OceanFirst Bank, N.A.: Core Deposit Ratio
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Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported a core deposit ratio of 87.73% as of Q2 2026, ranking #2,065 of 3,642 U.S. banks (43rd percentile). That is down 3.17 percentage points from 90.90% a year earlier, and below the 90.55% median of the 122 Regional Banks ($10B–$100B in assets). Core deposits are stable, low-cost funding, non-time deposits below the FDIC insurance threshold. The bedrock of the community-bank funding model.
12-Quarter Trend
Source: FFIEC call reports, standardized by BankRegReports. Open the filed call report for Q2 2026 on the FFIEC CDR.
National Context
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
Most US community banks report core deposit ratios between 75% and 95%. Above 90% indicates a strong franchise, likely consumer-checking-heavy or relationship-banking-heavy. Below 70% indicates significant wholesale funding reliance (brokered deposits or large time deposits).
Full definition & formula →Frequently asked questions
What is OceanFirst Bank, N.A.'s Core Deposit Ratio?
OceanFirst Bank, N.A.'s Core Deposit Ratio was 87.73% as of Q2 2026, ranking #2065 of 3,642 U.S. banks.
What is the Core Deposit Ratio?
The Core Deposit Ratio measures 'core' deposits (total deposits less time deposits over $250,000 and less brokered deposits of $250,000 or less) as a percentage of total deposits. Core deposits are the most stable, lowest-cost funding source available to a bank.
More OceanFirst Bank, N.A. metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full OceanFirst Bank, N.A. profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 28359) · FFIEC NIC profile (RSSD 85472)