FDIC Cert #28359 · Toms River, New Jersey · Est. 1902

OceanFirst Bank, National Association - FDIC Bank Health Profile

A community-scale look at OceanFirst Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$14.5B
Total assets
B
Health grade · Good
0.61%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

OceanFirst Bank, National Association earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.54% Tier 1, 0.61% ROA, 69% efficiency ratio.

#130
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.54%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 28359 · NJ B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2950/4307
  • PHOTO-FINISH Mutual Federal Bank · IL
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-THIN 0.61% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Mutual Federal Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around OceanFirst Bank

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bankers' Bank of Kan… · KS ·…70/100First Community Bank… · TN ·…70/100Investors Community… · MO · …70/100Mutual Federal Bank · IL · n…70/100OceanFirst Bank, Nat… · NJ ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around OceanFirst Bank · July 2026

What OceanFirst Bank's Call Report plate shows

OceanFirst Bank, National Association (FDIC Cert #28359) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,950 of 4,307. Tier 1 capital prints at 11.54%, clearing the 10% well-capitalized line. The Texas Ratio is 1.53%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.61%. Balance-sheet scale is $14.5B, 130th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mutual Federal Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around OceanFirst Bank

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

OceanFirst Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; OceanFirst Bank, National Association remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How OceanFirst Bank, National Association's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
OceanFirst Bank, National Association's composite health score
Tier 1 Capital Ratio (11.54%) 28/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (1.53%) 20/20
Efficiency Ratio (68.55%) 8/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$14.5B

Total balance-sheet footings

Total Deposits

$11.0B

Customer-funded liabilities

Net Loans

$11.0B

Outstanding loan book

Net Income

$83M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.14% 11.54% 12.94%
Basel III capital ratios - OceanFirst Bank, National Association

Where OceanFirst Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. OceanFirst Bank, National Association's score of 70/100 falls in the highlighted band.

OceanFirst Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. OceanFirst Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

OceanFirst Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). OceanFirst Bank, National Association's $14.5B falls in the highlighted band.

Safety ratios for OceanFirst Bank

Tier 1 capital ratio
Well-capitalized 10%

11.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.54%
Texas Ratio
1.53%
Equity Capital
$1.7B

What these ratios mean →

Profitability metrics: OceanFirst Bank

Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
4.87%
Efficiency Ratio
68.55%

What these mean →

Income & expense at OceanFirst Bank

$640M
Interest Income
$38M
Non-Interest Income
$284M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. OceanFirst Bank, National Association reports a Texas Ratio of 1.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View OceanFirst Bank, National Association on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to OceanFirst Bank, National Association by assets

OceanFirst Bank, National Association is closely matched in total assets by Bell Bank, Beal Bank USA, Israel Discount Bank of New York, ConnectOne Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.75%, versus OceanFirst Bank, National Association's own 0.61%; the average efficiency ratio is 56.48%, versus 68.55% here; and average Tier 1 capital sits at 19.38%, versus 11.54% at OceanFirst Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $14.5B in assets, OceanFirst Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to OceanFirst Bank, National Association nationally by total assets
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  3. 3
    Israel Discount Bank of New York $14.4B

    New York, NY · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    NexBank $13.9B

    Dallas, TX · Grade A

  6. 6
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
OceanFirst Bank, National Association (this bank) NJ $14.5B 0.61% 68.55% 11.54%
Bell Bank ND $14.4B 0.59% 77.28% 11.49%
Beal Bank USA NV $14.5B 0.63% 37.43% 53.51%
Israel Discount Bank of New York NY $14.4B 0.54% 71.49% 13.84%
ConnectOne Bank NJ $14.0B 0.77% 54.90% 12.36%
NexBank TX $13.9B 1.17% 41.69% 14.62%
Live Oak Banking Company NC $15.1B 0.82% 56.12% 10.46%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($14.5B here), outside New Jersey so the neighborhood is not state containment.

Bell Bank $14.4B · ND Beal Bank USA $14.5B · NV Israel Discount Bank of New York $14.4B · NY NexBank $13.9B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) OceanFirst Bank, National Association (FDIC Cert #28359) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

OceanFirst Bank, National Association Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%
Spencer Savings Bank, SLAElmwood Park $4.0B B 0.44%