C
OceanFirst Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
12.38
Leverage
Ratio
9.10
Return On
Assets
0.66%
Total
Assets
13.24B
Capital
1.68B
Total
Deposits
10.35B
Net
Income
43.59M
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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 7.20
Liquidity Index 0.30
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 0.18%
5-Year Asset Growth 12.30%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.55%
Non-Performing Loans to Capital 4.04%
Non-Performing Loans to Loans 0.64%
Balance Sheet OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Total Assets 13.24B
Total Deposits 10.35B
Capital and Reserves OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Capital 1.68B
Leverage Ratio 9.10
Loan Loss Reserves to Loans 0.78%
Risk-Based Capital Ratio 12.38
Liquidity OceanFirst Bank, National Association
Toms River, NJ 		Click to
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Hot Money Ratio 10.58%
Liquidity Ratio 7.64%
Profitability OceanFirst Bank, National Association
Toms River, NJ 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 43.59M
Net Interest Spread 2.94%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 66.54%
Return on Assets 0.66%
Return on Equity 5.14%