OceanFirst Financial Corp.

OceanFirst Financial Corp. is the bank holding company for OceanFirst Bank N.A., which provides community banking services to retail and commercial customers in the United States. The bank accepts various deposit products, including money market accounts, savings accounts, interest-bearing and non-interest-bearing checking accounts, and time deposits such as brokered deposits. On the lending side, it offers commercial real estate loans, multi-family loans, land loans, construction loans, and commercial and industrial loans. Its portfolio also includes fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residences, as well as consumer loans like home equity loans and lines of credit, student loans, loans on savings accounts, overdraft lines of credit, and other consumer loans. Additionally, the company invests in mortgage-backed securities, U.S. government and agency securities, corporate securities, and other investments. It also provides bankcard services, trust and asset management products, deposit account services, and engages in sales of loans and investments, bank-owned life insurance, and commercial loan swap income.

OceanFirst Financial Corp. is listed on the Nasdaq Global Select Market (NasdaqGS) under the ticker symbol OCFC. Its securities are traded in US Dollars (USD), reflecting its operations and headquarters in the United States.

OceanFirst Financial Corp. operates in the Financial Services sector and is specifically classified under the Banks - Regional industry. This means it is a regional bank that focuses on providing banking and financial services to local communities, as opposed to large multinational banks. Its activities include taking deposits and making loans, primarily within its regional market in the United States.

OceanFirst Financial Corp. is headquartered in Toms River, New Jersey, United States. Founded in 1902, the company serves retail and commercial customers across the United States through its subsidiary, OceanFirst Bank N.A. As a community bank, it focuses on providing personalized banking services to individuals and businesses in its local and regional markets, particularly in New Jersey and surrounding areas.

OceanFirst Financial Corp. generates revenue primarily through net interest income from its lending and investment activities. It earns interest on loans such as commercial real estate, multi-family, construction, commercial and industrial, residential mortgages, and consumer loans. Additionally, it earns interest from its investment portfolio, which includes mortgage-backed securities, U.S. government and agency securities, and corporate securities. Non-interest income comes from bankcard services, trust and asset management products, deposit account services, sales of loans and investments, bank-owned life insurance, and commercial loan swap income. The company also accepts various deposits, which provide a low-cost funding source for its lending operations.