OceanFirst Bank, N.A.: Texas Ratio
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Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported a Texas ratio of 5.29% as of Q2 2026, ranking #1,263 of 3,640 U.S. banks (65th percentile). That is up 1.95 percentage points from 3.34% a year earlier, and above the 4.21% median of the 122 Regional Banks ($10B–$100B in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.
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 Texas Ratio?
The Texas ratio is a bank's problem assets divided by its tangible equity plus loan loss reserves. Problem assets are nonaccrual loans, loans 90 or more days past due and other real estate owned, net of government guarantees. A ratio above 100% means problem assets exceed the capacity to absorb them, a level long tied to bank failures.
Under 25%: healthy. 25-50%: above most banks but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
Full definition & formula →Frequently asked questions
What is OceanFirst Bank, N.A.'s Texas Ratio?
OceanFirst Bank, N.A.'s Texas Ratio was 5.29% as of Q2 2026, ranking #1263 of 3,640 U.S. banks.
What is the Texas Ratio?
The Texas ratio is a bank's problem assets divided by its tangible equity plus loan loss reserves. Problem assets are nonaccrual loans, loans 90 or more days past due and other real estate owned, net of government guarantees. A ratio above 100% means problem assets exceed the capacity to absorb them, a level long tied to bank failures.
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)