OCEANFIRST FINANCIAL CORP
For the period ended Sep 30, 2026. Filed Nov 6, 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.
Sep 30, 2026 · Filed Nov 6, 2026
OCFC$18.13-1.1%Stored close · as of Nov 6, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
INDEX TO FORM 10-Q
| PAGE | ||
|---|---|---|
| PART I. · FINANCIAL INFORMATION | ||
| Item 1. · Consolidated Financial Statements (unaudited) | ||
| Consolidated Statements of Financial Condition as of September 30, 2026 (unaudited) and December 31, 2025 | 22 | |
| Consolidated Statements of Income (unaudited) for the three and nine months ended September 30, 2026 and 2025 | 23 | |
| Consolidated Statements of Comprehensive Income (unaudited) for the three and nine months ended September 30, 2026 and 2025 | 24 | |
| Consolidated Statements of Changes in Stockholders’ Equity (unaudited) for the three and nine months ended September 30, 2026 and 2025 | 25 | |
| Consolidated Statements of Cash Flows (unaudited) for the nine months ended September 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 Comprehensive Income | OCI |
| 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.