OceanFirst Bank, N.A.: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
OceanFirst Bank, N.A. reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.58% in Q3 2026, up 0.38 percentage points from 5.20% in Q3 2025. Across the 12 quarters shown it ranged from 5.00% (Q1 2026) to 5.58% (Q3 2026).
Total interest expense climbed 44.3% in Q3 2026, from $83.4M to $120.4M. It was the largest change from Q2 2026 among the key lines here. OceanFirst Bank, N.A. ranks 23rd of 49 New Jersey banks on net interest margin, in the upper half at 3.36% (Q3 2026). OceanFirst Bank, N.A. reported 3.36% on net interest margin for Q3 2026, 0.29 points below the 3.65% median for banks in the $10B-100B asset tier.
Asset yields
Yield on securities changed the most here, up 0.90 points to 5.01% in Q3 2026 from 4.11% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 5.78% |
| Yield on securities | 5.01% |
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Funding costs
Largest change in this table: cost of interest-bearing liabilities, up 0.41 points to 2.83% in Q3 2026 after 2.42% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 4.19% |
Spread and margin
Net interest margin moved most in this table, up 0.22 points: 3.14% in Q2 2026, 3.36% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $236.7M |
| Total interest expense | $120.4M |
| Interest expense on deposits | $97.1M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.14% | 2.41% | 2.89% | 5.40% | 3.70% |
| Q1 2024 | 5.17% | 2.51% | 2.82% | 5.40% | 4.18% |
| Q2 2024 | 5.17% | 2.61% | 2.73% | 5.40% | 4.10% |
| Q3 2024 | 5.25% | 2.68% | 2.74% | 5.45% | 4.17% |
| Q4 2024 | 5.13% | 2.57% | 2.74% | 5.36% | 4.01% |
| Q1 2025 | 5.04% | 2.29% | 2.91% | 5.27% | 3.83% |
| Q2 2025 | 5.09% | 2.27% | 2.97% | 5.35% | 3.72% |
| Q3 2025 | 5.20% | 2.34% | 3.03% | 5.47% | 3.82% |
| Q4 2025 | 5.17% | 2.35% | 2.99% | 5.42% | 4.09% |
| Q1 2026 | 5.00% | 2.16% | 2.98% | 5.24% | 3.87% |
| Q2 2026 | 5.22% | 2.20% | 3.14% | 5.48% | 4.11% |
| Q3 2026 | 5.58% | 2.38% | 3.36% | 5.78% | 5.01% |
OceanFirst Bank, N.A. yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)