Ocean Bank is the largest independent state-chartered commercial bank headquartered in Florida. Ocean Bank was founded in 1982 and is headquartered in Miami, Florida.
Ocean Bank serves the Florida market with 23 branches in Miami-Dade and Broward counties and Orlando, and is expanding into Palm Beach County during 2024. Ocean Bank serves the banking needs of Florida’s privately-owned businesses, real estate developers, construction companies, professionals, consumers and high-net-worth individuals.

Commercial, Business & Personal Banking
Corporate Cash Management
Real Estate & Construction Financing
Global Financing
Commercial Mortgage Financing
Factoring
Personal Loans & Home Mortgages
Credit Cards
Digital Banking
Banking is complemented by a full range of sophisticated investment products and advisory services. High-net-worth individuals and their families are provided investment financial services through Ocean Financial Advisors, a registered investment advisor with the State of Florida and Ocean Financial Services, a FINRA-registered broker-dealer. Investment products offered exclusively by Ocean Financial Services, LLC are not bank deposits, are not insured by the FDIC, are not guaranteed by the bank and are subject to investment risk, including the possible loss of the principal invested. Investment advisory services are offered through Ocean Financial Advisors, LLC an investment advisor registered with the State of Florida. Ocean Financial Services, LLC and Ocean Financial Advisors, LLC are wholly owned subsidiaries of Ocean Bank.

Investment Management
Financial Advisory
Wealth Management
Global Banking
No loan provision was required for the fourth quarter of 2023 which reinforces the financial health of the Bank's loan portfolio. Capitalized at more than twice the amount to achieve “well-capitalized” status (highest level) as rated by U.S. banking regulators. BauerFinancial, an independent company that rates bank performance, has awarded Ocean Bank its highest rating of 5 Stars every quarter for seven years.