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Income Statement
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Balance Sheet
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Income Overview
Revenue
$384K
Net Income
-$3,029K
Net Profit Margin
-788.80%
EPS
-$0.04
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Revenue-Investment Advisory Management And Administrative Service
384
-
-
-
Revenue
-
433
-
-
Revenue-Deposit Account
3,389
-
-
-
Bankcard services revenue
1,772
1,629
-
-
Net gain on sales of loans
38
-28
-
-
Net (loss) gain on equity investments
-347
-354
-
-
Net gain (loss) from other real estate operations
1,203
-164
-
-
Income from bank owned life insurance
2,471
1,874
-
-
Commercial loan swap income
1,654
345
-
-
Other
34
200
-
-
Total other income
10,598
6,748
9,411
12,304
Loans
178,982
145,324
146,550
141,847
Debt securities
26,633
19,810
21,681
17,156
Equity investments and other
3,989
3,157
3,501
3,191
Total interest income
209,604
168,291
171,732
162,194
Deposits
68,308
53,695
59,615
53,246
Borrowed funds
20,566
18,149
16,839
18,291
Total interest expense
88,874
71,844
76,454
71,537
Net interest income
120,730
96,447
95,278
90,657
Provision for credit losses
4,002
2,738
3,700
4,092
Net interest income after provision for credit losses
116,728
93,709
91,578
86,565
Compensation and employee benefits
50,202
39,484
40,984
41,387
Occupancy
7,333
5,832
5,825
6,098
Equipment
1,111
921
876
931
Marketing
1,894
963
1,466
1,538
Federal deposit insurance and regulatory assessments
4,130
3,215
3,102
2,616
Data processing
7,655
7,052
7,104
7,164
Check card processing
1,097
1,098
1,086
1,170
Professional fees
3,405
3,222
4,862
3,467
Amortization of intangibles
2,586
848
888
900
Branch consolidation expense, net
-
-
0*
-
Merger related expenses
42,765
4,150
12,547*
0
Restructuring (release) charges
-71
128
-915*
4,147
Other operating expenses
7,752
6,490
6,317
6,909
Total operating expenses
129,859
73,403
84,142
76,327
(loss) income before provision for income taxes
-2,533
27,054
16,847
22,542
Provision for income taxes
496
6,548
3,754
5,156
Net (loss) income
-3,029
20,506
13,093
17,386
Net income (loss) attributable to non-controlling interest
0
0
0
56
Net (loss) income attributable to oceanfirst financial corp
-3,029
20,506
13,093
17,330
Dividends on preferred shares
0
0
0
0
Gain on redemption of preferred stock
0
-
0
0
Net income available to common stockholders, basic
-
20,506
13,093
17,330
Net (loss) income available to common stockholders, diluted
-3,029
-
-
-
Basic EPS
-0.04
0.36
0.23
0.3
Diluted EPS
-0.04
0.36
0.23
0.3
Basic Average Shares
70,239,000
57,043,000
56,805,000
57,031,000
Diluted Average Shares
70,239,000
57,048,000
56,813,000
57,036,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Net (loss) income
available to common...
-$3,029K
Loans
$178,982K
(32.11%↑ Y/Y)
Debt securities
$26,633K
(66.98%↑ Y/Y)
Equity investments and
other
$3,989K
(17.43%↑ Y/Y)
Net (loss) income
attributable to oceanfirst...
-$3,029K
(-115.90%↓ Y/Y)
Total interest income
$209,604K
(35.38%↑ Y/Y)
Net (loss) income
-$3,029K
(-115.87%↓ Y/Y)
Net interest income
$120,730K
(37.76%↑ Y/Y)
Revenue-Deposit Account
$3,389K
(-31.80%↓ Y/Y)
Income from bank owned
life insurance
$2,471K
(38.35%↑ Y/Y)
Bankcard services
revenue
$1,772K
(9.45%↑ Y/Y)
Commercial loan swap income
$1,654K
(699.03%↑ Y/Y)
Net gain (loss) from
other real estate...
$1,203K
(562.69%↑ Y/Y)
Revenue-Investment Advisory
Management And...
$384K
(2.67%↑ Y/Y)
Total interest
expense
$88,874K
(32.27%↑ Y/Y)
Net gain on sales of
loans
$38K
(-96.77%↓ Y/Y)
Other
$34K
(-97.52%↓ Y/Y)
(loss) income before
provision for income taxes
-$2,533K
(-110.19%↓ Y/Y)
Provision for income taxes
$496K
(-91.41%↓ Y/Y)
Net interest income
after provision for...
$116,728K
(37.98%↑ Y/Y)
Total other income
$10,598K
(-9.67%↓ Y/Y)
Provision for credit
losses
$4,002K
(31.69%↑ Y/Y)
Net (loss) gain on
equity investments
-$347K
(-171.11%↓ Y/Y)
Deposits
$68,308K
(30.68%↑ Y/Y)
Borrowed funds
$20,566K
(37.88%↑ Y/Y)
Total operating
expenses
$129,859K
(81.69%↑ Y/Y)
Restructuring (release)
charges
-$71K
Compensation and employee
benefits
$50,202K
(24.75%↑ Y/Y)
Merger related
expenses
$42,765K
Other operating
expenses
$7,752K
(6.72%↑ Y/Y)
Data processing
$7,655K
(12.44%↑ Y/Y)
Occupancy
$7,333K
(34.45%↑ Y/Y)
Federal deposit
insurance and regulatory...
$4,130K
(42.51%↑ Y/Y)
Professional fees
$3,405K
(-21.47%↓ Y/Y)
Amortization of intangibles
$2,586K
(185.43%↑ Y/Y)
Marketing
$1,894K
(22.91%↑ Y/Y)
Equipment
$1,111K
(27.85%↑ Y/Y)
Check card processing
$1,097K
(-5.10%↓ Y/Y)
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OCEANFIRST FINANCIAL CORP (OCFC)
OCEANFIRST FINANCIAL CORP (OCFC)