OCEANFIRST BANK NA
TOMS RIVER, NEW JERSEY · FDIC Cert #28359
Capital & Safety Analysis
According to FDIC financial data, OCEANFIRST BANK NA holds a Tier 1 capital ratio of 11.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OCEANFIRST BANK NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OCEANFIRST BANK NA shows strong financial health indicators. With $13.2B in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OCEANFIRST BANK NA has a Bank Health Score of B (71/100). It holds a Tier 1 capital ratio of 11.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OCEANFIRST BANK NA holds $13.2B in total assets and $10.1B in total deposits. It is located in TOMS RIVER, NEW JERSEY (FDIC Certificate #28359).
OCEANFIRST BANK NA has a Tier 1 capital ratio of 11.92%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.33%, and the return on assets is 1.08%.
Yes. OCEANFIRST BANK NA is FDIC-insured (Certificate #28359). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.