Oceanside Bank


1315 South Third Street
Jacksonville Beach, FL 32250
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Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Oceanside Bank is an FDIC insured institution located in Jacksonville Beach, FL. It was founded in 1997 and has approximately $0.26 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34284
Date Established 1997
Assets $ 257.38 million
Loans $ 182.21 million
Deposits $ 233.75 million
Capital $ 13.48 million

For a more detailed analysis of Oceanside Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Oceanside Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Oceanside Bank
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Financial Details

Oceanside Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Oceanside Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Oceanside Bank U.S. Bank Average
44.74% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Oceanside Bank had $5,245,000 in non-current loans and $3,130,000 in owned real estate. To cover these potential losses it had $13,484,000 in equity and $5,235,000 in loans loss reserves. That gives it a Texas Ratio of 44.74%.

Return on Equity
Oceanside Bank U.S. Bank Average
0.38% 7.80%

Oceanside Bank has a Return on Equity of 0.38% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Oceanside Bank U.S. Bank Average
5.24% 12.68%

Oceanside Bank has a Capitalization of 5.24% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Oceanside Bank Balance Sheet Analysis

As of November 30, -0001, Oceanside Bank had assets of $257,383,000, loans of $182,210,000, and deposits of $233,749,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 182.21 million
Loan loss allowance $ 5.24 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.13 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 233.75 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 257.38 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Oceanside Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Oceanside Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Oceanside Bank

Branches and Savings

Is Oceanside Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34284.

Why does Oceanside Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Oceanside Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Oceanside Bank a commercial bank?


Where are Oceanside Bank locations?

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Is Oceanside Bank open on Saturdays?

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Are Oceanside Bank ATMs Open 24/7?

Do Oceanside Bank ATMs accept cash deposits?

Can Oceanside Bank customers use other ATMs?

Do Oceanside Bank branches have notaries?

Will Oceanside Bank notarize my document?

What address for Oceanside Bank should I put for incoming ACH transfers?

Will the Oceanside Bank branch print checks?

Do Oceanside Bank checks expire?

Does Oceanside Bank require US citizenship to open account?

Can Oceanside Bank close my account?

Does Oceanside Bank Report to credit bureaus?

Does Oceanside Bank Use Equifax?

What is Oceanside Bank's ACH Routing Number?

What is Oceanside Bank's SWIFT code?


Does Oceanside Bank offer mortgages?

Compare mortgage rates here.

Does Oceanside Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oceanside Bank offer personal loans?

Compare personal loan rates here.

Does Oceanside Bank offer student loans?

Will Oceanside Bank cash a check?

Will Oceanside Bank redeem a savings bond?

Does Oceanside Bank cash savings bonds?

Will Oceanside Bank cash money orders?

Can Oceanside Bank issue a money order?

Does Oceanside Bank do currency exchange?

Background on The Bank

Who owns Oceanside Bank?

How long has Oceanside Bank been around?

Can Oceanside Bank transfer to other banks?

Does Oceanside Bank have quick pay?

Does Oceanside Bank accept rolled coins?

Will Oceanside Bank accept loose change?

Where is Oceanside Bank headquarters?

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