BlastPoint's Banking Scorecard

OceanFirst Bank, National Association

$10B-$250B Specialty: Commercial NJ FDIC cert 28359

Designations: ✓ Community bank

Toms River, NJ

73 branches across NY · NJ · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in NJ.
Deposits +73.5% year over year ($18.0B on the books).
Delinquency rate 0.67%.
Return on assets 0.35%.
Efficiency ratio 79.07% vs a 53.67% peer average.
Loan-to-deposit ratio 89.58% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in NJ

View $10B-$250B leaderboard (NJ) →

OceanFirst Bank, National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.04% below tier average
- Efficiency Ratio 25.40% above tier average
- Non-Interest Income / Assets 0.42% below tier average
- Net Interest Margin 1.08% below tier average

Get updates when OceanFirst Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$23.2B +75.1% YoY +60.1% QoQ	-$20.4B	$43.6B -13.8% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$16.1B +58.7% YoY +45.5% QoQ	-$11.9B	$28.0B -8.6% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$18.0B +73.5% YoY +59.6% QoQ	-$17.5B	$35.4B -14.0% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	0.35% -47.5% YoY -52.1% QoQ	-1.04%	1.39% +25.9% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	Bottom 2.9% in tier
Net Interest Margin ?	2.84% -4.7% YoY -6.0% QoQ	-1.08%	3.92% +8.9% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	79.07% +20.5% YoY +17.8% QoQ	+25.40%	53.67% -1.9% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	Bottom 3.6% in tier
Delinquency Rate ?	0.67% +103.1% YoY +114.3% QoQ	-0.34%	1.01% -2.8% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	89.58% -8.5% YoY -8.9% QoQ	+6.97%	82.61% +3.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	16.66% +0.3% YoY +1.3% QoQ	-3.92%	20.58% +4.9% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.62% +97.1% YoY +97.1% QoQ	-0.12%	0.73% +5.8% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	12.96% +12.2% YoY +10.5% QoQ	-2.39%	15.35% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.08% -43.3% YoY +56.4% QoQ	-0.42%	0.50% +10.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	Bottom 8.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	16.7% +0.1pp YoY +0.2pp QoQ	-4.4pp	21.0%	16.6%	22.2%	26%
Brokered Deposits	6.7% +1.6pp YoY +0.7pp QoQ	-2.6pp	9.2%	10.1%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	8.9% +3.1pp YoY +1.1pp QoQ	-8.3pp	17.2%	6.5%	12.5%	15%
CRE	63.7% +5.8pp YoY +5.9pp QoQ	+21.7pp	42.0%	56.3%	41.4%	90%
1-4 Family	25.9% -8.1pp YoY -5.7pp QoQ	+2.8pp	23.1%	39.4%	31.3%	68%
Consumer	0.1% -0.2pp YoY -0.1pp QoQ	-12.8pp	12.9%	4.3%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.0% +1.4pp YoY +1.2pp QoQ	-2.3pp	15.3%	18.8%	19.7%	50%
Leverage Ratio	12.6% +3.5pp YoY +3.8pp QoQ	+2.2pp	10.4%	13.4%	12.6%	92%
Total Capital Ratio	13.9% +1.5pp YoY +1.3pp QoQ	-2.6pp	16.5%	19.8%	20.8%	40%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	1,489 +447 (+42.9%) YoY +584 (+64.5%) QoQ	-1,769	3,258	336	482	34%
Assets per Employee ($)	$15.6M +22.5% YoY -2.7% QoQ	-$11.5M	$27.0M	$11.2M	$8.8M	63%
Branch Count	72 +31 (+75.6%) YoY +30 (+71.4%) QoQ	-66	137	20	18	45%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	0.8% +0.5pp YoY +0.5pp QoQ	+0.1pp	0.7%	0.8%	1.0%	64%
Allowance Coverage	1.94x -17.9% YoY -21.9% QoQ	-0.87x	2.81x	6.57x	20.23x	57%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	2.9% -2.2pp YoY -3.1pp QoQ	-9.7pp	12.6%	6.4%	11.6%	2%
Cost of Funds (YTD)	1.9% -0.2pp YoY -0.2pp QoQ	0.0pp	2.0%	1.9%	1.7%	55%
Net Income ($, YTD)	$30.0M -31.2% YoY — QoQ	-$266.8M	$296.8M	$19.8M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

136

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.39%

#136 of 139 Bottom 2.9% in $10B-$250B

135

Efficiency Ratio

profitability

Value: 79.07%

Peer Median: 53.67%

#135 of 139 Bottom 3.6% in $10B-$250B

128

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.50%

#128 of 139 Bottom 8.6% in $10B-$250B

119

Net Interest Margin

profitability

Value: 2.84%

Peer Median: 3.92%

#119 of 139 Bottom 15.1% in $10B-$250B