OCEANFIRST FINANCIAL CORP
For the period ended Jun 30, 2026. Filed Aug 7, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Aug 7, 2026
OCFC$18.08-1.0%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Item 1. Consolidated Financial Statements (unaudited)
| Consolidated Statements of Financial Condition as of June 30, 2026 (unaudited) and December 31, 2025 | 22 | |
| Consolidated Statements of Income (unaudited) for the three and six months ended June 30, 2026 and 2025 | 23 | |
| Consolidated Statements of Comprehensive Income (unaudited) for the three and six months ended June 30, 2026 and 2025 | 24 | |
| Consolidated Statements of Changes in Stockholders’ Equity (unaudited) for the three and six months ended June 30, 2026 and 2025 | 25 | |
| Consolidated Statements of Cash Flows (unaudited) for the six months ended June 30, 2026 and 2025 | 27 | |
| Notes to Unaudited Consolidated Financial Statements | 29 | |
| Item 2. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 4 |
|---|---|---|
| Item 3. | Quantitative and Qualitative Disclosures About Market Risk | 20 |
| Item 4. | Controls and Procedures | 21 |
| PART II. | Other Information | 55 |
| Item 1. | Legal Proceedings | 55 |
| Item 1A. | Risk Factors | 55 |
| Item 2. | Unregistered Sales of Equity Securities and Use of Proceeds | 55 |
| Item 3. | Defaults Upon Senior Securities | 55 |
| Item 4. | Mine Safety Disclosures | 55 |
| Item 5. | Other Information | 55 |
| Item 6. | Exhibits | 56 |
| Signatures | 57 |
Glossary of Defined Terms
The acronyms and abbreviations identified below are used throughout this report, including the Notes to Consolidated Financial Statements.
| Term | Acronym / Defined Term |
|---|---|
| Accounting Standards Codification | ASC |
| Accounting Standards Update | ASU |
| Accumulated Other Comprehensive Income | AOCI |
| Accumulated Other Comprehensive Loss | AOCL |
| Asset Liability Committee | ALCO |
| Available-for-Sale | AFS |
| Board of Directors | Board |
| Central Business District | CBD |
| Chief Operating Decision Maker | CODM |
| Commercial Real Estate | CRE |
| Economic Value of Equity | EVE |
| Employee Stock Ownership Plan | ESOP |
| Federal Deposit Insurance Corporation | FDIC |
| Federal Home Loan Bank | FHLB |
| Federal Reserve System | FRB |
| Financial Accounting Standards Board | FASB |
| Flushing Financial Corporation | Flushing |
| Generally Accepted Accounting Principles | GAAP |
| Held-to-Maturity | HTM |
| Home Equity Loans and Line and Other Consumer | Other consumer |
| Interest Rate Risk | IRR |
| Mortgage-Backed Securities | MBS |
| Net Asset Value | NAV |
| Non-voting common-equivalent | NVCE |
| OceanFirst Bank, National Association | Bank |
| OceanFirst Financial Corp. | Company |
| Other Real Estate Owned | OREO |
| Purchased with Credit Deterioration | PCD |
| Right of Use | ROU |
| Secured Overnight Financing Rate | SOFR |
| Securities and Exchange Commission | SEC |
| Securities Exchange Act of 1934, as amended | Exchange Act |
| Warburg Pincus LLC | Warburg Pincus |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.