OceanFirst Bank, N.A.: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, OceanFirst Bank, N.A. reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $18.35B in Q3 2026, up 73.8% from $10.56B in Q3 2025. That is 78.9% of its total assets. Across the 12 quarters shown it ranged from $10.07B (Q2 2024) to $18.35B (Q3 2026).
Demand deposits climbed 31.8% in Q3 2026, from $7.18B to $9.46B. It was the largest change from Q2 2026 among the key lines here. On total deposits, OceanFirst Bank, N.A. ranks 3rd highest among the 49 banks headquartered in New Jersey, at $18.35B (Q3 2026). The median for banks in the $10B-100B asset tier is $18.20B on total deposits; OceanFirst Bank, N.A. reported $18.35B for Q3 2026, nearly level with it.
Deposit totals
Largest change in this table: deposits to total liabilities, up 1.42 points to 89.19% in Q3 2026 after 87.77% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $18.35B |
| Domestic office deposits | $18.35B |
| Foreign office deposits | — |
| Deposits to total assets | 78.85% |
| Deposits to total liabilities | 89.19% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $9.46B |
| Savings deposits | $1.29B |
| Transaction accounts to domestic deposits | 51.55% |
| Time deposits to total deposits | 23.71% |
| Time deposits under $100k | $2.12B |
| Time deposits $100k to $250k | $1.22B |
| Time deposits over $250k | $1.01B |
| Noninterest-bearing share of deposits | 16.46% |
Stability of funding
Brokered deposits changed the most here, up 13.7% to $1.36B in Q3 2026 from $1.20B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $15.98B |
| Core deposits to total deposits | 87.06% |
| Insured deposits | $11.15B |
| Uninsured deposits | $9.52B |
| Uninsured deposits to total deposits | 51.85% |
| Brokered deposits | $1.36B |
| Brokered deposits to total deposits | 7.41% |
Cost of deposits
Loans and leases to core deposits moved most in this table, down 0.92 points: 96.13% in Q2 2026, 95.21% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.56% |
| Interest expense on deposits | $97.1M |
| Loans and leases to core deposits | 95.21% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $10.49B | 90.07% | 50.75% | 6.02% | 2.73% |
| Q1 2024 | $10.30B | 91.11% | 52.08% | 5.28% | 2.75% |
| Q2 2024 | $10.07B | 91.83% | 52.93% | 3.99% | 2.83% |
| Q3 2024 | $10.18B | 93.62% | 56.01% | 1.97% | 2.95% |
| Q4 2024 | $10.22B | 94.81% | 56.25% | 0.73% | 2.81% |
| Q1 2025 | $10.31B | 92.45% | 57.20% | 3.59% | 2.38% |
| Q2 2025 | $10.35B | 90.90% | 59.05% | 5.05% | 2.43% |
| Q3 2025 | $10.56B | 92.00% | 60.29% | 3.84% | 2.45% |
| Q4 2025 | $11.04B | 90.18% | 58.52% | 5.52% | 2.64% |
| Q1 2026 | $11.25B | 89.63% | 60.63% | 5.99% | 2.30% |
| Q2 2026 | $17.96B | 87.73% | 51.83% | 6.66% | 2.24% |
| Q3 2026 | $18.35B | 87.06% | 51.85% | 7.41% | 2.56% |
OceanFirst Bank, N.A. deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)