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OceanFirst Financial OCFC Net Interest Income (After Provisions)
Net Interest Income (After Provisions) at other companies
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Where this comes from
Reported directly by OceanFirst Financial in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.
The source filing: OceanFirst Financial’s 10-Q, filed August 7, 2026.
- Filed
- Aug 7, 2026, 4:09 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001004702-26-000120
| Line item | For the Three Months Ended June 30, 2026 | For the Three Months Ended June 30, 2025 | For the Six Months Ended June 30, 2026 | For the Six Months Ended June 30, 2025 |
|---|---|---|---|---|
| Total interest expense | 88,874 | 67,189 | 160,718 | 134,240 |
| Net interest income | 120,730 | 87,636 | 217,177 | 174,288 |
| Provision for credit losses | 4,002 | 3,039 | 6,740 | 8,379 |
| Net interest income after provision for credit losses | 116,728 | 84,597 | 210,437 | 165,909 |
| Other income (loss): | ||||
| Bankcard services revenue | 1,772 | 1,619 | 3,401 | 3,082 |
| Trust and asset management revenue | 384 | 374 | 817 | 780 |
| Fees and service charges | 3,389 | 4,969 | 6,202 | 9,681 |
Item 4. Controls and Procedures
FAQ
- What is OceanFirst Financial's net interest income (after provisions)?
- OceanFirst Financial (OCFC) reported net interest income (after provisions) of $116.73M in Q2 2026.
- How has OceanFirst Financial's net interest income (after provisions) changed year-over-year?
- OceanFirst Financial's net interest income (after provisions) increased by 38.0% year-over-year, from $84.6M to $116.73M.
- What is the long-term trend for OceanFirst Financial's net interest income (after provisions)?
- Over 4 years (2021 to 2025), OceanFirst Financial's net interest income (after provisions) has grown at a 2.1% compound annual growth rate (CAGR), from $317.17M to $344.05M.
- What does net interest income (after provisions) mean?
- This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover potential future loan defaults. It provides a more accurate view of the bank's profitability by accounting for the inherent risk in the loan portfolio. A stable or increasing trend suggests prudent risk management and high asset quality.
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