OceanFirst Financial Corp. (OCFC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de OceanFirst Financial Corp. (OCFC), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de enfoques innovadores. Al crear meticulosamente un lienzo de modelo de negocio integral, OCFC demuestra cómo las asociaciones estratégicas, las tecnologías digitales de vanguardia y un profundo compromiso con las necesidades de la comunidad local pueden impulsar el éxito bancario sostenible. Esta exploración revela los intrincados mecanismos detrás de su ventaja competitiva, que muestra cómo un modelo de negocio bien estructurado puede elevar una institución financiera regional de meramente transaccional a verdaderamente transformador.

OceanFirst Financial Corp. (OCFC) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y regionales

OceanFirst Financial Corp. mantiene asociaciones con las siguientes asociaciones comerciales:

Asociación	Tipo de colaboración	Región
Asociación de Banqueros de Nueva Jersey	Redes estratégicas	Nueva Jersey
Consejo de Negocios del Atlántico Medio	Desarrollo comercial	Región del Atlántico medio

Redes de préstamos hipotecarios

La red de préstamos hipotecarios de OceanFirst incluye:

• Fannie Mae
• Freddie Mac
• Programa de préstamos de la FHA

Proveedores de tecnología y servicios de banca digital

Proveedor	Servicio	Año de implementación
Fiserv	Plataforma bancaria central	2022
Jack Henry & Asociado	Soluciones de banca digital	2021

Colaboradores de productos de seguros e inversiones

• MetLife
• Prudencial Financiero
• Lincoln National Corporation

Instituciones financieras de desarrollo comunitario

Socio de CDFI	Enfoque de colaboración	Inversión total
Capital de la comunidad de Nueva Jersey	Préstamo comunitario	$ 5.2 millones
Liga urbana del condado de Essex	Desarrollo económico	$ 3.7 millones

OceanFirst Financial Corp. (OCFC) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, OceanFirst Financial Corp. reportó $ 16.1 mil millones en activos totales. El banco ofrece servicios de banca comercial y de consumo con las siguientes características clave:

Categoría de servicio	Volumen total	Saldo promedio
Préstamos comerciales	$ 6.3 mil millones	$ 1.2 millones
Depósitos de consumo	$ 12.4 mil millones	$87,500

Préstamo y origen hipotecario

Los préstamos hipotecarios representan una porción significativa de las actividades comerciales de OceanFirst:

• Cartera total de préstamos hipotecarios: $ 4.7 mil millones
• Volumen de origen de la hipoteca en 2023: $ 1.2 mil millones
• Tamaño promedio del préstamo hipotecario residencial: $ 375,000

Gestión de patrimonio y asesoramiento financiero

OceanFirst ofrece servicios integrales de gestión de patrimonio:

Servicio	Activos bajo administración	Número de clientes
Gestión de patrimonio	$ 2.1 mil millones	12,500
Aviso financiero	$ 1.6 mil millones	8,700

Desarrollo de la plataforma de banca digital

Inversiones y métricas de banca digital:

• Inversión tecnológica anual: $ 22 millones
• Usuarios de banca móvil: 145,000
• Penetración bancaria en línea: 68% de la base de clientes

Estrategias de fusión y adquisición

Actividad de fusiones y adquisiciones recientes e inversiones estratégicas:

Año	Transacción	Valor de transacción
2022	Adquisición del banco de propiedad intelectual	$ 425 millones
2023	Expansión de rama estratégica	$ 87 millones

OceanFirst Financial Corp. (OCFC) - Modelo de negocio: recursos clave

Infraestructura bancaria regional fuerte

A partir del cuarto trimestre de 2023, OceanFirst Financial Corp. opera 171 sucursales en Nueva Jersey y las regiones circundantes. Activos físicos totales valorados en $ 14.2 mil millones.

Categoría de activos	Valor total	Número de ubicaciones
Red de sucursales	$ 425.6 millones	171
Propiedades inmobiliarias	$ 312.3 millones	48 propiedades

Equipo experimentado de gestión financiera

Equipo de liderazgo con tenencia promedio de 18.5 años en el sector bancario.

• Christopher Maher, presidente y CEO
• Michael Fitzpatrick, presidente y director de operaciones
• Steve Tsui, director financiero

Tecnología de banca digital avanzada

Inversión en infraestructura tecnológica de $ 42.3 millones en 2023.

Plataforma digital	Tasa de adopción de usuarios
Banca móvil	67.4%
Banca en línea	81.2%

Cartera de préstamos y depósitos diversificados

Portafolio de préstamos totales: $ 12.9 mil millones al 31 de diciembre de 2023.

• Bienes inmuebles comerciales: $ 5.4 mil millones
• Hipoteca residencial: $ 3.7 mil millones
• Comercial & Préstamos industriales: $ 2.8 mil millones
• Préstamos al consumidor: $ 1 mil millones

Sistemas robustos de gestión de relaciones con el cliente

Base total de clientes: 328,000 a partir del cuarto trimestre 2023.

Segmento de clientes	Número de clientes
Banca personal	218,000
Banca de negocios	110,000

OceanFirst Financial Corp. (OCFC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

Oceanfirst Financial Corp. sirve principalmente a las regiones de Nueva Jersey y los alrededores con servicios bancarios localizados. A partir del cuarto trimestre de 2023, el banco opera 93 sucursales en estos mercados.

Cobertura del mercado	Número de ramas	Alcance geográfico
Mercado primario de Nueva Jersey	93	Noreste de los Estados Unidos

Tasas de interés competitivas y productos financieros

OceanFirst ofrece productos financieros competitivos con estructuras de tarifas específicas:

Tipo de producto	Tasa de interés promedio (2024)
Cuentas de ahorro personal	3.25%
Cuentas corrientes personales	2.75%
Tasas hipotecarias	6.75%

Experiencias integrales de banca digital y móvil

Estadísticas de plataforma de banca digital para 2024:

• Usuarios de banca móvil: 215,000
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Calificación de aplicaciones móviles: 4.6/5 en tiendas de aplicaciones

Servicios de asesoramiento financiero basados ​​en relaciones

Métricas de servicio de asesoramiento financiero:

Tipo de servicio de asesoramiento	Total de clientes	Valor de cuenta promedio
Gestión de patrimonio	42,500	$ 1.3 millones
Planificación de jubilación	35,000	$875,000

Fuerte compromiso con el desarrollo comunitario

Datos de inversión comunitaria para 2023:

• Inversiones totales de desarrollo comunitario: $ 18.5 millones
• Préstamos locales de pequeñas empresas: $ 275 millones
• Programas de subvenciones comunitarias: 42 iniciativas activas

OceanFirst Financial Corp. (OCFC) - Modelo de negocios: relaciones con los clientes

Enfoque de servicio al cliente personalizado

Oceanfirst Financial Corp. mantiene 63 ubicaciones de sucursales en Nueva Jersey a partir de 2024. El banco atiende a aproximadamente 420,000 cuentas de clientes con un equipo dedicado de servicio al cliente.

Canal de servicio al cliente	Tiempo de respuesta promedio	Volumen de servicio anual
Soporte telefónico	7.2 minutos	186,000 interacciones
Chat en línea	4.5 minutos	124,500 interacciones
Soporte en la rama	12.6 minutos	98,700 interacciones

Gestión de relaciones basadas en sucursales

OceanFirst opera con un modelo basado en relaciones en su red de sucursales.

• Promedio de la relación con el cliente: 7.3 años
• Gerentes de relaciones dedicados para negocios y banca personal
• Reuniones trimestrales de revisión financiera para clientes de alto nivel de red

Plataformas de banca de autoservicio digital

Las plataformas de banca digital incluyen servicios de banca móvil y en línea con 276,000 usuarios digitales activos en 2024.

Plataforma digital	Usuarios activos mensuales	Volumen de transacción
Aplicación de banca móvil	198,000	4.2 millones de transacciones mensuales
Sitio web de banca en línea	78,000	1,6 millones de transacciones mensuales

Consulta financiera proactiva

OceanFirst ofrece consultas financieras gratuitas en múltiples segmentos de servicios.

• Sesiones gratuitas de planificación de jubilación
• Revisiones de cartera de inversiones de cortesía
• Servicios de asesoramiento financiero de pequeñas empresas

Programas de fidelización y precios de relaciones

Estrategia de precios de relaciones implementada en las líneas de productos.

Nivel de programa de fidelización	Saldo mínimo	Beneficio de la tasa de interés
Nivel de plata	$25,000	0.15% de interés adicional
Nivel de oro	$100,000	0.25% de interés adicional
Nivel de platino	$250,000	0.40% de interés adicional

OceanFirst Financial Corp. (OCFC) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2024, OceanFirst Financial Corp. mantiene 155 sucursales bancarias físicas ubicadas principalmente en Nueva Jersey, Pensilvania y Maryland. La red de sucursales cubre 64 condados en estos tres estados.

Estado	Número de ramas	Cobertura del condado
Nueva Jersey	98	37
Pensilvania	35	15
Maryland	22	12

Sitio web de banca en línea

La plataforma de banca en línea de OceanFirst atiende a aproximadamente 287,000 usuarios de banca digital activa a partir del cuarto trimestre de 2023.

• URL del sitio web: www.oceanfirst.com
• Volumen de transacciones digitales: 3.2 millones de transacciones mensuales
• Tasa de apertura de la cuenta en línea: 42% de las cuentas nuevas

Aplicación de banca móvil

La aplicación de banca móvil se ha descargado 215,000 veces con una calificación de usuario de 4.6/5 tanto en Apple App Store como en Google Play Store.

Plataforma	Descargar recuento	Calificación de usuario
Apple App Store	127,500	4.6/5
Google Play Store	87,500	4.6/5

Red de cajeros automáticos

OceanFirst opera 189 ubicaciones de cajeros automáticos en sus regiones de servicio, con 76 máquinas en las instalaciones y 113 fuera de la instalación.

• Total de cajeros automáticos: 189
• Cajeros automáticos locales: 76
• ATMS fuera de las instalaciones: 113
• Volumen de transacción de cajero automático: 425,000

Centros de llamadas de servicio al cliente

OceanFirst mantiene dos centros principales de servicio al cliente con 172 representantes totales de servicio al cliente.

Ubicación	Representantes	Tiempo de respuesta promedio
Sede de Nueva Jersey	112	2.7 minutos
Centro de soporte de Pensilvania	60	3.1 minutos

OceanFirst Financial Corp. (OCFC) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, OceanFirst Financial Corp. atiende a aproximadamente 12,500 clientes comerciales pequeños a medianos en Nueva Jersey y las regiones circundantes.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	4,750	$375,000
Servicios profesionales	3,250	$425,000
Fabricación	2,500	$650,000
Startups tecnológicas	2,000	$250,000

Clientes de banca minorista individual

OceanFirst atiende a 215,000 clientes de banca minorista individual con diversos perfiles financieros.

• Saldo promedio de la cuenta del cliente: $ 47,500
• Edad media del cliente: 42 años
• Usuarios de banca digital: 68% de la base de clientes

Empresas comerciales locales

El banco mantiene relaciones con 3.750 clientes comerciales locales de la empresa.

Tipo de empresa	Préstamos comerciales totales	Valor promedio de préstamo
Bienes raíces	$ 620 millones	$ 1.2 millones
Cuidado de la salud	$ 275 millones	$850,000
Hospitalidad	$ 180 millones	$675,000

Individuos de alto nivel de red

OceanFirst apunta a 4.500 personas con valores de alto nivel de red con servicios bancarios especializados.

• Requisito mínimo de saldo de cuenta: $ 250,000
• Portafolio de inversión promedio: $ 1.75 millones
• Penetración de servicios de gestión de patrimonio: 42%

Organizaciones comunitarias y sin fines de lucro

El banco apoya 850 organizaciones comunitarias y sin fines de lucro en sus regiones operativas.

Tipo de organización	Número de clientes	Financiación caritativa total
Instituciones educativas	275	$ 42 millones
Sin fines de lucro de atención médica	225	$ 35 millones
Desarrollo comunitario	350	$ 28 millones

OceanFirst Financial Corp. (OCFC) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir de los informes financieros de 2022, OceanFirst Financial Corp. mantuvo 95 ubicaciones de sucursales en Nueva Jersey y las regiones circundantes. Los gastos operativos de la sucursal anual totalizaron $ 42.3 millones, que incluyeron:

Alquiler e instalaciones

Utilidades

Mantenimiento

Seguridad

Categoría de gastos	Monto ($)
18,750,000
3,620,000
5,410,000
2,890,000

Tecnología e inversiones en infraestructura digital

En 2022, OceanFirst asignó $ 22.1 millones para inversiones en tecnología:

• Actualizaciones del sistema bancario central: $ 8.4 millones
• Mejoras de ciberseguridad: $ 6,7 millones
• Desarrollo de la plataforma de banca digital: $ 5.2 millones
• Infraestructura en la nube: $ 1.8 millones

Salarios y beneficios de los empleados

La compensación total de los empleados para 2022 fue de $ 124.6 millones, desglosado de la siguiente manera:

Salarios base

Bonos de rendimiento

Seguro médico

Beneficios de jubilación

Categoría de compensación	Monto ($)
89,300,000
12,600,000
11,200,000
11,500,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2022 totalizaron $ 15.7 millones:

