OceanFirst Financial Corp (NASDAQ: OCFC) is a bank holding company incorporated under Delaware law that operates through its subsidiary OceanFirst Bank N.A. to provide commercial and retail banking services. The company earns revenue primarily through net interest income, the spread between interest earned on loans and securities and interest paid on deposits and borrowings, supplemented by fee-based noninterest income. At December 31, 2025, OceanFirst had consolidated total assets of $14.6 billion and total stockholders' equity of $1.7 billion, positioning it as a mid-size regional bank. The Bank is subject to regulation by the Office of the Comptroller of the Currency, while the holding company is regulated by the Federal Reserve Board and the SEC. The company references operations connected to New York City, New York State, and the New York State Department of Financial Services, indicating a Mid-Atlantic and northeastern U.S. geographic focus. Affiliated entities disclosed in the filing include Spring Garden Capital Group, LLC, Trident Abstract Title Agency, LLC, and the OceanFirst Foundation.

Revenue model

Net interest income from loans and investment securities, plus noninterest fee income from banking services. The Bank operates under a traditional deposit-funded lending model.

Products and services

Commercial and retail banking through OceanFirst Bank N.A. The filing references mortgage-backed securities, SBA lending, interactive teller machines, and title agency services through Trident Abstract Title Agency, LLC.

Customers and end markets

Retail and commercial banking customers in the northeastern United States, with references to New York City and New York State markets.

Value-chain role

Deposit-taking institution and direct lender. Operates as a regulated national bank through OceanFirst Bank N.A., a subsidiary of the holding company.

Geographic exposure

Northeastern United States, with specific references to New York City and New York State as key markets as of the 10-K filed 2026-02-27.

Source: SEC 10-K, filed 2026-02-27

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