OceanFirst Financial is the holding company for OceanFirst Bank, a regional community bank headquartered in Toms River, New Jersey, with $14.6B in total assets. OceanFirst's core business is commercial real estate and C&I lending, funded primarily by retail and commercial deposits. The bank operates 41 branch offices across central and southern New Jersey, plus commercial loan production offices spanning major metro markets from Boston to Northern Virginia. The loan book is predominantly commercial, with CRE investor loans (~49% of loans) and C&I loans (~20%), while a residential mortgage portfolio (~29%) is expected to run off after OceanFirst outsourced new residential originations to a third-party mortgage partner in late 2025. OceanFirst earns money on the spread between loan yields and deposit costs, with NIM at ~2.87% at year-end 2025. The bank is growing by hiring C&I bankers across its footprint — C&I loans grew 42% in 2025 — and by building out a Premier Banking unit that targets deposit-rich commercial relationships, gathering $332M in deposits across 350+ new client relationships since launching in April 2025, with a target of $2-3B by end of 2027. OceanFirst also announced a merger with Flushing Financial, a New York-based community bank with ~$7.3B in deposits, expected to close in Q2 2026, which would give OceanFirst a scaled presence in the NYC metro market, particularly in Queens and the Asian-American banking community.