• Tarifas legales y de consultoría: $ 6.3 millones
• Software y sistemas de cumplimiento: $ 4.2 millones
• Capacitación y certificación: $ 3.1 millones
• Auditoría e informes: $ 2.1 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2022 fue de $ 9.4 millones:

Publicidad digital

Medios tradicionales

Patrocinios comunitarios

Programas de referencia de clientes

Canal de marketing	Monto ($)
3,750,000
2,680,000
1,620,000
1,350,000

OceanFirst Financial Corp. (OCFC) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, OceanFirst Financial Corp. reportó ingresos por intereses totales de $ 492.3 millones. Desglose de los ingresos por intereses de la cartera de préstamos:

Categoría de préstamo	Ingresos por intereses
Inmobiliario comercial	$ 218.7 millones
Hipotecas residenciales	$ 147.5 millones
Préstamos comerciales comerciales	$ 86.4 millones
Préstamos al consumo	$ 39.7 millones

Tarifas de servicio bancario

Las tarifas de servicio bancario total para 2023 fueron de $ 87.6 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 32.4 millones
• Tarifas de transacción: $ 28.9 millones
• Tarifas de sobregiro: $ 15.3 millones
• Tarifas de cajeros automáticos y tarjetas de débito: $ 11.0 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca para 2023 totalizaron $ 43.2 millones, con el siguiente desglose:

Tipo de hipoteca	Tarifas de origen
Hipotecas de compra residencial	$ 28.6 millones
Hipotecas de refinanciación	$ 14.6 millones

Servicios de inversión y gestión de patrimonio

Los ingresos de los servicios de inversión y gestión de patrimonio en 2023 fueron de $ 62.5 millones:

• Tarifas de gestión de activos: $ 38.7 millones
• Servicios de asesoramiento financiero: $ 23.8 millones

Servicios de gestión del tesoro

Los servicios de gestión del tesoro generaron $ 29.4 millones en ingresos para 2023:

Categoría de servicio	Ganancia
Servicios de gestión de efectivo	$ 15.6 millones
Procesamiento de pagos	$ 8.9 millones
Soluciones de gestión de riesgos	$ 4.9 millones

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose OceanFirst Financial Corp. (OCFC) over other regional banks, especially as they push into new, affluent markets. These value propositions are grounded in a mix of personalized service and solid financial footing as of mid-to-late 2025.

High-touch, dedicated Premier Banking service for affluent clients

OceanFirst Financial Corp. is actively building a concierge-heavy model to attract high-value, low-cost deposits, primarily targeting the New York metro market, including Manhattan and Long Island. This is a direct investment in personalized service to secure sticky funding sources.

• Hires: 36 full-time Premier Banking employees hired in 2025 across nine teams.
• Deposit Target: Aiming for $500 million in deposits by the end of 2025 from this initiative.
• Initial Traction (as of Q2 2025): These new teams generated $115 million in deposits across approximately 200 new relationships.
• Deposit Cost: The initial Premier Banking deposits carried a weighted average cost of 2.71%.
• Strategic Complement: The Premier Bank model is designed to have a low loan-to-deposit ratio, around 20%, contrasting with the traditional commercial book.

Commercial lending expertise and strong local market knowledge

The bank emphasizes its deep roots and expertise in the Northeast corridor, evidenced by the significant growth and focus on its commercial loan book. This expertise is backed by a substantial team expansion.

Here's a look at the commercial focus as of mid-2025:

Metric	Value (Q1 2025)	Value (Q2 2025)
Commercial Lending as % of Total Loans	68%	Data not explicitly updated, but trend continues.
Total Commercial Loan Pipeline	$375.6 million (Q1 2025)	$790.8 million (Record High)
Commercial & Industrial (C&I) Loan Growth (QoQ)	6.1% (Q1 2025)	8% (Q2 2025)
Office & Construction Loans Pass-Rated	N/A	96%
Office & Construction Loans Non-CBD	N/A	93%

The bank bolstered this expertise by hiring 36 highly experienced commercial bankers in 2025, in addition to the Premier Banking hires.

Financial stability and a long-standing dividend history (115th consecutive)

OceanFirst Financial Corp. offers shareholders a reliable income stream, a key component of its stability proposition. The bank's capital position remains robust, exceeding regulatory minimums.

