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OceanFirst Bank, National Association
Toms River, NJ·FDIC Cert #28359·Charter: OCC·Est. 19020101.0·HC: OCEANFIRST FINANCIAL CORP
Total Assets
$14.5B
Q4 2025
Return on Assets
0.61%
-0.02%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.55%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.61%-0.02
ROE
4.87%-0.12
Efficiency
68.55%+1.39
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%-0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.41%-0.09
Charge-offs
0.05%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.8 | 0.8 | 0.7 | 0.7 | 0.6 | 0.6 |
| ROE | 6.9 | 6.4 | 6.3 | 6.1 | 5.4 | 5.1 | 5.0 | 4.9 |
| Efficiency | 57.5 | 58.8 | 60.3 | 61.4 | 62.6 | 65.6 | 67.2 | 68.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.4 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 |
| Loan/Deposit | 97.8 | 99.0 | 98.1 | 98.6 | 97.7 | 97.9 | 99.5 | 99.4 |
Balance Sheet
Total Assets$14.5B
Total Deposits$11.0B
Total Loans$11.0B
Total Equity$1.7B
Profitability
ROA0.61%
ROE4.87%
Efficiency Ratio68.55%
Net Income$83.0M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.05%
Loan/Deposit99.41%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans