Call reports 2025
OCEANFIRST BANK, NATIONAL ASSOCIATION — 2025
What OCEANFIRST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 13,218,348,000 | 13,235,515,000 | 14,230,921,000 | 14,471,649,000 |
| Total loans | 10,146,568,000 | 10,214,792,000 | 10,588,855,000 | 11,060,159,000 |
| Allowance for loan losses | 78,798,000 | 79,266,000 | 81,236,000 | 83,726,000 |
| Securities available for sale | 739,775,000 | 730,886,000 | 1,259,232,000 | 1,231,827,000 |
| Securities held to maturity | 1,006,373,000 | 969,778,000 | 920,701,000 | 882,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,309,166,000 | 10,351,901,000 | 10,560,343,000 | 11,041,860,000 |
| Interest-bearing deposits | 8,606,364,000 | 8,633,240,000 | 8,791,600,000 | 9,265,382,000 |
| Noninterest-bearing deposits | 1,702,802,000 | 1,718,661,000 | 1,768,743,000 | 1,776,478,000 |
| Equity capital | 1,704,184,000 | 1,683,955,000 | 1,709,563,000 | 1,737,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 153,072,000 | 307,263,000 | 468,787,000 | 639,751,000 |
| Interest expense | 64,864,000 | 129,074,000 | 196,679,000 | 268,925,000 |
| Net interest income | 88,208,000 | 178,189,000 | 272,108,000 | 370,826,000 |
| Noninterest income | 9,198,000 | 18,354,000 | 28,480,000 | 37,641,000 |
| Noninterest expense | 61,895,000 | 130,779,000 | 204,614,000 | 283,624,000 |
| Provision for loan losses | 5,827,000 | 8,512,000 | 11,099,000 | 15,563,000 |
| Pretax income | 30,171,000 | 57,329,000 | 83,439,000 | 108,639,000 |
| Income tax | 7,294,000 | 13,736,000 | 19,893,000 | 25,617,000 |
| Net income | 22,877,000 | 43,593,000 | 63,546,000 | 83,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,169,501,000 | 1,148,368,000 | 1,172,077,000 | 1,194,054,000 |
| Total capital | 1,250,707,000 | 1,230,397,000 | 1,258,649,000 | 1,282,441,000 |
| Risk-weighted assets | 9,810,538,000 | 9,936,703,000 | 10,401,886,000 | 10,347,982,000 |