OceanFirst Bank, National Association

BankToms River, New Jersey
www.oceanfirst.com

Total Assets

$14.5B

Total Deposits

$11.0B

Branches

42

Established

1902

TFS Health Grade

$
D+

68.0 / 100

Below average financial health

How we grade

OceanFirst Bank, National Association is a bank headquartered in Toms River, New Jersey, established in 1902. With $14.5B in total assets and 42 branch locations, it has a TFS Financial Health Grade of D+ (68.0/100).

Capital & Safety

Tier 1 Capital Ratio
8.71%(8%)
Total Capital Ratio
12.39%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
0.61%(1%)
Return on Equity (ROE)
4.87%(10%)
Net Interest Margin
3.00%
Efficiency Ratio
68.55%(60%)

Lending & Liquidity

Total Loans
$11.1B
Loan-to-Deposit Ratio
99.41%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+8.55%
Deposit Growth (YoY)
+8.07%
Net Income
$83.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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