Oceanfirst Financial Corp. · NASDAQ:OCFC
Oceanfirst Financial — Q4 2025 Earnings Presentation
20 slides from Oceanfirst Financial's earnings presentation, Jan 23, 2026
Slide 1: Q4 2025 Earnings Presentation, January 23, 2026
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Slide 2: Forward-looking statements and non-GAAP financial information
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Slide 3: Financial Highlights
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Slide 4: Loan Portfolio and Loan Yield
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Slide 5: Loan Portfolio Trends
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Slide 6: Credit Quality Trends and Provision
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Slide 7: Commercial Real Estate Portfolio Reporting
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Slide 8: Deposits and Cost of Deposits
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Slide 9: Net Interest Income and Net Interest Margin
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Slide 10: Non-Interest Income and Expense
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Slide 11: Capital and Tangible Book Value
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Slide 12: Management Outlook
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Slide 13: Management Outlook (continued)
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Slide 14: Appendix
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Slide 15: Loan portfolio detail and fixed-rate loans
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Slide 16: Commercial real estate portfolio by property type
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Slide 17: Commercial real estate by region
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Slide 18: Commercial real estate by region (continued)
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Slide 19: Core earnings and returns reconciliation
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Slide 20: Tangible equity and assets reconciliation
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