C
OceanFirst Bank, National Association
Rating Date
June 2025
Risk Based
Capital Ratio
12.75
Leverage
Ratio
9.22
Return On
Assets
0.69%
Total
Assets
13.22B
Capital
1.70B
Total
Deposits
10.31B
Net
Income
22.88M
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Weiss Ratings OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Rating C
Asset Quality Index 5.00
Capitalization Index 7.30
Liquidity Index 0.40
Profitability Index 3.00
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 -0.69%
5-Year Asset Growth 12.30%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 4.07%
Non-Performing Loans to Loans 0.64%
Balance Sheet OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Total Assets 13.22B
Total Deposits 10.31B
Capital and Reserves OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Capital 1.70B
Leverage Ratio 9.22
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio 12.75
Liquidity OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Hot Money Ratio 10.37%
Liquidity Ratio 7.75%
Profitability OceanFirst Bank, National Association
Toms River, NJ 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 22.88M
Net Interest Spread 2.91%
Operating Profit to Average Assets 0.91%
Overhead Efficiency Ratio 63.54%
Return on Assets 0.69%
Return on Equity 5.38%