Bank routing number ยท Toms River, New Jersey
OceanFirst Bank, N.A. Routing Number (ABA): 231270353
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The OceanFirst Bank, N.A. routing number is 231270353. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 28, 2026.
OceanFirst Bank, N.A. at a glance
Its CET1 capital ratio was 12.87% at Q3 2026, above regulatory requirements.
- Total assets, Q3 2026
- $23.28B
- CET1 ratio, Q3 2026
- 12.87%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Domestic offices
- 72 branches
- Latest call report
- Q3 2026, FFIEC 041
- Established
- 1902
Full financial profile · Is OceanFirst Bank, N.A. safe? · OceanFirst Bank, N.A. call report · Branch locations
OceanFirst Bank, N.A. routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 231270353 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 28, 2026. NIC holds one primary number per bank; OceanFirst Bank, N.A. publishes any other numbers it uses itself.
What the digits mean
The first two digits, 23, place this number in the Federal Reserve Bank of Philadelphia's district (District 3): prefixes 21 to 32 are the district numbers assigned to thrift institutions. Digits five through eight, 7035, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to OceanFirst Bank, N.A.
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your OceanFirst Bank, N.A. checks or in its online banking. Ask the bank for wire instructions (www.oceanfirst.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About OceanFirst Bank, N.A.
OceanFirst Bank, N.A. is headquartered in Toms River, New Jersey and was established in 1902. It is in the NEW YORK-NEWARK-JERSEY CITY, NY-NJ metro area. It reported $23.28B in total assets and $18.35B in deposits for Q3 2026, the 3rd largest of the 49 banks headquartered in New Jersey. It reports 72 domestic offices. Its deposits have been FDIC insured since 1989. Its primary federal regulator is the OCC. 2 other banks and credit unions headquartered in Toms River have a routing number listed here.
What the digits in 231270353 mean
The first four digits, 2312, are the Federal Reserve routing symbol. The prefix 23 places the number in the 3rd Federal Reserve District (Philadelphia), a range the ABA plan set aside for thrift institutions. That is also the district where the bank is headquartered. Digits five through eight, 7035, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 7 + 7 x 15 + 4 = 130, a multiple of 10, so 231270353 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the OceanFirst Bank, N.A. routing number?
The OceanFirst Bank, N.A. routing number is 231270353. It is the primary ABA routing transit number registered to OceanFirst Bank, N.A., headquartered in Toms River, NJ. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 28, 2026.
What is the OceanFirst Bank, N.A. wire routing number?
This page lists the primary routing number registered to OceanFirst Bank, N.A. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with OceanFirst Bank, N.A. before sending a wire.
Is ABA number 231270353 the routing number for OceanFirst Bank, N.A.?
Yes. It is the primary routing number registered to OceanFirst Bank, N.A.
Which bank uses routing number 231270353?
It belongs to OceanFirst Bank, N.A., headquartered in Toms River, NJ. It is the bank's primary ABA routing number (FDIC certificate 28359).
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Regulator records: FDIC BankFind (cert 28359) · FFIEC NIC profile (RSSD 85472)