# OCEANFIRST BANK NA
TOMS RIVER, NJ · FDIC certificate 28359 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $23.17B | |
| Deposits | $17.96B | |
| Loans and leases | $16.30B | |
| Total equity | $2.71B | |
| Loans / deposits | 89.58% (p66 of band) | 85.78% |
| Liquid assets / assets | 22.37% (p47 of band) | |
| Uninsured deposits / deposits | 51.83% (p85 of band) | 38.39% |
| Brokered deposits | 5.16% | |
| Wholesale funding | 13.24% (p76 of band) | |
| FHLB advances / assets | 7.48% | |
| Tier 1 leverage | 12.62% (p92 of band) | 10.17% |
| Unrealized securities loss / equity | -2.81% (p78 of band) | -7.43% |
| AOCI / equity | -0.04% (p74 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 1.24% |
| Net interest margin | 2.84% (p19 of band) | 3.57% |
| Efficiency ratio | 79.07% (p95 of band) | |
| Noncurrent loans | 0.66% (p52 of band) | 0.66% |
| Net charge-offs (annualized) | 0.03% (p24 of band) | |
| Reserve coverage of noncurrent | 193.58% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 27.24% (p48 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $414.9M (15% of equity) (p63 of band) | |
| Deposits YoY | 73.5% | |
| Employees | 1489 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | wholesale funding >15% |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 | uninsured deposits leaving | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | wholesale funding >15% |  |
| 2013-09 | 1 |  | uninsured deposits leaving, wholesale funding >15% |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | wholesale funding >15%, capital falling |  |
| 2014-09 | 2 | charge-offs p90 | wholesale funding >15%, capital falling |
| 2014-12 | 3 | wholesale funding >15% |  |
| 2015-03 | 2 | capital falling | charge-offs p90, wholesale funding >15% |
| 2015-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2015-09 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2015-12 | 3 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2016-03 | 1 |  | reserve under noncurrent, wholesale funding >15% |
| 2016-06 | 1 | reserve under noncurrent | loans exceed deposits |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | expense ratio p90 | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | expense ratio p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | loans exceed deposits, capital falling |  |
| 2020-06 | 2 |  | loans exceed deposits |
| 2020-09 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2020-12 | 1 |  | reserve under noncurrent, capital falling, run vulnerability |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | run vulnerability |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2023-03 | 5 | uninsured deposits leaving | loans exceed deposits |
| 2023-06 | 3 | brokered >10% | uninsured deposits >50%, run vulnerability, uninsured deposits leaving |
| 2023-09 | 1 |  | wholesale funding >15%, brokered >10% |
| 2023-12 | 2 | uninsured deposits >50%, run vulnerability | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | wholesale funding >15%, capital falling |  |
| 2025-12 | 3 |  | wholesale funding >15% |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 | expense ratio p90 | run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-30 [OceanFirst to buy Flushing Bank in $579M merger - NJBIZ](https://news.google.com/rss/articles/CBMic0FVX3lxTE1obWNBeU9saXF5NDBvQlV6RUNiYzA0akhkc2FZOHFhWGJZYXc0b0xkbUllUF9tQWwySmFkVVQ3YXk2SHNXSVhzY3FMX2thdzdwT0puZ0MyYlpSa0l5eVRkejNQMWN2bU92THk5Zzh4RnlsVFE?oc=5) · NJBIZ
- 2026-07-29 [OceanFirst Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE92dVhPcnB4b2pNdUpPTW5JaGZyVUlncThWNFp3UjRyUVN2Q0I3QXg4Vzl6T3FlbmJJS0lIN19ud0czS29YcXl4SlFRUDlScHZac1VJSUdvRmdtaV84bXNDYkJGU1VJVHlYeW9aMXVvT18?oc=5) · reveliolabs.com
- 2026-06-02 [OceanFirst Financial Corp. finishes merger with Flushing Financial Corp. - ROI-NJ](https://news.google.com/rss/articles/CBMiswFBVV95cUxQWWl6TGVsdEw1UUFQXzZ4UUthV0Z6VW9zdG9LQ0tsNE9LeUo2ekpqZllvS2ZKSDZwTnREaTlXZkk3aVBRM2NSRkdnVWJHbVRvdlpzSy1UMWVFUEQ4dHItZWM3WnhTNEd3TF9NTFY5cFE2T2h2ZDNYcEpVZTJxLU1yTV9GMy1paDN5T1FnZ0dJd0pnZGhMTU5LY2dPdlByUUtWb1F6WU0yX0cwYzRrcVdOamVLRQ?oc=5) · ROI-NJ
- 2026-01-04 [OceanFirst Financial Corp. and Flushing Financial Corp. Announce Merger Agreement - citybiz.co](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdzkwSEVjR0Rucks5dDJOYnRnOFE2ZF9rdHJsRm9pVElLVXBoVUg1bGZVT2d5cHNhd2oxV2E1cEpPTm5VOUYtQkxHLXJULS1Wb1ZSODE5ODF0VVN5SlB4TndSclVwVG9lYjR5a2JfZEhEek9iTFQ4blFDZ25QMW0wZGhKRU5Oa2l3WjVUSzRobkR4VzhKMHNWaURGX1M4UGJES0NDdl9uY3daSU9IQjFDeTBnZlExMHc4TFE?oc=5) · citybiz.co
- 2025-08-11 [Spotlight On: George Destafney, Executive Vice President & Regional President – New Jersey, OceanFirst Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQX3lRQ2VtVG50Wk5Gb1N2M2ItLUNVWmhsdjBLdFphLXV3NVBfQmYxOHEtZDNJU2U1Q2VKTVVsaVQ2bzZlQ2pzQXNFQVpZR0I3WWFoSUxnODJNallPbUkwbkR6WXBpN0Q2STRvLVFRaFBGdE5DUmd5R3RaOThHdnJlRm56SkF2WTlkLU9HQWpDd0wxck8zVENSaDU3cUtjNVBnNlk1T1dkUHBnY3dfRWZ3UzRkUV84X3VIMHNZM21NVlFKTkFEZkR0NHhONDZwNmhDcnRKeE1hcw?oc=5) · Capital Analytics Associates
- 2024-08-02 [OceanFirst Bank to acquire Garden State Home Loans - HousingWire](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVi1OYnMwZ0wxbFF5QlF3MXd6cEdTU0FHMU1YMHJGSzJCMUl2STExZzMwc2steE42blNBMmFneE1uS2VtdUJHUlJOWElUYmZleGc4R1F3bXRiQ2JFOHMtOHB5SFhpVXBzalRQaGo5ZVlUZDBFTERPN1R5Z3FkY2VSVVpmRDV6c3ZNZ1g2QlhtdnF6UQ?oc=5) · HousingWire
- 2019-04-25 [OceanFirst Bank Opens Bell Works Location In Holmdel - Patch](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeEVEQ1I5WXhXYW45Skd6MFNWSWtpQllMLTFUR3kweXB3R2ZlNkhUSWtBaGNRdUkwbFZyT0c4Q05MQjgwek1qekQyc25OTzl2dWd5V0xpcFZYVDd3aUFGTk5BdFlTUXA2QllwNHdSZUpXUGVNZUFhZEJTVkpMOUp4UHhsR0FaTUx3ZC1qMzkyWmd6b3lzVGNKaA?oc=5) · Patch
- 2026-07-31 [OceanFirst Financial Corp. Announces Second Quarter Financial Results - The Manila Times](https://news.google.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?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28359 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "28359", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide