Bank Safety Analysis
Is OceanFirst Bank, N.A. Safe? Toms River, New Jersey
Based on its Q3 2026 call report, OceanFirst Bank, N.A. meets every capital ratio test for well capitalized, its Texas ratio is 6.71%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is OceanFirst Bank, N.A. safe?
On its Q3 2026 call report, OceanFirst Bank, N.A.'s CET1 ratio is 12.87%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 12.87%
- Tier 1 leverage ratio (Q3 2026): 9.26%
- Texas ratio (Q3 2026): 6.71%
- Noncurrent loans ratio (Q3 2026): 0.85%
OceanFirst Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #28359). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report OceanFirst Bank, N.A. (FDIC Certificate #28359) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Get an email when OceanFirst Bank, N.A. files its next quarter, so you can check this answer again. Free account, no card.
OceanFirst Bank, N.A. passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: uninsured deposit share and commercial real estate to capital.
The largest change between Q2 2026 and Q3 2026 was in return on assets, which rose 0.31 percentage points to 0.40%. Within New Jersey, OceanFirst Bank, N.A. is 26th of 37 on CET1 ratio, 12.87% as of Q3 2026. The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio; OceanFirst Bank, N.A. reported 12.87% for Q3 2026, nearly level with it.
From Q4 2023 to Q3 2026, OceanFirst Bank, N.A.'s CET1 ratio ranged between 11.27% (Q3 2025) and 12.96% (Q2 2026) and its Texas ratio ranged between 2.25% (Q3 2024) and 6.71% (Q3 2026). Between Q3 2025 and Q3 2026, OceanFirst Bank, N.A.'s CET1 ratio rose from 11.27% to 12.87%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.39% to 0.85%, Texas ratio rose from 3.87% to 6.71% and return on assets fell from 0.59% to 0.40%.
By total assets at Q3 2026, OceanFirst Bank, N.A. is the 3rd largest of the 49 banks headquartered in New Jersey. Non-owner-occupied commercial real estate loans are its largest loan category, $5.54B of $16.51B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, OceanFirst Bank, N.A.'s CET1 ratio of 12.87% is below the 12.88% median, Tier 1 leverage ratio of 9.26% is below the 10.21% median, nonperforming loans ratio of 0.85% is above the 0.67% median, Texas ratio of 6.71% is above the 4.26% median, and efficiency ratio of 73.60% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
OceanFirst Bank, N.A.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does OceanFirst Bank, N.A. score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does OceanFirst Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 12.87% | Within range |
| Texas ratio BankRegReports band | 6.71% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.85% | Within range |
| Uninsured deposit share BankRegReports band | 51.85% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 89.95% | Within range |
| Commercial real estate to capital supervisory threshold | 388.56% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 6.48% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 12.87% |
| Q2 2026 | 12.96% |
| Q1 2026 | 11.73% |
| Q4 2025 | 11.54% |
| Q3 2025 | 11.27% |
| Q2 2025 | 11.56% |
| Q1 2025 | 11.92% |
| Q4 2024 | 11.83% |
| Q3 2024 | 12.02% |
| Q2 2024 | 11.92% |
| Q1 2024 | 11.68% |
| Q4 2023 | 11.65% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 6.71% |
| Q2 2026 | 5.29% |
| Q1 2026 | 3.41% |
| Q4 2025 | 2.95% |
| Q3 2025 | 3.87% |
| Q2 2025 | 3.34% |
| Q1 2025 | 3.11% |
| Q4 2024 | 3.02% |
| Q3 2024 | 2.25% |
| Q2 2024 | 2.72% |
| Q1 2024 | 2.88% |
| Q4 2023 | 2.42% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $5.54B
- 1-4 family residential loans: $4.05B
- Multifamily loans: $2.42B
- Owner-occupied commercial real estate loans: $1.69B
- Commercial and industrial loans: $1.47B
- Construction and land development loans: $800.4M
- Loans to nondepository financial institutions: $491.3M
- Leases: $19.5M
How have OceanFirst Bank, N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $23.28B | 12.87% | 9.26% | 0.85% | 6.71% | 73.60% |
| Jun 30, 2026 | $23.17B | 12.96% | 12.62% | 0.66% | 5.29% | 88.10% |
| Mar 31, 2026 | $14.47B | 11.73% | 8.80% | 0.31% | 3.41% | 66.85% |
| Dec 31, 2025 | $14.47B | 11.54% | 8.71% | 0.25% | 2.95% | 72.11% |
| Sep 30, 2025 | $14.23B | 11.27% | 9.07% | 0.39% | 3.87% | 69.91% |
| Jun 30, 2025 | $13.24B | 11.56% | 9.10% | 0.33% | 3.34% | 68.44% |
| Mar 31, 2025 | $13.22B | 11.92% | 9.22% | 0.37% | 3.11% | 62.45% |
| Dec 31, 2024 | $13.33B | 11.83% | 8.99% | 0.35% | 3.02% | 64.39% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is OceanFirst Bank, N.A. FDIC insured?
Yes. OceanFirst Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #28359). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is OceanFirst Bank, N.A. well capitalized?
On its Q3 2026 call report, OceanFirst Bank, N.A.'s CET1 ratio is 12.87%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are OceanFirst Bank, N.A.'s key safety ratios?
For Q3 2026, OceanFirst Bank, N.A. reports CET1 12.87%, leverage 9.26%, Texas ratio 6.71%, noncurrent loans 0.85%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if OceanFirst Bank, N.A. fails?
For Q3 2026, OceanFirst Bank, N.A. reported $18.35B in total deposits, 51.85% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full OceanFirst Bank, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio OceanFirst Bank, N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 28359) · FFIEC NIC profile (RSSD 85472)
Explore: Full OceanFirst Bank, N.A. profile · Other banks in NJ · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.