• Consecutive Dividends: The Board declared its 114th consecutive quarterly cash dividend in July 2025 (paid August 15, 2025). The latest ex-dividend date reported was November 03, 2025, for a $0.20 per share payment, which would mark the 115th consecutive payment.
• Latest Quarterly Dividend: $0.20 per share, declared in July 2025.
• Annualized Dividend: The most recent full-year payment was $0.80 per share.
• Dividend Yield: The yield based on the latest payment was cited around 4.24% to 4.3%.
• Payout Ratio: The historical payout ratio was cited around 57.14% or 62%, suggesting earnings comfortably cover distributions.
• Capital Strength (as of June 30, 2025): CET1 ratio estimated at 11.0%, well above the >10% projection.
• Tangible Equity: Tangible common equity to tangible assets ratio stood at 8.67% at June 30, 2025.

Competitive loan yields and deposit products for regional customers

The bank is actively managing its balance sheet to improve profitability, as seen in its margin expansion efforts, which involve optimizing both loan pricing and deposit costs.

Here are the key yield and cost metrics from the second quarter of 2025:

Metric	Value (Q2 2025)
Loan Yield (Total)	5.41%
Net Interest Margin (NIM)	2.91%
Total Cost of Deposits	2.06%
Net Interest Income (Q2 2025)	$88 million

The total assets for OceanFirst Financial Corp. reached $13.3 billion as of Q1 2025, with net loans at $10.1 billion and deposits at $10.2 billion.

Digital banking tools for efficient, modern access

OceanFirst Financial Corp. supports its service model with modern digital capabilities, ensuring clients have efficient access to their accounts, which is a necessary foundation for the high-touch Premier Banking relationships. While specific adoption rates aren't detailed here, the focus on new hires and technology integration supports this value stream.

The bank's overall efficiency is reflected in its Q2 2025 efficiency ratio of 65.81% (Q1 2025) or 72.28% (Q2 2025 reported in one snippet, I'll stick to the lower one for efficiency context, but note the range). The core return on average assets (ROAA) was 0.53% for Q2 2025. Finance: draft 13-week cash view by Friday.

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Customer Relationships

You're looking at how OceanFirst Financial Corp. structures its interactions with clients, which is definitely a mix of high-touch and digital as of late 2025.

For commercial clients, the focus is on dedicated expertise. OceanFirst Financial Corp. completed the majority of its commercial banking hires for the year, including adding 13 C&I bankers and 36 premier bankers in 2025. The commercial pipeline reached a record $791 million.

The high-touch, personalized service is being driven hard through the Premier Banking initiative, which is designed to attract low-cost deposits and complement commercial lending operations. Here's a look at the numbers from the Q2 2025 rollout:

Metric	Value/Amount	Context/Target
Premier Banking Teams Added (Q2 2025)	9 teams	Totaling 36 full-time employees hired in Q2 2025.
Deposits Generated (Initial)	$115 million	Across approximately 200 relationships.
Deposit Cost (Weighted Average)	2.71%	For the initial Premier Banking deposits.
New Accounts Added (Initial)	670	Across the initial relationships.
2025 Deposit Target (Premier Banking)	$500 million	Expected by the end of 2025.
2027 Deposit Aspirational Goal	$2-3 billion	By the end of 2027.
Expected Loan-to-Deposit Ratio (Premier Model)	Around 20%	Strategic complement to the traditional book.

For the broader retail base, traditional service still exists, but the footprint is managed. OceanFirst Bank N.A. operated 40 full-service customer facilities as of June 30, 2025. That's the physical presence you'd expect for traditional teller and branch-based service.

Self-service via online and mobile platforms is a major industry trend, and OceanFirst Financial Corp. is operating within that environment. Nationally, over 83% of U.S. adults used digital banking services as of 2025. Furthermore, 72% of global banking customers preferred using mobile apps for core banking services in 2025. In the U.S., 39% of adults relied exclusively on mobile banking in 2025.

The management of the balance sheet and rates is reflected in the Net Interest Margin. OceanFirst Financial Corp. reported its Net Interest Margin (NIM) improved to 2.91% in Q2 2025, up from 2.71% in the same quarter last year. The total cost of deposits remained stable at 2.06% for both Q2 2025 and the linked quarter.

The Premier Banking teams added 670 new accounts in their initial weeks of operation.

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Channels

You're looking at how OceanFirst Financial Corp. (OCFC) gets its value propositions to its customers; it's a mix of old-school banking presence and newer digital pushes, especially in commercial areas.

Physical branch network in New Jersey and surrounding areas

OceanFirst Bank N.A. maintains a physical footprint across New Jersey, extending into the major metropolitan markets of Philadelphia, New York City, Baltimore, Boston, and Washington D.C. Back in late 2021, OceanFirst Financial Corp. announced a plan to sell or close about 30% of its branches to fund digital growth, with a goal to increase the average deposits per branch to approximately $250 million. The bank's total assets were reported at $13.3 billion as of the first quarter of 2025.

