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Oceanfirst Financial (OCFC) Annual Income Statement

Annual · GAAP · USD millions
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Income statement data covering Oceanfirst Financial–Dec 31 2021 offers a view into how Dec 31 2025's operating results have moved alongside business activity.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases556.89
Interest and Dividend Income, Securities, Operating72.06
Other Income13.50
Total Interest Income642.45
Interest Expense, Deposits216.18
Interest Expense, Short-term Borrowing0.00
Interest Expense, Long-term Debt and Capital Securities0.00
Interest Expense, Borrowings66.05
Total Interest Expense282.23
Net Interest Income360.22
Provision for loan losses16.17
Total Net Interest Income344.05
Revenue From Contract With Customer Including Assessed Tax1.51
Profit (Loss) from Real Estate Operations-0.29
Bank Owned Life Insurance Income3.07
Gain (Loss) on Disposition of Assets and Other Investments0.00
Loss / Gain on Investment3.69
Other Non-Interest Income36.72
Total Non-interest Income44.70
Total Revenues388.75
Costs & Expenses
Salaries & employee benefits, SGA5.65
Restructuring, Accretion & impairment charges15.78
Other Operating Costs0.00
Depreciation & Amortization3.63
Communications, Occupancy and Information Technology22.87
Professional Fees15.09
Federal Deposit Insurance Corporation Premium Expense11.60
Other loss /-income217.03
Total Operating Expenses296.24
Total Costs & Expenses578.47
Income & Taxes
Income /-loss before income taxes92.52
Income taxes expenses/-benefit21.49
Income after income taxes71.03
Net income/-loss of other equity0.00
Income /-loss after income taxes71.03
Net Income (Loss) Attributable to Noncontrolling Interest0.05
Net Income/-loss71.03
Non-controlling interests0.05
Preferred dividends2.01
Income/-loss to shareholder67.13
Earnings Per Share
Basic EPS (excl. extra items)1.17
Basic Net EPS1.17
Basic shares outstanding (Mill. of Units)57.42
Diluted Net EPS1.17
Diluted average shares (Mill. of Units)57.43
Dividend per share0.80
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About Oceanfirst Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 27, 2026
  • Original filing: ocfc-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.