BlastPoint's Banking Scorecard
OceanFirst Bank, National Association
Designations: ✓ Community bank
Toms River, NJ
72 branches across NY · NJ · PA
OceanFirst Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35.3% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 17.52% above tier average
- - ROA 0.56% below tier average
- - Net Interest Margin 0.75% below tier average
- - Efficiency Ratio 13.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.5B
+9.5% YoY
-0.0% QoQ
|
-$32.5B |
$47.0B
-1.9% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$11.1B
+9.8% YoY
+0.8% QoQ
|
-$18.3B |
$29.4B
-0.4% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$11.2B
+9.1% YoY
+1.9% QoQ
|
-$27.2B |
$38.4B
-1.6% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
0.72%
+4.6% YoY
+18.9% QoQ
|
-0.56% |
1.28%
+18.7% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.9% in tier |
| Net Interest Margin ? |
3.03%
+2.5% YoY
+1.0% QoQ
|
-0.75% |
3.77%
+5.8% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
67.13%
+7.3% YoY
-2.1% QoQ
|
+13.13% |
54.01%
-3.7% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
0.31%
-14.6% YoY
+23.7% QoQ
|
-0.70% |
1.02%
-3.8% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
98.31%
+0.7% YoY
-1.1% QoQ
|
+17.52% |
80.79%
+1.9% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.44%
-0.4% YoY
+2.2% QoQ
|
-3.60% |
20.04%
+0.2% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.31%
+5.8% YoY
+18.3% QoQ
|
-0.41% |
0.72%
+4.2% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.73%
-1.6% YoY
+1.7% QoQ
|
-3.78% |
15.51%
-0.4% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.05%
-27.7% YoY
-80.7% QoQ
|
-0.17% |
0.22%
+0.3% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.4% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.