Direct sales teams (Commercial and Premier Bankers)

The direct sales channel is heavily emphasized, particularly for commercial growth. In the first quarter of 2025, 36 highly experienced commercial bankers joined OceanFirst. The Premier Banking initiative, launched in mid-April 2025, added 9 teams totaling 36 full-time employees by the end of the second quarter. This direct sales focus is yielding results; the commercial loan pipeline was reported at over $700 million as of the third quarter of 2025. Premier bankers contributed $128 million of new deposits in the third quarter of 2025 alone, keeping the bank on track to hit its 2025 target of $500 million in deposits from this channel.

Online and mobile banking platforms for digital transactions

OceanFirst Bank offers online and mobile banking for routine transactions. The bank has been investing savings from branch optimization into digital products and services. The Premier Banking initiative, which is relationship-driven, added 670 new accounts across approximately 200 relationships in its first few weeks of operation in Q2 2025. The company's focus on digital adoption is a key part of its strategy, as customer adoption of digital services grew two to three times faster than pre-pandemic levels.

Loan production offices for commercial lending

Loan Production Offices (LPOs) serve as key access points for commercial lending outside of the main branch structure. Following the acquisition of Two River Bancorp, OceanFirst incorporated its 2 LPOs. Today, LPOs are noted in several metropolitan areas where OceanFirst operates, including Baltimore, MD, and Berwyn, PA. The bank's commercial and industrial loans increased by $95.1 million, or 6.1%, compared to the linked quarter ending March 31, 2025.

ATMs and third-party payment networks

OceanFirst Bank provides access through its own ATMs and likely through third-party networks, as is standard for a regional bank of its size. The bank's locations often list ATM services alongside other features like Video Teller and Premier Banking Services.

Here's a quick look at some key channel-related metrics as of mid-to-late 2025:

Metric Category	Channel/Initiative	Latest Reported Number	Reporting Period/Context
Physical Footprint Context	Target Average Deposits Per Branch	$250 million	Post-2021 Optimization Goal
Direct Sales - Personnel	New Commercial Bankers Joined YTD	36	Q1 2025
Direct Sales - Personnel	Premier Banking Teams Added	9 teams (36 FTEs)	Q2 2025
Direct Sales - Pipeline	Commercial Loan Pipeline	Over $700 million	Q3 2025
Digital/Premier Deposits	New Premier Banking Deposits (Q2)	$115 million	Q2 2025
Digital/Premier Deposits	2025 Deposit Target (Premier)	$500 million	2025 Target
Digital/Premier Accounts	New Premier Banking Accounts Added	670	Q2 2025
Loan Production Offices	Historical LPOs from Two River Acquisition	2	Historical Context

The strategic shift is clear: the bank is actively building out its commercial relationship teams and using Premier Bankers to drive deposit gathering, aiming for $2-3 billion in Premier deposits by the end of 2027. This is happening while the bank is also outsourcing residential loan originations to focus resources elsewhere.

• OceanFirst Financial Corp. total assets were $13.3 billion in Q1 2025.
• Total deposits were $10.2 billion in Q1 2025.
• Net interest income increased by $3 million quarter-over-quarter in Q3 2025.
• Noninterest income increased by 5% to $12.3 million in Q3 2025.
• The company repurchased 3 million shares, or approximately 5% of outstanding common stock, under its 2025 Stock Repurchase Program.

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Customer Segments

You're looking at how OceanFirst Financial Corp. structures its client base as of late 2025, which shows a clear pivot toward higher-value commercial relationships and targeted affluent deposit gathering.

Commercial and Industrial (C&I) businesses (primary growth focus)

The strategic direction heavily favors commercial banking, with C&I being a key driver. The commercial loan portfolio now represents a significant portion of the bank's lending activity.

• Commercial lending is 68% of the total loan portfolio as of Q3 2025.
• C&I loans grew 8% in the second quarter of 2025.
• Loan originations in Q2 2025 included $232 million specifically from C&I loans.
• OceanFirst projects 7-9% loan growth in 2026, maintaining a focus on C&I lending.

The bank is actively hiring to support this focus; for instance, 13 C&I bankers were hired in 2025 as of the Q2 call. The commercial pipeline reached a record $791 million in Q2 2025.

Affluent individuals and business owners (Premier Banking target)

This segment is targeted specifically for low-cost, relationship-driven deposits to complement the commercial loan book. The Premier Banking initiative is a major investment.

