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OceanFirst Financial OCFC FDIC assessments

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Other financials

Income statement

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Revenue$131.3M+32.2%
Net income-$3.0M-116%
EPS (diluted)-$0.04-114%

Balance sheet

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Cash & equivalents$274.1M+60.6%
Total debt$2.4B+94.0%
Total equity$2.4B+46.8%
Total assets$23.3B+74.6%

Cash flow

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Operating cash flow$36.0M+26.1%
CapEx$2.6M+85.1%
Free cash flow$33.5M+23.1%

Valuation

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Market cap$1.91B+102%
Enterprise value$4B+101%
P/E39.9×+29.1×
P/S4.3×+1.9×

Profitability

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Net margin10.8%-11.6pp
FCF margin25.5%

Returns & leverage

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Return on equity2.4%-2.9pp
Debt / equity+0.2×

Where this comes from

Reported directly by OceanFirst Financial in its filing.

Tagged under the XBRL concept us-gaap:FederalDepositInsuranceCorporationPremiumExpense.

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 itemFor the Three Months Ended June 30, 2026For the Three Months Ended June 30, 2025For the Six Months Ended June 30, 2026For the Six Months Ended June 30, 2025
Occupancy7,3335,45413,16510,951
Equipment1,1118692,0321,790
Marketing1,8941,5412,8572,649
Federal deposit insurance and regulatory assessments4,1302,8987,3455,881
Data processing7,6556,80814,70713,455
Check card processing1,0971,1562,1952,326
Professional fees3,4054,3366,6276,761
Amortization of intangibles2,5869063,4341,846

Item 4. Controls and Procedures

FAQ

What is OceanFirst Financial's FDIC assessments?
OceanFirst Financial (OCFC) reported FDIC assessments of $4.13M in Q2 2026.
How has OceanFirst Financial's FDIC assessments changed year-over-year?
OceanFirst Financial's FDIC assessments increased by 42.5% year-over-year, from $2.9M to $4.13M.
What is the long-term trend for OceanFirst Financial's FDIC assessments?
Over 4 years (2021 to 2025), OceanFirst Financial's FDIC assessments has grown at a 17.2% compound annual growth rate (CAGR), from $6.16M to $11.6M.
What does FDIC assessments mean?
This represents the mandatory insurance premiums paid by the bank to the Federal Deposit Insurance Corporation (FDIC) to insure customer deposits. These assessments are typically based on the bank's total assets and risk profile. Higher expenses may indicate an increase in the bank's deposit base or a shift in its risk assessment by regulators.

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