C
OceanFirst Bank, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
12.39
Leverage
Ratio
8.71
Return On
Assets
0.61%
Total
Assets
14.47B
Capital
1.74B
Total
Deposits
11.04B
Net
Income
83.02M
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Weiss Ratings OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Rating C
Asset Quality Index 6.40
Capitalization Index 6.70
Liquidity Index 0.60
Profitability Index 2.80
Stability Index 9.30
Company Info OceanFirst Bank, National Association
Toms River, NJ 		Click to
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FDIC Number 28359
Phone Number (732) 240-4500
Website oceanfirst.com
Asset Quality OceanFirst Bank, National Association
Toms River, NJ 		Click to
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1-Year Asset Growth 8.55%
5-Year Asset Growth 5.52%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.43%
Non-Performing Loans to Capital 3.12%
Non-Performing Loans to Loans 0.47%
Balance Sheet OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Total Assets 14.47B
Total Deposits 11.04B
Capital and Reserves OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Capital 1.74B
Leverage Ratio 8.71
Loan Loss Reserves to Loans 0.76%
Risk-Based Capital Ratio 12.39
Liquidity OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Hot Money Ratio 10.63%
Liquidity Ratio 6.27%
Profitability OceanFirst Bank, National Association
Toms River, NJ 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 83.02M
Net Interest Spread 2.98%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 69.44%
Return on Assets 0.61%
Return on Equity 4.87%