OceanFirst Bank, N.A.: Loan Portfolio
BankRegReports is independent of OceanFirst Bank, N.A. and never asks for online banking logins or passwords.
Data as of · Call Report Schedule RC-C How we update
OceanFirst Bank, N.A. reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $16.51B in Q3 2026, up 55.9% from $10.59B in Q3 2025. That is 70.9% of its total assets. Across the 12 quarters shown it ranged from $10.03B (Q2 2024) to $16.51B (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 7.19 percentage points higher than in Q2 2026, at 388.56%. Within New Jersey, OceanFirst Bank, N.A. is 27th of 49 on loan-to-deposit ratio, 89.95% as of Q3 2026. The median for banks in the $10B-100B asset tier is 85.97% on loan-to-deposit ratio. OceanFirst Bank, N.A. sits 3.98 points higher, at 89.95% (Q3 2026).
Loan totals
Loan-to-deposit ratio moved most in this table, down 0.79 points: 90.74% in Q2 2026, 89.95% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $16.51B |
| Net loans and leases | $16.30B |
| Loans held for sale | $0 |
| Loans to total assets | 70.93% |
| Loan-to-deposit ratio | 89.95% |
| Net loans to equity capital | 6.04× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
Get an email when OceanFirst Bank, N.A. files its next quarter, and see its loan portfolio against peers in the terminal. Free account, no card.
Portfolio mix (share of total loans)
Largest change in this table: commercial and industrial, up 0.19 points to 8.93% in Q3 2026 after 8.74% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.75% |
| Multifamily (5+ residential) | 14.66% |
| Commercial and industrial | 8.93% |
| Consumer | 0.09% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 388.56% |
| Construction concentration (Tier 1 capital + allowance) | 34.69% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Largest change in this table: yield on loans, up 0.30 points to 5.78% in Q3 2026 after 5.48% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.78% |
| Interest income on loans | $236.7M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $10.21B | $10.49B | 42.58% | 3.52% | 0.50% |
| Q1 2024 | $10.14B | $10.30B | 42.79% | 3.64% | 0.48% |
| Q2 2024 | $10.03B | $10.07B | 42.70% | 3.06% | 0.47% |
| Q3 2024 | $10.06B | $10.18B | 42.06% | 3.61% | 0.50% |
| Q4 2024 | $10.15B | $10.22B | 41.02% | 4.37% | 0.39% |
| Q1 2025 | $10.15B | $10.31B | 40.90% | 4.96% | 0.37% |
| Q2 2025 | $10.21B | $10.35B | 41.13% | 5.74% | 0.32% |
| Q3 2025 | $10.59B | $10.56B | 41.53% | 6.27% | 0.27% |
| Q4 2025 | $11.06B | $11.04B | 41.50% | 7.56% | 0.15% |
| Q1 2026 | $11.15B | $11.25B | 41.61% | 7.72% | 0.17% |
| Q2 2026 | $16.30B | $17.96B | 43.84% | 8.74% | 0.08% |
| Q3 2026 | $16.51B | $18.35B | 43.75% | 8.93% | 0.09% |
OceanFirst Bank, N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)