Where is Ocean Bank located?

Ocean Bank is located at 780 N.W. 42nd Avenue, Miami, FL 33126.

How can I contact Ocean Bank?

You can contact Ocean Bank by phone at (305) 442-2660.

Ocean Bank

About

Full-service community bank serving Miami-Dade County since 1982, offering comprehensive personal and business banking services including commercial lending and mortgage loans.

1982

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of December 31, 2025

SBA Acquisition Loan Activity

Last 12 Months

1

Last 3 Years

2

YoY Growth

+0.0%

low activity

Loan Size Distribution

As Of December 31, 2025

Median

$1.5M

Average

$1.5M

Top Industries Served

Industries with highest loan volume

1

NAICS

loans

$NaN

avg. amount

1

NAICS

Loans

Avg. Amount

$NaN

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 3.25%

Typical Range:Prime + 3.13% - 3.38%

Min / Max:Prime + 3.00% / 3.50%

Market Comparison

This Lender

Prime + 3.25%

Market Average

Prime + 1.88%

138 bps above market

Default Rate & Risk Profile

As Of December 31, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

low

Performance Ranking

0th

Lower is better among all lenders

Geographic Loan Distribution

As Of December 31, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High