OCEANFIRST BANK, NATIONAL ASSOCIATION

TOMS RIVER, NJ | Regional | Est. Jan. 1, 1902, midnight | FDIC #28359 | RSSD #85472 | OCC
Latest Report: 2025-12-31

OCEANFIRST BANK, NATIONAL ASSOCIATION is arn regional FDIC-insured commercial bank headquartered in TOMS RIVER, NJ, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $14.5B and total deposits of $11.0B. Profitability stands at 0.54% ROA and 4.52% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 11.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 2.10%. FDIC Certificate #28359.

Assets

$14.5B

Deposits

$11.0B

Loans

$11.1B

Equity

$1.7B

Profitability

Return on Assets (ROA) 0.54%
Return on Equity (ROE) 4.52%
Net Interest Margin (NIM) 2.99%
Yield on Assets 5.18%
Cost of Funds 4.51%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.05%
Texas Ratio 2.10%
NPA Ratio 0.26%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 11.54%
Tier 1 Capital 11.54%
Total Capital Ratio 12.39%
Leverage Ratio 8.71%
Loan-to-Deposit 100.17%

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