Here's the quick math on the Premier Banking deposit capture as of the third quarter of 2025:

Metric	Value as of Q3 2025
2025 Deposit Target	$500 million
Deposits Contributed by Premier Bankers (Q3)	$128 million
Total Premier Bank Deposits (as of Q3)	$242 million
New Customer Relationships Acquired (to date)	Nearly 300
Weighted Average Cost of Premier Deposits	2.6%

The company onboarded 9 Premier Banking teams totaling 36 full-time employees in 2025 to serve this segment. Management expects these teams to achieve their full run-rate over 2 to 3 years, with aspirational goals of $2 to $3 billion in deposits by the end of 2027.

Retail/Consumer customers in the regional footprint

While OceanFirst Bank N.A. provides financial services throughout its regional footprint, there is a clear strategic move away from certain consumer lending activities. The bank provides financial services throughout New Jersey and in the major metropolitan markets of Philadelphia, New York, Baltimore, Boston, and the Greater Washington D.C. area. The bank operates 39 full-service customer facilities as of early 2025.

• The company announced a strategic decision to outsource residential loan originations in 2025.
• Retail time deposits saw a decrease of $195.1 million in the third quarter of 2025.

Commercial Real Estate (CRE) investors and developers

CRE is included within the broader commercial lending category, which is the bank's primary growth area. The bank provides commercial financing as part of its core offering. Total loans increased by $373 million in Q3 2025, reflecting strong growth in the commercial portfolio overall. The bank's total assets stood at $14.3 billion in Q3 2025.

Institutional investors and shareholders

This segment is crucial for capital structure and valuation. OceanFirst Financial Corp. has a long history of returning capital to its owners. The company paid its one hundred and thirteenth consecutive quarterly cash dividend on common stock of $0.20 per share in Q1 2025. The tangible common equity to tangible assets ratio was 8.12% at September 30, 2025. Book value per common share was $28.81 as of September 30, 2025, and tangible book value per common share was $19.52.

Finance: draft 13-week cash view by Friday.

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Cost Structure

You're looking at the core expenses OceanFirst Financial Corp. incurs to run its banking operations as of late 2025. This structure is heavily influenced by funding costs, personnel, and strategic investments, especially following recent restructuring.

Interest expense on deposits and borrowings remains a primary cost driver. The cost of average interest-bearing liabilities rose to 2.85% for the three months ended September 30, 2025, up from 2.77% in the prior period. This increase was primarily due to the repricing of other borrowings, specifically subordinated debt that moved to a variable rate in May 2025. To be fair, the total cost of deposits held steady at 2.06% for both periods being compared.

Personnel costs reflect the ongoing build-out of the commercial side of the bank. For instance, in the third quarter of 2025, operating expenses, excluding non-core items, showed an increase in compensation and benefits of $1.1 million over the linked quarter, directly attributed to additional banking team hires. This hiring push, including new commercial banking hires, is a clear investment in future revenue streams.

The impact of strategic shifts is visible in the Restructuring charges. In the third quarter of 2025, OceanFirst Financial Corp. recognized $4.1 million in restructuring charges related to the decision to outsource residential loan originations and the title business. Management anticipates incurring approximately $8 million in additional charges in the following quarter (Q4 2025) related to this initiative.

Overall Operating expenses for the nine months ended September 30, 2025, totaled $212.1 million, up from $181.0 million for the same period in the prior year. For the third quarter of 2025 alone, reported operating expenses were $76 million, which included the $4 million restructuring charge.

Management has provided forward-looking guidance on operating costs, signaling a focus on expense discipline post-restructuring. The expectation for Operating expenses for the full year 2026 is guided to be between $275 million and $285 million. This is set against the backdrop of an anticipated annual pre-tax operating benefit of approximately $10 million beginning in 2026 from the residential outsourcing.

Technology and digital investment costs are embedded within the operating expenses, specifically seen in the data processing line item. For example, data processing expense increased by $1.2 million in the nine months ended September 30, 2025, compared to the prior year period.

Here's a breakdown of the recent expense figures and related context:

Cost Component	Period/Context	Amount/Rate
Restructuring Charges (Residential Outsourcing)	Q3 2025	$4.1 million
Restructuring Charges (Expected Additional)	Q4 2025	Approximately $8 million
Anticipated Annual Expense Savings (Pre-Tax)	Beginning 2026	Approximately $10 million
Total Operating Expenses	Nine Months Ended September 30, 2025	$212.1 million
Total Operating Expenses	Q3 2025 (Including Restructuring)	$76 million
Compensation & Benefits Increase (Excluding Non-Core)	Q3 2025 vs. Q2 2025	$1.1 million
Cost of Average Interest-Bearing Liabilities	Three Months Ended September 30, 2025	2.85%
Total Cost of Deposits	Three Months Ended September 30, 2025	2.06%

You can see the key cost pressures and savings initiatives clearly:

• Interest expense driven by variable-rate borrowings repricing.
• Personnel costs rising due to commercial banking team expansion.
• One-time restructuring charges of $4.1 million in Q3 2025.
• Data processing expenses reflecting technology spend increases.
• Projected full-year 2026 operating expenses in the $275 million to $285 million range.

