OCEANFIRST FINANCIAL CORP (OCFC) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — OCFC

Balance Sheet

(in billions USD)

Metric	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.27	0.14	0.27	0.17	0.16	0.21	0.18	0.13	0.41	0.46	0.50	0.17	0.19	0.21	1.01	1.11	1.19
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	7.82
Total Assets	23.27	14.56	14.32	13.33	13.31	13.49	13.32	13.42	13.50	13.54	13.56	12.68	12.44	12.16	11.83	11.48	11.58
Total Deposits	17.76	11.16	10.44	10.23	10.18	10.12	9.99	10.24	10.53	10.16	9.99	9.96	9.83	10.06	9.77	9.42	9.50
Total Liabilities	20.86	12.89	12.67	11.68	11.60	11.79	11.65	11.75	11.86	11.91	11.94	11.14	10.92	10.65	10.32	9.98	10.08
Retained Earnings	0.66	0.67	0.66	0.66	0.65	0.63	0.62	0.61	0.58	0.57	0.55	0.50	0.47	0.46	0.43	0.42	0.40
Total Stockholder Equity*	2.41	1.67	1.65	1.64	1.71	1.69	1.68	1.67	1.64	1.63	1.61	1.54	1.52	1.52	1.51	1.51	1.50

* Derived from reported values

Income Statement

(in millions USD) (except per-share rows)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Interest & Dividend Income	209.60	168.29	171.73	162.19	154.82	153.70	159.62	161.53	159.43	161.60	160.43	158.41	150.10	139.03	130.28	110.50	99.42	90.98	88.46	85.42
Interest Expense	--	--	--	--	--	--	--	--	--	75.38	72.61	67.41	57.99	40.23	23.79	14.53	8.62	6.76	7.87	8.29
Net Interest Income	120.73	96.45	95.28	90.66	87.64	86.65	83.33	82.22	82.26	86.22	87.82	91.00	92.11	98.80	106.49	95.97	90.80	84.23	80.59	77.13
Provision for Credit Losses	4.00	2.74	3.70	4.09	3.04	5.34	3.47	0.52	3.11	0.59	3.15	10.28	1.23	3.01	3.65	1.02	1.25	1.85	(1.57)	(10.26)
Non-interest Income	10.60	6.75	9.41	12.30	11.73	11.25	12.23	14.68	10.99	12.29	11.86	10.76	8.93	2.07	27.55	15.15	7.54	8.85	9.41	9.88
Pretax Income	(2.53)	27.05	16.85	22.54	24.86	28.27	27.25	32.65	31.51	39.25	36.34	26.99	36.88	36.55	70.66	51.10	38.42	33.73	26.74	31.52
Tax Provision	0.50	6.55	3.75	5.16	5.77	6.81	5.08	7.46	7.08	10.64	8.59	6.46	9.00	8.65	17.35	12.30	8.94	7.97	4.08	7.35
Net Income	(3.03)	20.51	13.09	17.33	19.05	21.51	21.91	25.12	24.37	28.67	27.68	20.67	27.80	27.88	53.27	38.61	28.96	25.76	22.66	24.17
Basic EPS	(0.04)	0.36	0.24	0.30	0.28	0.35	0.36	0.42	0.40	0.47	0.46	0.33	0.45	0.46	0.89	0.64	0.48	0.42	0.37	0.40
Diluted EPS	(0.04)	0.36	0.24	0.30	0.28	0.35	0.36	0.42	0.40	0.47	0.46	0.33	0.45	0.46	0.89	0.64	0.47	0.42	0.37	0.39

Cash Flow Statement

(in millions USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Operating Cash Flow	36.04	25.21	36.00	24.41	28.58	(1.79)	44.80	(22.39)	23.72	46.11	(26.82)	54.82	71.89	24.37	40.45	83.70	68.65	57.64	40.92	(19.75)
Capital Expenditures	2.58	1.95	2.88	1.57	1.39	1.86	1.62	1.09	4.18	0.68	1.65	1.35	2.56	2.15	1.75	2.61	4.04	7.71	15.55	11.24
Free Cash Flow*	33.46	23.26	33.12	22.84	27.19	(3.64)	43.19	(23.47)	19.53	45.43	(28.47)	53.48	69.32	22.22	38.70	81.09	64.61	49.94	25.38	(30.99)
Investing Cash Flow	418.63	(1.59)	(387.34)	(888.19)	(23.68)	123.61	(8.60)	(153.59)	147.99	120.60	(342.11)	8.73	(7.97)	(146.65)	(411.83)	(235.38)	(249.12)	(424.68)	(751.37)	(424.72)
Financing Cash Flow	(317.59)	(21.77)	212.34	967.31	1.98	(81.72)	(126.76)	208.96	(120.93)	(190.01)	113.77	(112.42)	(102.40)	450.52	368.66	133.32	158.35	353.43	(72.44)	341.06

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Dividends Per Share	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.20	0.17	0.17	0.17	0.17