OceanFirst Financial OCFC Deferred Tax Liabilities Deferred Loan Fees And Costs

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Questions, answered.

What is OceanFirst Financial's deferred tax liabilities deferred loan fees and costs?

OceanFirst Financial (OCFC) reported deferred tax liabilities deferred loan fees and costs of $5.74M in Q4 2025.

How has OceanFirst Financial's deferred tax liabilities deferred loan fees and costs changed year-over-year?

OceanFirst Financial's deferred tax liabilities deferred loan fees and costs increased by 104.0% year-over-year, from $2.81M to $5.74M.

What is the long-term trend for OceanFirst Financial's deferred tax liabilities deferred loan fees and costs?

Over 5 years (2020 to 2025), OceanFirst Financial's deferred tax liabilities deferred loan fees and costs has grown at a 14.1% compound annual growth rate (CAGR), from $2.97M to $5.74M.

What does deferred tax liabilities deferred loan fees and costs mean?

This represents the deferred tax liability arising from the timing difference between the recognition of loan fees and costs for financial reporting versus tax purposes. It reflects the tax impact of amortizing these items over the life of the loan as opposed to immediate recognition. This metric is essential for understanding the tax timing differences inherent in the bank's core lending operations.