OceanFirst Bank, N.A.: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
OceanFirst Bank, N.A. reported all 9 line items on this page on its Q3 2026 filing. Unused home equity and credit card lines was $217.7M in Q3 2026, down 12.5% from $248.8M in Q3 2025. That is 0.9% of its total assets. Across the 12 quarters shown it ranged from $217.7M (Q3 2026) to $257.2M (Q1 2024).
Compared with Q2 2026, Derivatives notional to total assets rose 0.43 percentage points in Q3 2026 to 34.08%, the biggest move on this page.
Commitments
Unused home equity and credit card lines moved most in this table, down 3.7%: $226.1M in Q2 2026, $217.7M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $217.7M |
| Letters of credit | $0 |
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Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $7.93B |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | 34.08% |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit | Derivatives notional / assets |
|---|---|---|---|
| Q4 2023 | $255.2M | $0 | 21.86% |
| Q1 2024 | $257.2M | $0 | 22.39% |
| Q2 2024 | $253.4M | $0 | 22.68% |
| Q3 2024 | $251.9M | $0 | 22.98% |
| Q4 2024 | $250.3M | $0 | 22.77% |
| Q1 2025 | $250.4M | $0 | 23.55% |
| Q2 2025 | $254.0M | $0 | 22.68% |
| Q3 2025 | $248.8M | $0 | 25.71% |
| Q4 2025 | $237.5M | $0 | 26.63% |
| Q1 2026 | $229.7M | $0 | 25.94% |
| Q2 2026 | $226.1M | $0 | 33.65% |
| Q3 2026 | $217.7M | $0 | 34.08% |
OceanFirst Bank, N.A. off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and RC-R, 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)