C
OceanFirst Bank, National Association
Rating Date
August 2026
Risk Based
Capital Ratio
13.91
Leverage
Ratio
12.62
Return On
Assets
0.38%
Total
Assets
23.17B
Capital
2.71B
Total
Deposits
17.96B
Net
Income
29.98M
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Weiss Ratings OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Rating C
Asset Quality Index 6.30
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 0.80
Stability Index 8.50
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 75.08%
5-Year Asset Growth 5.52%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.68%
Non-Performing Loans to Capital 5.03%
Non-Performing Loans to Loans 0.76%
Balance Sheet OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Total Assets 23.17B
Total Deposits 17.96B
Capital and Reserves OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Capital 2.71B
Leverage Ratio 12.62
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 13.91
Liquidity OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Hot Money Ratio 12.47%
Liquidity Ratio 16.20%
Profitability OceanFirst Bank, National Association
Toms River, NJ 		Click to
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5-Year Return on Average Assets 0.88%
Net Income 29.98M
Net Interest Spread 3.07%
Operating Profit to Average Assets 0.51%
Overhead Efficiency Ratio 80.48%
Return on Assets 0.38%
Return on Equity 3.01%