal and business checking, savings, CDs, IRAs, and lending products across multiple states with focus on association and small business banking.
Google rating from 17 reviews
Profile signals: Small business owners and entrepreneurs needing SBA loans and commercial lending in Texas or Florida, Property managers and HOA companies seeking dedicated association banking support
Crews Bank & Trust is a full-service bank with 90+ years of Florida history, offering personal and business banking, mortgages, investment services, and trust administration through multiple branches including Sarasota.
Google rating from 39 reviews
Profile signals: Florida-based business owners seeking relationship-driven banking with SBA loans, commercial real estate financing, and treasury management, Sarasota-area residents and professionals wanting a full-service bank with trust/wealth management and estate planning services
Educational Federal Credit Union offers member-owned banking services including auto loans, mortgages, credit cards, and home equity products with promotional rates and cash-back incentives.
Google rating from 76 reviews
Profile signals: Credit union members seeking auto loans with promotional rates and deferred payment options, Homebuyers interested in guided home purchasing through dedicated concierge support
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