- Source: Ocean Bank
- Source: Ocean bank
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.
Executive Officers
A. Alfonso Macedo, President, Chief Executive Officer & Chairman of the Board
Barbara Brick, Executive Vice President & Director of BSA & Compliance
Rodolfo Bucaro, Executive Vice President & Chief Information Officer
Eddie Diaz, Executive Vice President & Head of Corporate Lending
Manuel M. Del Cañal, Executive Vice President & Head of Wealth Management
Vanessa Lugo, Executive Vice President & Chief Financial Officer
Pedro Max, Executive Vice President & Head of Business Banking & Branches
Sam Monti, Executive Vice President & Chief Credit Officer
Yuni Navarro, Executive Vice President & Chief Administrative Officer
Stan Rubin, Executive Vice President & Chief Risk Officer
Rogelio Villarreal, Executive Vice President & Head of Commercial Lending
Branches
Miami-Dade County
Main Office, Airport West, Aventura, Bird Road, Brickell, Coral Gables, Coral Way, Doral, Downtown Miami, Kendall, Miami Beach, Miami Lakes, Miller Drive, Palm Springs, Pinecrest, South Miami, West Flagler, West Hialeah, West Kendall, West Miami
Broward County
Downtown Fort Lauderdale and Weston
Orange County
Downtown Orlando
Palm Beach County
Boca Raton (coming in 2024)
Wealth Management
Main Office, Brickell
References
An ocean bank, sometimes referred to as a fishing bank or simply bank, is a part of the seabed that is shallow compared to its surrounding area, such as a shoal or the top of an underwater hill. Somewhat like continental slopes, ocean bank slopes can upwell as tidal and other flows intercept them, sometimes resulting in nutrient-rich currents. Because of this, some large banks, such as Dogger Bank and the Grand Banks of Newfoundland, are among the richest fishing grounds in the world.
There are some banks that were reported in the 19th century by navigators, such as Wachusett Reef, whose existence is doubtful.
Types
Ocean banks may be of volcanic nature. Banks may be carbonate or terrigenous. In tropical areas some banks are submerged atolls. As they are not associated with any landmass, banks have no outside source of sediments.
Carbonate banks are typically platforms, rising from the ocean depths, whereas terrigenous banks are elevated sedimentary deposits.
Seamounts, by contrast, are mountains rising from the deep sea and are steeper and higher in comparison to the surrounding seabed. Examples of these are Pioneer and Guide Seamounts, west of the Farallon Islands. The Pioneer Seamount has a depth of 1,000 meters, In other cases, parts of a bank may reach above the water surface, thereby forming islands.
Important banks
The largest banks in the world are:
Grand Banks of Newfoundland (280,000 km2) - terrigenous bank
Agulhas Bank (116,000 km2)
Great Bahama Bank (95,798.12 km2, has islands, area without islands)
Saya de Malha (35,000 km2, excluding the separate North bank, least depth 7 m)
Seychelles Bank (31,000 km2, including islands of 266 km2)
Georges Bank (28,800 km2) - terrigenous bank
Lansdowne Bank (4,300 km2, west of New Caledonia, least depth 3.7 m)
Dogger Bank (17,600 km2, least depth 13 m)
Little Bahama Bank (14,260.64 km2, has islands, area without islands)
Great Chagos Bank (12,642 km2, including islands of 4.5 km2)
Reed Bank, Spratly Islands (8,866 km2, least depth 9 m)
Caicos Bank, Caicos Islands (7,680 km2, including islands of 589.5 km2)
Macclesfield Bank (6,448 km2, least depth 9.2 m)
North Bank or Ritchie Bank (5,800 km2, north of Saya de Malha, least depth <10 m)
Cay Sal Bank (5,226.73 km2, including islands of 14.87 km2)
Rosalind Bank (4,500 km2, least depth 7.3 m)
Bassas de Pedro (2,474.33 km2, least depth 16.4 m), part of the Amindivi Subgroup of Lakshadweep, India
See also
Oceanic plateau
Carbonate platform
Placer (geography)
Notes
External links
Definitions – Islands, Banks & Seamounts: Geologic Features Under the Sea
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