OceanFirst Bank, N.A.: Vital Signs
BankRegReports is independent of OceanFirst Bank, N.A. and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
OceanFirst Bank, N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.87% in Q3 2026, up 1.60 percentage points from 11.27% in Q3 2025. Across the 12 quarters shown it ranged from 11.27% (Q3 2025) to 12.96% (Q2 2026).
Reserve coverage of nonperforming loans dropped 42.37 percentage points in Q3 2026, from 193.58% to 151.21%. It was the largest change from Q2 2026 among the key lines here. Within New Jersey, OceanFirst Bank, N.A. is 34th of 49 on return on assets, 0.40% as of Q3 2026. Against a median of 1.25% for banks in the $10B-100B asset tier, OceanFirst Bank, N.A. reported 0.40% on return on assets in Q3 2026, 0.86 points lower.
Capital adequacy
Tier 1 leverage ratio moved most in this table, down 3.36 points: 12.62% in Q2 2026, 9.26% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 13.85% |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 11.59% |
| Tangible equity to tangible assets | 9.19% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
Get an email when OceanFirst Bank, N.A. files its next quarter, and see its vital signs against peers in the terminal. Free account, no card.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.85% |
| Nonperforming assets ratio | 0.66% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.71% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of nonperforming loans | 151.21% |
Earnings
Efficiency ratio moved most in this table, down 14.50 points: 88.10% in Q2 2026, 73.60% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 3.41% |
| Net interest margin | 3.36% |
| Efficiency ratio | 73.60% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.38% |
Liquidity and funding
Deposits to assets moved most in this table, up 1.35 points: 77.50% in Q2 2026, 78.85% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.95% |
| Core deposits to total deposits | 87.06% |
| Brokered deposits to total deposits | 7.41% |
| Deposits to assets | 78.85% |
| Securities to assets | 20.36% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.65% | 11.65% | 12.36% | 8.90% | 0.84% |
| Q1 2024 | 11.68% | 11.68% | 12.40% | 8.87% | 0.85% |
| Q2 2024 | 11.92% | 11.92% | 12.66% | 9.03% | 0.75% |
| Q3 2024 | 12.02% | 12.02% | 12.77% | 9.17% | 0.76% |
| Q4 2024 | 11.83% | 11.83% | 12.61% | 8.99% | 0.70% |
| Q1 2025 | 11.92% | 11.92% | 12.75% | 9.22% | 0.69% |
| Q2 2025 | 11.56% | 11.56% | 12.38% | 9.10% | 0.63% |
| Q3 2025 | 11.27% | 11.27% | 12.10% | 9.07% | 0.59% |
| Q4 2025 | 11.54% | 11.54% | 12.39% | 8.71% | 0.55% |
| Q1 2026 | 11.73% | 11.73% | 12.60% | 8.80% | 0.72% |
| Q2 2026 | 12.96% | 12.96% | 13.91% | 12.62% | 0.09% |
| Q3 2026 | 12.87% | 12.87% | 13.85% | 9.26% | 0.40% |
OceanFirst Bank, N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)