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BDI
OB

Ocean Bank

Miami, FloridaFDIC Cert #24156

STATEEstablished 198224 branches

Holding company: OCEAN BANKSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.94%
+104.1%y/y
Peer standing13th percentile
Peer standing in asset:3b_10b
FDICP3ASSET + LNLSGR
90+ %
0.01%
−66.9%y/y
Peer standing39th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.38%
+72.5%y/y
Peer standing66th percentile
Peer standing in asset:3b_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.39%
+56.7%y/y
Peer standing68th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.31%
+51.0%y/y
Peer standing66th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$23.4M
+64.2%y/y
Peer standing48th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.02%
−80.6%y/y
Peer standing97th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + LNLSGR
NCO
−$237K
−95.9%y/y
Peer standing98th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.41%
+0.6%y/y
Percentile by value82nd percentileby value
Peer standing in asset:3b_10b
FDICLNATRES + LNLSGR
30–89
$56.5M
+124.1%y/y
Peer standing5th percentile
Peer standing in asset:3b_10b
FDICP3ASSET
90+
$555K
−63.6%y/y
Peer standing34th percentile
Peer standing in asset:3b_10b
FDICP9ASSET
Nonaccrual
$22.6M
+89.4%y/y
Peer standing44th percentile
Peer standing in asset:3b_10b
FDICNAASSET