Ocean Bank Records Double-Digit Growth

Total assets reached $7.44 billion, an 11% increase in 2025.

Jan. 30, 2026 at 3:23pm

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Ocean Bank, the largest independent, state-chartered commercial bank headquartered in Florida, announced double-digit growth in assets, deposits, and stockholder's equity for 2025 compared to the previous year. The bank's total assets reached $7.44 billion, an 11% increase, while deposits grew 12% to $6.27 billion. Stockholder's equity also rose 10% to $697.4 million.

Why it matters

Ocean Bank's strong performance reflects its commitment to meeting customer needs and building robust relationships. The bank's growth in assets, deposits, and equity signals its financial stability and ability to serve the South Florida community effectively.

The details

Ocean Bank's growth was driven by increases in loans and net interest income. The bank's Tier 1 capital stood at $712.5 million, an 8% growth, with a Tier 1 Leverage Ratio of 9.7% at the end of 2025.

  • Ocean Bank announced its 2025 financial results on January 30, 2026.

The players

Ocean Bank

The largest independent, state-chartered commercial bank headquartered in Florida, with $7.44 billion in assets. Chartered in 1982, Ocean Bank operates a network of 24 branches throughout Miami-Dade, Broward, Palm Beach, and Orange counties.

Agostinho Alfonso Macedo

The President, Chairman, and CEO of Ocean Bank.

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What they’re saying

“This growth reflects Ocean Bank's constant dedication to meeting our customers' needs. Strong customer relationships drove increases in loans and net interest income, resulting in 10 percent rise in stockholder's equity to $697.4 million.”

— Agostinho Alfonso Macedo, President, Chairman and CEO of Ocean Bank (BusinessWire)

The takeaway

Ocean Bank's double-digit growth in assets, deposits, and equity demonstrates its ability to serve the South Florida community effectively and its commitment to building strong customer relationships, even in a challenging economic environment.