OceanFirst Bank, N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
OceanFirst Bank, N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.87% in Q3 2026, up 1.60 percentage points from 11.27% in Q3 2025. Across the 12 quarters shown it ranged from 11.27% (Q3 2025) to 12.96% (Q2 2026).
Equity capital to average assets dropped 4.16 percentage points in Q3 2026, from 15.76% to 11.60%. It was the largest change from Q2 2026 among the key lines here. OceanFirst Bank, N.A. ranks 26th of 37 New Jersey banks on CET1 ratio, in the lower half at 12.87% (Q3 2026). At 12.87%, OceanFirst Bank, N.A.'s CET1 ratio is close to the 12.88% median for banks in the $10B-100B asset tier (Q3 2026).
Risk-based capital ratios
Tier 1 leverage ratio moved most in this table, down 3.36 points: 12.62% in Q2 2026, 9.26% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Risk-weighted assets moved most in this table, up 0.8%: $16.15B in Q2 2026, $16.28B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $2.10B |
| Tier 1 capital | $2.10B |
| Total risk-based capital | $2.26B |
| Total equity capital | $2.70B |
| Risk-weighted assets | $16.28B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.59% |
| Tangible equity to tangible assets | 9.19% |
| Equity capital to average assets | 11.60% |
| Internal capital growth rate | -0.73% |
Capital structure
Largest change in this table: retained earnings, down 1.2% to $404.7M in Q3 2026 after $409.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $2.31B |
| Retained earnings | $404.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.5M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.65% | 11.65% | 12.36% | 8.90% | $9.92B |
| Q1 2024 | 11.68% | 11.68% | 12.40% | 8.87% | $9.83B |
| Q2 2024 | 11.92% | 11.92% | 12.66% | 9.03% | $9.71B |
| Q3 2024 | 12.02% | 12.02% | 12.77% | 9.17% | $9.77B |
| Q4 2024 | 11.83% | 11.83% | 12.61% | 8.99% | $9.82B |
| Q1 2025 | 11.92% | 11.92% | 12.75% | 9.22% | $9.81B |
| Q2 2025 | 11.56% | 11.56% | 12.38% | 9.10% | $9.94B |
| Q3 2025 | 11.27% | 11.27% | 12.10% | 9.07% | $10.40B |
| Q4 2025 | 11.54% | 11.54% | 12.39% | 8.71% | $10.35B |
| Q1 2026 | 11.73% | 11.73% | 12.60% | 8.80% | $10.44B |
| Q2 2026 | 12.96% | 12.96% | 13.91% | 12.62% | $16.15B |
| Q3 2026 | 12.87% | 12.87% | 13.85% | 9.26% | $16.28B |
OceanFirst Bank, N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full OceanFirst Bank, N.A. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 28359) · FFIEC NIC profile (RSSD 85472)