OceanFirst Bank, National Association: how it compares with its peers
Against 95 U.S. banks with half to twice its assets, OceanFirst Bank, National Association's strongest measure in Q2 2026 is assets per employee ($15.6M vs. a $12.0M peer median). Its weakest relative measure is efficiency ratio (79.07% vs. 55.13%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.35% | 1.24% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.84% | 3.64% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.07% | 55.13% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $12.0M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.58% | 85.78% | Context |
What it means for lending operations
Its efficiency ratio of 79.07% is above the 55.13% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Hawaiian Bank Honolulu, HI · $23.65B
- TowneBank Portsmouth, VA · $22.62B
- Wilmington Savings Fund Society, FSB Wilmington, DE · $22.57B
- Bank of Hawaii Honolulu, HI · $23.81B
- State Bank of India New York, NY · $22.51B
- First Financial Bank Cincinnati, OH · $22.35B
Questions about OceanFirst Bank, National Association
How big is OceanFirst Bank, National Association?
OceanFirst Bank, National Association, established in 1902, is headquartered in Toms River, NJ. It reported $23.17B in total assets in its Q2 2026 FDIC call report and operates 74 offices.
What is OceanFirst Bank, National Association's return on assets?
0.35% annualized in Q2 2026, against a 1.24% median for 95 U.S. banks with half to twice its assets, ahead of 4% of them.
What is OceanFirst Bank, National Association's efficiency ratio?
79.07% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 55.13%, and lower is better.
Is OceanFirst Bank, National Association growing its loans?
Net loans grew 58.7% over the year to Q2 2026, while deposits grew 73.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Jersey bank ranked.