OceanFirst Bank, N.A.: Efficiency Ratio
BankRegReports is independent of OceanFirst Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported an efficiency ratio of 88.10% as of Q2 2026, ranking #3,441 of 3,606 U.S. banks (5th percentile). That is up 19.66 percentage points from 68.44% a year earlier, and above the 53.45% median of the 122 Regional Banks ($10B–$100B in assets). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
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 Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its net interest income plus its noninterest income, expressed as a percentage. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
Compare banks of similar size and business model. Very small banks rarely run below 60% because fixed costs are spread over less revenue, and fee-heavy banks with trust or mortgage businesses carry higher expense against their revenue. The trend matters as much as the level: a rising ratio means expenses are growing faster than revenue. A very low ratio can also mean underinvestment in staff or systems.
Full definition & formula →Frequently asked questions
What is OceanFirst Bank, N.A.'s Efficiency Ratio?
OceanFirst Bank, N.A.'s Efficiency Ratio was 88.10% as of Q2 2026, ranking #3441 of 3,606 U.S. banks.
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its net interest income plus its noninterest income, expressed as a percentage. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
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)