FL lenders / Community Bank
Ocean Bank
Community Bank · Miami, FL · Ocean Bankshares Inc
- Total assets
- $7.5B
- CRE loan book
- $5.0B
- QoQ CRE growth
- 1.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.79% as of Q1 2026 — TX bank median 4.87% (0.92pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.79% | 5.86% |
| Q4 2025 | 6.06% | 6.10% |
| Q3 2025 | 6.01% | 6.11% |
| Q2 2025 | 5.93% | 6.03% |
| Q1 2025 | 5.83% | 5.96% |
| Q4 2024 | 6.01% | 6.25% |
| Q3 2024 | 6.21% | 6.40% |
| Q2 2024 | 6.04% | 6.31% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $5.0B | $349.6M | $831.7M | 522% | $18.0M |
| Q4 2025 | $5.0B | $317.5M | $846.4M | 522% | $11.0M |
| Q3 2025 | $4.9B | $280.0M | $942.4M | 517% | $11.5M |
| Q2 2025 | $4.7B | $259.2M | $802.2M | 511% | $9.9M |
| Q1 2025 | $4.5B | $237.8M | $810.1M | 502% | $9.8M |
| Q4 2024 | $4.6B | $340.7M | $778.2M | 520% | $0 |
| Q3 2024 | $4.5B | $420.5M | $660.5M | 509% | $110,000 |
| Q2 2024 | $4.4B | $406.3M | $657.8M | 508% | $444,000 |
Signals
Recent news
- CS Ventures Secures $22 Million Loan From Ocean Bank for Palm Beach Commercial Property Acquisition - Florida YIMBY — Coverage of Ocean Bank related to M&A activity and lending reported by floridayimby.com.Jun 3, 2026
- Ocean Bank provides $28 million financing for The Graham Companies - The Miami Laker — Coverage of Ocean Bank related to commercial real estate and lending reported by miamilaker.com.May 14, 2026
Ocean Bank: frequently asked questions
- How large is Ocean Bank's commercial real estate loan book?
- As of Q1 2026, Ocean Bank reported $5.0B in commercial real estate loans out of $7.5B in total assets, per its FFIEC Call Report.
- Is Ocean Bank above the 300% CRE concentration guideline?
- Ocean Bank's CRE loans stood at 522% of total risk-based capital as of Q1 2026, above the 300% CRE concentration supervisory guideline.
- Is Ocean Bank growing or shrinking its CRE lending?
- Ocean Bank's CRE loan book grew 1.0% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Burke & Herbert Bank & Trust CompanyCommunity Bank · Alexandria · $3.7B CRE book
- Union Bank and Trust CompanyCommunity Bank · Lincoln · $3.5B CRE book
- Pinnacle BankCommunity Bank · Lincoln · $3.5B CRE book
- Peapack Private Bank & TrustCommunity Bank · Bedminster · $3.4B CRE book
- First Mid Bank & Trust, National AssociationCommunity Bank · Mattoon · $3.3B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.