OCEANFIRST FINANCIAL CORP

OceanFirst Financial Corp. is a Delaware-incorporated holding company for OceanFirst Bank N.A. As of December 31, 2025, the company reported consolidated total assets of $14.6 billion and total stockholders' equity of $1.7 billion. The company primarily conducts its business through OceanFirst Bank N.A., its wholly owned subsidiary. The Bank's main business involves originating loans, with a key focus on commercial real estate and other commercial loans. It also invests in other loan types, including residential construction and consumer loans. These loans are primarily funded by attracting retail and commercial deposits. Additionally, the Bank invests in mortgage-backed securities (MBS), securities issued by the U.S. Government and its agencies, corporate securities, and other legally permitted investments. The Bank's revenues mainly come from interest on its loans and, to a lesser extent, interest on its debt and equity securities. It also earns income from bankcard services, trust and fiduciary services, deposit account services, mortgage banking activity, income from bank-owned life insurance, and commercial loan swap income. The Bank's primary funding sources include deposits, principal and interest payments on loans and investments, Federal Home Loan Bank (FHLB) advances, and other borrowings.