🏦Bank Scorer

OCEANFIRST BANK

TOMS RIVER, NJ · Supervised by OTS

Est. 1902FDIC #28,359
Outstanding Same

Current rating · Exam: April 2009

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

975 Hooper Ave, TOMS RIVER, NJ

County

Ocean County

Established

January 1, 1902

Total Assets

$14.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 2, 2009

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$14.5B

Total Deposits

$11.2B

Net Loans

$11.1B

Net Income

$26M

ROA

0.72%

ROE

5.96%

Risk-Based Capital

12.60%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate16.12%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

41

Branch Deposits

$10.4B

1-Year Change

-2

5-year net change: -25 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,79766.93%16.12%
20232,00160.67%23.54%
20222,37762.81%24.48%
20212,95771.69%16.10%
20203,36172.48%15.56%
20192,97671.91%18.08%
20182,63964.91%24.06%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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