OceanFirst Bank, N.A.: Loan-to-Deposit Ratio
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Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported a loan-to-deposit ratio of 90.74% as of Q2 2026, ranking #1,114 of 3,637 U.S. banks (69th percentile). That is down 7.93 percentage points from 98.68% a year earlier, and above the 87.02% median of the 121 Regional Banks ($10B–$100B in assets). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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 Loan-to-Deposit Ratio?
The loan-to-deposit ratio (LTD) is a bank's total loans divided by its total deposits, expressed as a percentage. It shows how much of the bank's deposit funding is lent out rather than held in cash and securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
Full definition & formula →Frequently asked questions
What is OceanFirst Bank, N.A.'s Loan-to-Deposit Ratio?
OceanFirst Bank, N.A.'s Loan-to-Deposit Ratio was 90.74% as of Q2 2026, ranking #1114 of 3,637 U.S. banks.
What is the Loan-to-Deposit Ratio?
The loan-to-deposit ratio (LTD) is a bank's total loans divided by its total deposits, expressed as a percentage. It shows how much of the bank's deposit funding is lent out rather than held in cash and securities.
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)