OCEAN BANKSHARES INC is the parent banking group. OCEAN BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

OCEAN BANKSHARES INC

Legal name: OCEAN BANKSHARES, INC.

1 active bank · $7.5B combined assets

RSSD ID: 1136661 (FFIEC NIC)

Combined Assets

$7.5B

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this banking group's charters, 92% resulted in Outstanding or Satisfactory.

Primary bankOCEAN BANKMIAMI, FLSatisfactory$7.5BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$7.5B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$6.4B

Net Income

$20M

ROA (avg)

1.06%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

48.48%

Denial Rate

15.15%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
OCEAN BANK	MIAMI, FL	FDIC	$7.5B	100.0%	Satisfactory	Dec 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.