BlastPoint's Banking Scorecard
OceanFirst Bank, National Association
Mid-Market
Specialty: Commercial
NJ
FDIC cert 28359
Designations: ✓ Community bank
Toms River, NJ
201
banks in Mid-Market tier nationally
7 in NJ
View Mid-Market leaderboard (NJ) →
OceanFirst Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45% in Mid-Market
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 100% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.5B
+8.5% YoY
+1.7% QoQ
|
+$4.0B |
$10.5B
+2.9% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$11.0B
+8.9% YoY
+4.5% QoQ
|
+$3.8B |
$7.1B
+4.5% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$11.0B
+8.1% YoY
+4.6% QoQ
|
+$2.5B |
$8.5B
+3.0% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.61%
-21.2% YoY
-3.4% QoQ
|
-0.56% |
1.16%
+9.4% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.00%
+6.1% YoY
+0.6% QoQ
|
-0.40% |
3.40%
+7.9% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
68.55%
+11.7% YoY
+2.1% QoQ
|
+11.94% |
56.60%
-3.2% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.25%
-28.1% YoY
-35.4% QoQ
|
-0.43% |
0.68%
+12.0% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
99.41%
+0.8% YoY
-0.1% QoQ
|
+13.94% |
85.47%
+1.1% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.09%
-0.6% YoY
-3.9% QoQ
|
-4.55% |
20.64%
-0.3% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.26%
-6.1% YoY
-23.2% QoQ
|
-0.23% |
0.50%
+7.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.54%
-2.5% YoY
+2.4% QoQ
|
-2.01% |
13.55%
+1.8% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.26%
-4.9% YoY
+30.0% QoQ
|
-0.70% |
0.96%
+7.1% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#23 of 50 · Top 45% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Cost Spiral
risk
#7 of 7 · Bottom 100% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
68.55%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Total Loans
Current: $11.0B · Tier avg: $7.1B
78
78th pctile
Total Assets
Current: $14.5B · Tier avg: $10.5B
78
78th pctile
Total Deposits
Current: $11.0B · Tier avg: $8.5B
78
78th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 20.64%
28
28th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
23
23th pctile
Tier 1 Capital Ratio
Current: 11.54% · Tier avg: 13.55%
19
19th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 68.55% · Tier avg: 56.60%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.41% · Tier avg: 85.47%
12
12th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.41% · Tier avg: 85.47%
19
19th pctile
Efficiency Ratio
Current: 68.55% · Tier avg: 56.60%
19
19th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
23
23th pctile
Tier 1 Capital Ratio
Current: 11.54% · Tier avg: 13.55%
28
28th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 20.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.68%
78
78th pctile
Total Deposits
Current: $11.0B · Tier avg: $8.5B
78
78th pctile
Total Assets
Current: $14.5B · Tier avg: $10.5B
82
82th pctile
Total Loans
Current: $11.0B · Tier avg: $7.1B