OceanFirst Financial Corp 2026年季度报告 OceanFirst Financial Corp 2026年度报告

FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934For the quarterly period ended March 31, 2026☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934For the transition period fromtoCommission file number 001-11713 OceanFirst Financial Corp. (Exact name of registrant as specified in its charter) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company.See the definitions of “large accelerated filer,” “accelerated filer,” “smaller If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).YES☐NO☒. As of April27, 2026, there were 57,600,069 shares of the Registrant’s Common Stock, par value $0.01 per share, outstanding. OceanFirst Financial Corp. INDEX TO FORM 10-Q PART I.FINANCIAL INFORMATION Item 1.Consolidated Financial Statements (unaudited) Consolidated Statements of Financial Condition as of March 31, 2026(unaudited) and December 31, 202519Consolidated Statements of Income (unaudited) for the three months ended March 31, 2026 and 202520Consolidated Statements of Comprehensive Income (unaudited) for the three months ended March 31, 2026and 202521 Item 4.Controls and Procedures PARTII.Other Information Glossary of Defined Terms The acronyms and abbreviations identified below are used throughout this report, including the Notes to Consolidated FinancialStatements. (2) Ratios are annualized. (3) Ratios are based on net income available to common stockholders.(4) Performance ratios for the quarter ended March 31, 2026 included a net expense related to a net loss on equity investments, restructuring charges, and merger related expenses of $4.6 million, or $3.8 million, net of tax benefit. Performance ratios for the quarter ended December 31, 2025 included a netexpense related to net gain on equity investments, restructuring charges, credit risk transfer execution expense and merger related expenses of $12.7million, or $10.4 million, net of tax benefit. Performance ratios for the quarter ended March 31, 2025 included a net benefit related to a net gain on equityinvestments of $205,000, or $156,000, net of tax expense. (5) Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities. (6) Net interest margin represents net interest income as a percentage of average interest-earning assets.(7) Efficiency ratio represents the ratio of operating expenses to the aggregate of other income and net interest income. (8) Total loans receivable excludes loans held-for-sale. (9) Non-performing assets consist of non-performing loans and real estate acquired through foreclosure. Non-performing loans and assets generally consist of (10) Loans acquired from acquisitions were recorded at fair value. The net unamortized credit and PCD marks on these loans, not reflected in the allowancefor loan credit losses, was $3.8 million, $4.0 million, and $5.6 million at March 31, 2026, December 31, 2025 and March 31, 2025, respectively. Summary OceanFirst Financial Corp. is the holding company for the Bank, a regional bank serving business and retail customers throughoutNew Jersey and the major metropolitan areas from Massachusetts through Virginia.The term “Company” refers to OceanFirstFinancial Corp., the Bank and all their subsidiaries on a consolidated basis.The Company’s results of operations are primarilydependent on net interest income, which is the difference between the interest income earned on interest-earning assets, such as loansand investments, and the interest expense on its interest-bearing liabilities, such as deposits and borrowings. The Company alsogenerates non-interest income such as income from bankcard services, trust and asset management products and services, depositaccount services, sales of loans and investments, bank owned life insurance and commercial loan swap income. The Company’s Key devel