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OceanFirst Bank, National Association


OceanFirst Bank, National Association is an FDIC insured institution headquartered at 975 Hooper Ave, Toms River, NJ 08753.
It was founded in 1902 and has approximately $14 billion in assets. Customers can open an account at one of its 89 branches.

Deposit Rates - August 10, 2026

SAVINGS RATES APY MIN
SAV
0.03% $0 Compare
CD RATES APY MIN
6 Mo CD
0.05% $500 Compare
12 Mo CD
0.10% $500 Compare
18 Mo CD
0.15% $500 Compare
36 Mo CD
0.20% $500 Compare
60 Mo CD
0.30% $500 Compare
84 Mo CD
0.50% $500 Compare
MM RATES APY MIN
Money Market
0.03% $0 Compare
Money Market
0.05% $50,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $5,000




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28359
Date Established 1902
Assets $ 14.47 billion
Loans $ 10.98 billion
Deposits $ 11.04 billion
Capital $ 1,737.43 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 126.55 million
Interest-bearing balances $ 74.46 million
Total securities $ 2.11 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 10.98 billion
Loan loss allowance $ 83.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 10.27 million
Goodwill and other intangibles $ 529.68 million
All other assets $ 541.89 million
     Total Assets $ 12.73 billion

LIABILITIES
Total deposits $ 11.04 billion
      Interest-bearing deposits $ 9.27 billion
      Deposits held in domestic offices $ 11.04 billion
      % insured (estimated)" 50.05%
Federal funds purchased and repurchase agreements $ 54.44 million
Trading liabilities N.A.
Other borrowed funds $ 522.02 million
Subordinated debt N.A.
All other liabilities $ 228.80 millionn
      Total Liabilities $ 12.73 billion
      Shareholders’ Equity $ 1,737.43 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 639.75 million
Total Interest Expense $ 268.93 million
Net interest income $ 370.83 million
Provision for loan and lease losses $ 16.17 million
Total non interest income $ 37.64 million
Total non interest expense $ 283.62 million
Pre-tax Net Operating Income $ 86.99 million

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