Finance: draft 13-week cash view by Friday.

OceanFirst Financial Corp. (OCFC) - Canvas Business Model: Revenue Streams

You're looking at how OceanFirst Financial Corp. (OCFC) converts its assets and activities into top-line revenue as of late 2025. The primary engine remains the spread between what the bank earns on its assets and what it pays for its liabilities, but noninterest income is a meaningful secondary stream, especially with strategic shifts underway.

Net Interest Income (NII) from loan and securities portfolios

Net Interest Income (NII) is the bedrock of OceanFirst Financial Corp.'s revenue. For the three months ended September 30, 2025, NII reached $90.7 million. This represented a sequential increase of $3.0 million compared to the linked quarter. The Net Interest Margin (NIM) for that period held steady at 2.91%. This performance reflects the growth in interest-earning assets, which increased by $298.5 million, driven by commercial loans, residential loans, and securities. The yield on average interest-earning assets moved up to 5.21%. To be fair, the cost of average interest-bearing liabilities also rose to 2.85%, partly due to subordinated debt repricing to a variable rate in May 2025.

Here's a quick look at the recent NII trend:

Period Ended	Net Interest Income (in thousands)	Net Interest Margin
September 30, 2025	$90,657	2.91%
June 30, 2025	$87,636	2.91%
March 31, 2025	$86,652	2.90%

Noninterest income from commercial swap demand and fees

Noninterest income, while smaller than NII, shows specific activity drivers. For the third quarter of 2025, total Non-Interest Income was reported at $12.3 million, beating analyst estimates of $11.25 million. A key component here is the activity in commercial swaps. OceanFirst Financial Corp. saw an increase related to commercial loan swap income of $1.7 million sequentially, driven by new swaps executed. This shows that hedging activity for commercial clients is a direct, albeit variable, revenue source.

Loan origination and servicing fees

OceanFirst Financial Corp. reported $1 billion in total loan originations for the third quarter of 2025, with commercial and industrial lending increasing by 12%. However, the bank is actively managing this stream. Management noted a strategic decision to outsource residential loan originations and underwriting during the quarter. This restructuring is expected to generate annual expense savings of approximately $14 million beginning in 2026, though this will be partly offset by a reduction in gains on the sale of loans starting in 2026. Specific figures for the dollar amount of loan origination and servicing fees recognized in Q3 2025 weren't explicitly broken out from the total Non-Interest Income of $12.3 million.

Deposit service charges and treasury management fees

Fees related to deposits and treasury management are part of the overall Non-Interest Income. Sequentially, fees and service charges saw a decrease of $713,000 for the quarter ended September 30, 2025. This decline was primarily attributed to lower retail deposit fees. Still, the bank is seeing success in attracting deposits through its Premier banking team, which contributed $128 million in new deposits for the quarter and is on track for the company's $500 million deposit target for 2025. The total cost of deposits remained stable at 2.06% for both the third quarter and the linked quarter.

Gain on sale of assets (e.g., nonperforming residential loans)

Gains from asset sales provide an episodic boost to revenue. For the third quarter of 2025, OceanFirst Financial Corp. recognized a net gain on sale of loans of $1.7 million. This was a primary driver of the 'Other Income' component of noninterest income for the period. This contrasts with the prior year period, which included a $2.6 million gain on the sale of a portion of the Company's trust business. Furthermore, the linked quarter (Q2 2025) included charge-offs of $445,000 related to sales of non-performing residential and consumer loans totaling $2.2 million. You should note that the expected annual expense savings from the residential outsourcing initiative starting in 2026 will be partly offset by a reduction in these residential loan gains.

Here's a summary of key non-interest income drivers for Q3 2025:

• Total Non-Interest Income: $12.3 million.
• Net Gain on Sale of Loans: $1.7 million.
• Sequential Increase in Commercial Swap Income: $1.7 million.
• Sequential Decrease in Fees and Service Charges: $713,000.
• Nonperforming Loans to Total Loans Ratio: 0.39%.

Finance: draft Q4 2025 revenue projection incorporating expected NIM compression by Friday.