OCEANFIRST FINANCIAL CORP

OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank N.A., a regional bank providing retail and commercial banking services. The company's deposit products include money market accounts, savings accounts, interest-bearing and non-interest-bearing checking accounts, and time deposits. The bank also offers a range of lending products spanning commercial real estate, multi-family housing, land acquisition, and construction loans for commercial clients, as well as commercial and industrial credit facilities. On the consumer side, OceanFirst provides fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residences, home equity loans and lines of credit, student loans, and other consumer credit products.

Beyond traditional banking, OceanFirst generates revenue from investment securities including mortgage-backed securities, U.S. government and agency securities, and corporate debt instruments. The company provides ancillary services such as trust and fiduciary services, asset management, bankcard services, and bank-owned life insurance products. Headquartered in Toms River, New Jersey, OceanFirst operates as a community bank serving the Mid-Atlantic region. The company was founded in 1902 and maintains a market capitalization of approximately $1.0 billion. The bank holds assets and deposits representative of a regional institution positioned in the Northeast banking market.