C
OceanFirst Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
12.10
Leverage
Ratio
9.07
Return On
Assets
0.64%
Total
Assets
14.23B
Capital
1.71B
Total
Deposits
10.56B
Net
Income
63.55M
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Weiss Ratings OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Rating C
Asset Quality Index 6.00
Capitalization Index 7.10
Liquidity Index 0.80
Profitability Index 2.80
Stability Index 9.10
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 6.31%
5-Year Asset Growth 12.30%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 4.25%
Non-Performing Loans to Loans 0.61%
Balance Sheet OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Total Assets 14.23B
Total Deposits 10.56B
Capital and Reserves OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Capital 1.71B
Leverage Ratio 9.07
Loan Loss Reserves to Loans 0.77%
Risk-Based Capital Ratio 12.10
Liquidity OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Hot Money Ratio 10.68%
Liquidity Ratio 11.33%
Profitability OceanFirst Bank, National Association
Toms River, NJ 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 63.55M
Net Interest Spread 2.97%
Operating Profit to Average Assets 0.84%
Overhead Efficiency Ratio 68.07%
Return on Assets 0.64%
Return on Equity 4.99%