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Oceanfirst Bank, National Association
Toms River, NJ · FDIC Certificate #28359 · Chartered 01/0
Total assets
$23.17B
Total deposits
$17.96B
Total equity
$2.71B
Net loans
$16.09B
Branches (offices)
73
Net income (YTD)
$29.98M
Rank: #93 of 4,213 U.S. banks by assets · #3 of 49 in New Jersey. Assets changed 75.1% and deposits 73.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.35% |
| Return on equity | 2.90% |
| Net interest margin (YTD) | 2.84% |
| Equity to assets | 11.70% |
| Tier 1 leverage ratio | 12.62% |
| Uninsured deposits (share of deposits) | 51.8% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $14.42B | 89.6% | |
| Commercial & industrial | $1.42B | 8.9% | |
| Consumer / individual | $12.58M | 0.1% | |
| Construction & development | $738.53M | 4.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $12.35B | $9.91B | $65.38M | $1.59B |
| Jun 2023 | $13.43B | $10.23B | $64.81M | $1.65B |
| Jun 2024 | $13.21B | $10.07B | $53.56M | $1.67B |
| Jun 2025 | $13.24B | $10.35B | $43.59M | $1.68B |
| Jun 2026 | $23.17B | $17.96B | $29.98M | $2.71B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Jersey | $9.89B | 35 |
| New York | $7.99B | 37 |
| Pennsylvania | $84.11M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $17.96B.
Similar-sized banks
First Hawaiian Bank ($23.65B) · Townebank ($22.62B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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