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Oceanfirst Bank, National Association

Toms River, NJ · Cert 28359 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Oceanfirst Financial Corp.

National charter · OCC · 73 branches

Q2 2026

$23.2BAssets
$16.3BLoans
$18.0BDeposits
$2.7BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 73% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 5 of 15).
  • Widest gap: return on equity trails 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 15).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.26%

Rank 15 of 15

Net Interest Margin

2.71%

Rank 7 of 15

Efficiency Ratio

80.48%

Rank 15 of 15

Equity / Assets

11.70%

Rank 6 of 15

Non-interest income vs. expense

$36.4M$391.7MINCOMEEXPENSE
Unfavorable gap of $355.2M · efficiency ratio beats 7% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 80.48%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.74%0.98%1.14%Beats 0%15 / 15
Return on Equity2.21%5.21%8.81%10.53%Beats 0%15 / 15
Net Interest Margin2.71%1.76%2.56%3.09%Beats 53%7 / 15
Efficiency Ratio80.48%49.33%55.36%65.80%Beats 7%15 / 15
Asset Quality
Nonperforming Loans / Loans0.66%0.39%0.66%0.92%Beats 53%8 / 15
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 73%5 / 15
Capital
Tier 1 Capital Ratio12.96%12.31%14.32%17.39%Beats 27%11 / 15
Total Risk-Based Capital Ratio13.91%13.34%14.76%19.29%Beats 27%11 / 15
Equity / Assets11.70%8.06%10.22%12.59%Beats 60%6 / 15
Liquidity & Funding
Loans / Deposits90.74%52.62%85.61%96.57%67th pctl5 / 15
Loans / Assets70.32%32.81%69.81%78.17%53rd pctl7 / 15
Brokered Deposits / Depositsn/aNot reported for this institution