OceanFirst Bank, N.A.: Tier 1 Risk-Based Capital Ratio
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Data as of · sourced from FFIEC call reports. How we update
OceanFirst Bank, N.A. reported a tier 1 risk-based capital ratio of 12.96% as of Q2 2026, ranking #1,422 of 2,134 U.S. banks (33rd percentile). That is up 1.41 percentage points from 11.56% a year earlier, and below the 12.97% median of the 120 Regional Banks ($10B–$100B in assets). Tier 1 Risk-Based Capital combines Common Equity Tier 1 plus Additional Tier 1 instruments, the broader capital measure after CET1.
12-Quarter Trend
Source: FFIEC call reports, standardized by BankRegReports; Tier 1 Risk-Based Capital Ratio: Call Report Schedule RC-R, Part I (RCOA7206). Open the filed call report for Q2 2026 on the FFIEC CDR.
National Context
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
Read Tier 1 RBC alongside CET1: a large gap between them means the bank relies meaningfully on preferred stock for its capital base, which is more expensive and less flexible than common equity. Most community banks show Tier 1 RBC within a few basis points of CET1. The bands below are BankRegReports analyst bands, not prompt corrective action categories; PCA treats a Tier 1 ratio of 8% or more as well capitalized.
Full definition & formula →Frequently asked questions
What is OceanFirst Bank, N.A.'s Tier 1 Risk-Based Capital Ratio?
OceanFirst Bank, N.A.'s Tier 1 Risk-Based Capital Ratio was 12.96% as of Q2 2026, ranking #1422 of 2,134 U.S. banks.
What is the Tier 1 Risk-Based Capital Ratio?
The Tier 1 Risk-Based Capital ratio measures a bank's Tier 1 capital (CET1 plus Additional Tier 1 instruments) against its risk-weighted assets. It is the broader of the two Tier-1 capital measures and is still the headline capital metric for most banking comparisons.
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)