Toms River, NJ · Cert 28359 · Oceanfirst Financial Corp.
National charter · OCC · 73 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.5% share · #23 of 151 inst. · $13.6B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.71% | 0.69% | 0.63% | 0.58% | 0.54% | 0.72% | 0.08% | -54 bps | |
| Return on Equity | 6.06% | 5.56% | 5.38% | 4.89% | 4.70% | 4.52% | 5.96% | 0.70% | -419 bps | |
| Net Interest Margin | 2.61% | 2.62% | 2.78% | 2.85% | 2.91% | 2.88% | 2.86% | 3.03% | +18 bps | |
| Efficiency Ratio | 63.45% | 64.52% | 62.58% | 68.57% | 70.10% | 72.42% | 67.13% | 88.42% | +1,985 bps | |
| Non-Interest Burden | 1.49% | 1.55% | 1.59% | 1.81% | 1.89% | 1.96% | 1.81% | 2.61% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.04% | -0.78% | -0.69% | 0.18% | 6.31% | 8.55% | 9.48% | 75.08% | +7,490 bps | |
| Loan Growth (YoY) | -0.75% | -0.58% | 0.06% | 1.82% | 5.30% | 8.96% | 9.84% | 59.54% | +5,771 bps | |
| Deposit Growth (YoY) | -3.94% | -2.61% | 0.08% | 2.83% | 3.71% | 8.07% | 9.12% | 73.48% | +7,065 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.35% | 0.37% | 0.33% | 0.39% | 0.25% | 0.31% | 0.66% | +34 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.03% | 0.09% | 0.02% | 0.07% | 0.03% | 0.04% | -5 bps | |
| Allowance / Loans | 0.69% | 0.73% | 0.78% | 0.78% | 0.77% | 0.76% | 0.77% | 1.29% | +51 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.1x | 2.1x | 2.4x | 2.0x | 3.0x | 2.5x | 1.9x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 8.99% | 9.22% | 9.10% | 9.07% | 8.71% | 8.80% | 12.62% | +352 bps | |
| Total Risk-Based Capital | 12.77% | 12.61% | 12.75% | 12.38% | 12.10% | 12.39% | 12.60% | 13.91% | +153 bps | |
| Equity / Assets | 12.63% | 12.73% | 12.89% | 12.72% | 12.01% | 12.01% | 12.18% | 11.70% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.75% | 99.34% | 98.42% | 98.68% | 100.27% | 100.17% | 99.07% | 90.74% | -793 bps | |
| Liquid Assets / Assets | 8.92% | 8.37% | 8.10% | 7.93% | 7.83% | 6.61% | 6.34% | 13.03% | +510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 520% | 528% | 522% | n/a | n/a | |