What is OceanFirst Financial's non-interest-bearing?

OceanFirst Financial (OCFC) reported non-interest-bearing of 0% in Q4 2025.

What does non-interest-bearing mean?

This metric represents the total balance of customer deposit accounts that do not accrue interest, such as standard demand deposit accounts. These deposits are a critical source of low-cost funding for the bank's lending activities. A higher proportion of these deposits generally improves the bank's net interest margin.

OceanFirst Financial OCFC Non-interest-bearing

Non-interest-bearing at other companies

Central Pacific FinancialCPF

$1.9B+2.3%

ServisFirst BancsharesSFBS

$152.35M+446%

F.N.B. CorporationFNB

$10B+1.4%

Old Second BancorpOSBC

$1.76B+2.4%

First Financial BanksharesFFIN

-$85.11M-124%

Eagle BancorpEGBN

$1.49B-7.4%

Other financials

Income statement

See full

Revenue$103.2M+5.4%

Net income$20.5M-4.7%

EPS (diluted)$0.36+2.9%

Balance sheet

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Cash & equivalents$137.0M-16.3%

Total debt$1.5B+29.7%

Total equity$1.7B-2.3%

Total assets$14.6B+9.4%

Cash flow

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Operating cash flow$25.2M+1,512%

CapEx$2.0M+5.2%

Free cash flow$23.3M+739%

Valuation

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Market cap$1.09B+11.8%

Enterprise value$2.47B+24.8%

P/E15.5×+5.1×

P/S2.7×+0.1×

Profitability

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Net margin17.1%-7.2pp

FCF margin25.9%—

Returns & leverage

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Return on equity4.1%-1.4pp

Debt / equity0.9×+0.2×

Where this comes from

Reported directly by OceanFirst Financial in its filing.

Tagged under the XBRL concept ocfc:NonInterestBearingDepositLiabilitiesWeightedAverageCostPercentage.

The official record: OceanFirst Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OceanFirst Financial's non-interest-bearing?: OceanFirst Financial (OCFC) reported non-interest-bearing of 0% in Q4 2025.
What does non-interest-bearing mean?: This metric represents the total balance of customer deposit accounts that do not accrue interest, such as standard demand deposit accounts. These deposits are a critical source of low-cost funding for the bank's lending activities. A higher proportion of these deposits generally improves the bank's net interest margin.