Bank · FDIC insured
OceanFirst Bank
A $23.2B bank, the 93rd largest of 4,207, headquartered in Toms River, NJ, with 72 branches in 3 states. Best rates: CDs 0.50% and savings 1.25% APY.
OceanFirst Bank Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#131 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About OceanFirst Bank
Founded in 1902 as Point Pleasant Building and Loan Association, OceanFirst Bank originally opened to help neighbors by offering access to loans and savings accounts.
Following its 1996 mutual-to-stock conversion and initial public offering, the bank expanded through organic growth and mergers with institutions including Cape Bank, Ocean City Home Bank, and Sun National Bank.
OceanFirst Bank serves the Northeastern United States with over 40 locations across New Jersey, New York, Pennsylvania, Massachusetts, and Maryland.
- Headquarters
- 975 Hooper Ave, Toms River, NJ 08753
- FDIC certificate
- 28359 ↗
Branches
72 branches in 3 states
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New York
36 branches
- Astoria Branch3116 30th Ave, Astoria, NY 11102Directions
- Bayside21303 Northern Blvd, Bayside, NY 11361Directions
- Springfield Branch6114 Springfield Blvd, Bayside, NY 11364Directions
- Riverdale Branch583 W 235th St, Bronx, NY 10463Directions
- Woodlawn Branch4349 Katonah Ave, Bronx, NY 10470Directions
- 1402 Avenue J Branch1402 Avenue J, Brooklyn, NY 11230Directions
- Bay Ridge Branch7102 3rd Ave, Brooklyn, NY 11209Directions
- Bensonhurst Branch Office8616 21st Avenue, Brooklyn, NY 11214Directions
- Borough Park Branch4616 13th Ave, Brooklyn, NY 11219Directions
- Montague Street Branch186 Montague St, Brooklyn, NY 11201Directions
- Williamsburg Branch217 Havemeyer St, Brooklyn, NY 11211Directions
- Elmhurst Branch Office8515 Queens Blvd, Elmhurst, NY 11373Directions
- Broadway Station16420 Northern Blvd, Flushing, NY 11358Directions
- Kissena Boulevard Branch4443 Kissena Blvd, Flushing, NY 11355Directions
- Murray Hill14742 Northern Blvd, Flushing, NY 11354Directions
- Roosevelt Avenue Branch13641 Roosevelt Ave, Flushing, NY 11354Directions
- Forest Hills Branch10711 Continental Ave, Forest Hills, NY 11375Directions
- Garden City Branch1122 Franklin Ave, Garden City, NY 11530Directions
- Hauppauge Branch Office160 Adams Avenue, Hauppauge, NY 11788Directions
- Hicksville Branch268 N Broadway, Hicksville, NY 11801Directions
- Islandia Branch1707 Veterans Hwy, Islandia, NY 11749Directions
- Jackson Heights Branch37-44 74th Street, Jackson Heights, NY 11372Directions
- Jamaica Branch8912 Sutphin Blvd, Jamaica, NY 11435Directions
- Melville Branch58 S Service Rd, Melville, NY 11747Directions
- Melville Branch555 Broadhollow Road, Melville, NY 11747Directions
- New Hyde Park Branch697-B Hillside Avenue, New Hyde Park, NY 11040Directions
- 99 Park Avenue99 Park Ave, New York, NY 10016Directions
- Chatham Square Branch5 Chatham Sq, New York, NY 10038Directions
- Chinatown183 Canal St, New York, NY 10013Directions
- Country Bank Branch655 3rd Ave Fl 9, New York, NY 10017Directions
- Park Avenue225 Park Ave S, New York, NY 10003Directions
- Third Avenue Branch655 Third Avenue, Ground Floor, New York, NY 10017Directions
- Port Jefferson Station Branch4747 Nesconset Hwy, Port Jefferson Station, NY 11776Directions
- Scarsdale Branch80 Garth Rd, Scarsdale, NY 10583Directions
- Shirley Branch1044 William Floyd Pkwy, Shirley, NY 11967Directions
- Flushing Bank Branch260e Rxr Plz, Uniondale, NY 11556Directions
New Jersey
35 branches
New York area · 20
- OceanFirst Bank, National AssociationMain office975 Hooper Ave, Toms River, NJ 08753Directions
- Brick Branch321 Chambers Bridge Rd, Brick, NJ 08723Directions
- Pavilion Branch70 Brick Blvd, Brick, NJ 08723Directions
- Forked River Branch900 Lacey Rd, Forked River, NJ 08731Directions
- Freehold Marketplace Branch308 W Main St, Freehold, NJ 07728Directions
- Leesville Branch10 Leesville Rd, Jackson, NJ 08527Directions
- Little Egg Harbor Branch425 Route 9 S, Little Egg Harbor, NJ 08087Directions
- Manahawkin Branch205 Route 72 W, Manahawkin, NJ 08050Directions
- Wall Branch2445 Route 34, Manasquan, NJ 08736Directions
- Matawan Branch267 Main St, Matawan, NJ 07747Directions
- New Brunswick Branch133 Neilson St, New Brunswick, NJ 08901Directions
- Perth Amboy Branch145 Fayette St, Perth Amboy, NJ 08861Directions
- Pt Pleasant Boro Branch2400 Bridge Ave, Point Pleasant, NJ 08742Directions
- Port Monmouth Office Branch357 Highway 36, Port Monmouth, NJ 07758Directions
- Middletown Branch442 Highway 35, Red Bank, NJ 07701Directions
- Tinton Falls Branch656 Shrewsbury Ave, Tinton Falls, NJ 07701Directions
- Lake Ridge Branch147 Route 70, Toms River, NJ 08755Directions
- Route 37 West Branch55 Bananier Dr, Toms River, NJ 08755Directions
- South Avenue Branch520 South Ave W, Westfield, NJ 07090Directions
- Whiting Branch400 Lacey Rd, Whiting, NJ 08759Directions
Atlantic City area · 9
- Atlantic City Branch1801 Atlantic Avenue, Atlantic City, NJ 08401Directions
- Cape May Branch217 Jackson St, Cape May, NJ 08204Directions
- Cape May Court House907 Route 9 S, Cape May Court House, NJ 08210Directions
- Egg Harbor Township Branch3003 Fire Road, Egg Harbor Township, NJ 08234Directions
- Hammonton Branch12th Street And First Road, Hammonton, NJ 08037Directions
- Linwood Branch1777 New Rd, Linwood, NJ 08221Directions
- Margate City Branch7806 Ventnor Ave, Margate City, NJ 08402Directions
- Mays Landing Branch5401 Harding Hwy, Mays Landing, NJ 08330Directions
- Ocean City Branch1001 Asbury Ave, Ocean City, NJ 08226Directions
Vineland area · 3
- W Broad St Branch85 W Broad St, Bridgeton, NJ 08302Directions
- 1107 N High Street Branch1107 High St N, Millville, NJ 08332Directions
- Vineland-Main Road Branch175 S Main Rd, Vineland, NJ 08360Directions
Philadelphia area · 2
- Logan Township Branch303 Village Center Dr, Logan Township, NJ 08085Directions
- Maple Shade Branch597 Route 38 W, Maple Shade, NJ 08052Directions
Trenton area · 1
- Hamilton Square Branch411 Route 33, Trenton, NJ 08619Directions
Pennsylvania
1 branch
- Market Street Branch1500 Market St, Philadelphia, PA 19102Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.62% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.66% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.35% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $91 | $85 | — |
- CapitalLeverage ratio12.62%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.66%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.35%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$91Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of OceanFirst Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.