Oceanfirst Bank NA (FDIC #28359): Bank Stress & Real-Estate Credit Exposure
Oceanfirst Bank NA (FDIC Cert #28359): bank stress 78/100, severe, STABLE over 7 days; parent OCEANFIRST FINANCIAL CORP (OCFC).
Oceanfirst Bank NA (#28359) lends in 18 counties across 3 states; Oceanfirst Bank NA (#28359) reaches 791 ZIP codes: New Jersey 10 counties, 290 ZIPs; New York 7 counties, 452 ZIPs; Pennsylvania 1 county, 49 ZIPs.
Oceanfirst Bank NA (#28359) largest markets: Suffolk County, NY (654 branches, 109 ZIPs) (#28359), Westchester County, NY (78 branches, 78 ZIPs) (#28359), New York County, NY (420 branches, 70 ZIPs) (#28359), Nassau County, NY (350 branches, 70 ZIPs) (#28359), Queens County, NY (748 branches, 68 ZIPs) (#28359), Monmouth County, NJ (312 branches, 52 ZIPs) (#28359).
Oceanfirst Bank NA (#28359) reports $23.17 billion in total assets; Oceanfirst Bank NA (#28359) equity $2.71 billion (11.7% of Oceanfirst Bank NA (#28359) assets); Oceanfirst Bank NA (#28359) domestic deposits $17.96 billion; Oceanfirst Bank NA (#28359) net income $30.0 million; Oceanfirst Bank NA (#28359) return on assets 0.35%; Oceanfirst Bank NA (#28359) return on equity 2.90%; Oceanfirst Bank NA (#28359) net interest income $225.1 million; Oceanfirst Bank NA (#28359) call report June 30, 2026.
Oceanfirst Bank NA (#28359) noncurrent real-estate loans 0.02% of its book; Oceanfirst Bank NA (#28359) net charge-offs on real estate 0.73%; Oceanfirst Bank NA (#28359) multifamily charge-offs 0.72%; Oceanfirst Bank NA (#28359) residential charge-offs 1.02%.
Oceanfirst Bank NA (#28359) net interest margin 2.84% against an eight-quarter Oceanfirst Bank NA (#28359) average of 2.93% (Oceanfirst Bank NA (#28359) compression 0.09 points); Oceanfirst Bank NA (#28359) real-estate loans 2.2% of equity; Oceanfirst Bank NA (#28359) non-residential real estate 102.2% of equity; Oceanfirst Bank NA (#28359) rate-exposure score 40/100, Oceanfirst Bank NA (#28359) fixed-rate trap 40/100; Oceanfirst Bank NA (#28359) risk type market signal; Oceanfirst Bank NA (#28359) rate regime rates elevated; Oceanfirst Bank NA (#28359) shares 21.0% below the 52-week high, Oceanfirst Bank NA (#28359) equity trend drawdown, Oceanfirst Bank NA (#28359) snapshot October 19, 2026.
Oceanfirst Bank NA (#28359) stress score moved from 66.7 on June 22, 2026 to 77.6 on October 19, 2026; Oceanfirst Bank NA (#28359) ranged 66.7 to 77.6 over 116 snapshots.
Oceanfirst Bank NA (#28359) alerts: 18 counties; top Oceanfirst Bank NA (#28359) alert scores: Bronx County, NJ 25 (low); Brooklyn County, NJ 25 (low); Maple Shade County, NJ 25 (low); Mays Landing County, NJ 25 (low); New York County, NJ 25 (low).