Welcome to our dedicated page for Oceanfirst Finl SEC filings (Ticker: OCFC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
OceanFirst Financial Corp (NASDAQ: OCFC) files a range of documents with the U.S. Securities and Exchange Commission that provide insight into its operations as a savings institution and regional bank holding company. This page aggregates those SEC filings and pairs them with AI-powered tools to help interpret the technical language that often appears in banking disclosures.
Investors researching OCFC can use this resource to access current reports on Form 8-K, where OceanFirst discloses material events such as quarterly earnings results, investor presentations, debt offerings, and merger-related announcements. For example, the company has used Form 8-K to describe the pricing and terms of its Fixed-to-Floating Rate Subordinated Notes due 2035, the intended use of proceeds, and the structure of its definitive merger agreement with Flushing Financial Corporation and related investment agreement with affiliates of funds managed by Warburg Pincus LLC.
In addition to 8-Ks, users can locate OceanFirst’s annual reports on Form 10-K and quarterly reports on Form 10-Q through the SEC system. These filings typically contain detailed discussions of loan and deposit portfolios, interest income, credit loss provisions, capital ratios, and risk factors relevant to a regional banking organization. Proxy materials and other filings can also provide information on governance and shareholder matters.
Stock Titan’s platform enhances these filings with AI-generated summaries that highlight key points, explain complex sections in simpler terms, and help readers quickly identify items such as new debt issuances, dividend declarations, or merger conditions. Users interested in insider activity can also review Form 4 and related ownership filings available through EDGAR to see reported transactions by directors and officers.
By combining real-time access to OceanFirst’s SEC reports with AI explanations, this page helps investors, analysts, and researchers understand how OCFC describes its financial condition, strategic transactions, and regulatory disclosures over time.
OceanFirst Financial Corp. is asking stockholders to elect 13 directors, approve 2025 executive pay on an advisory basis, adopt a new 2026 Stock Incentive Plan, and ratify Deloitte & Touche LLP as auditor. The proxy highlights a pending merger with Flushing Financial Corporation and a related $225 million equity investment from Warburg Pincus, intended to expand the bank’s New York and Long Island presence. It also outlines extensive governance practices, ESG initiatives, and a pay-for-performance program using cash and equity incentives tied to earnings, expense control, deposit growth, and multi‑year return metrics. Executive pay changes include modest salary increases for most NEOs and a larger raise for the CFO as responsibilities expanded.
OceanFirst Financial Corp. and Flushing Financial Corporation received key regulatory approvals for their previously announced merger: the Board of Governors of the Federal Reserve System approved the transaction on April 24, 2026, the New York State Department of Financial Services on March 23, 2026, and the Office of the Comptroller of the Currency on April 6, 2026. The parties state that no further regulatory approvals are required and anticipate closing the transaction no later than June 1, 2026, subject to satisfaction or waiver of remaining closing conditions under the Agreement and Plan of Merger dated December 29, 2025. OceanFirst also announced its 2026 virtual Annual Meeting of Stockholders to be held on May 27, 2026, with a record date of April 2, 2026.
OceanFirst Financial Corp. announced that all required regulatory and shareholder approvals have been received to proceed with its merger with Flushing Financial Corporation. The Federal Reserve approved the deal on April 24, 2026, following approvals from New York’s banking regulator on March 23, 2026 and the OCC on April 6, 2026. Both companies’ shareholders approved the transaction on April 2, 2026, and the merger is expected to close no later than June 1, 2026, subject to remaining customary conditions. OceanFirst also set its 2026 virtual annual stockholder meeting for May 27, 2026 at 8:00 a.m. Eastern Time, with a record date of April 2, 2026 for voting eligibility.
OceanFirst Financial Corp. furnished results of operations for the quarter ended March 31, 2026 via a press release dated April 23, 2026 and provided a written investor presentation. The press release is attached as Exhibit 99.1 and the presentation as Exhibit 99.2.
OceanFirst Financial Corp. reported solid first quarter 2026 results with higher profitability, stable credit quality, and progress on its pending merger. Net income available to common stockholders was $20.5 million, or $0.36 per diluted share, unchanged from a year ago but up from $13.1 million in the prior quarter.
Core earnings were stronger at $24.3 million, or $0.43 per diluted share, and core pre-tax, pre-provision earnings reached $34.4 million, reflecting expense discipline and non-core merger and restructuring costs. Net interest income rose to $96.4 million and net interest margin improved to 2.93%, helped by lower funding costs and modest loan growth.
Total loans increased to $11.12 billion, driven by commercial and industrial growth, while deposits rose to $11.16 billion and the loan-to-deposit ratio eased to 99.7%. Non-performing loans increased to $34.6 million but remained low relative to total loans, and net charge-offs were $0.7 million. Capital levels stayed robust, with an estimated common equity tier 1 ratio of 10.7% and tangible common equity of $1.14 billion. The company declared a $0.20 per-share quarterly dividend and reiterated expectations to close its approved merger with Flushing Financial Corporation in the second quarter of 2026, subject to remaining Federal Reserve approval and customary conditions.
OceanFirst Financial Corp. announced that its Board of Directors has declared a regular quarterly cash dividend of $0.20 per share on its common stock. The dividend will be paid on May 8, 2026 to stockholders of record as of April 27, 2026.
The company’s subsidiary, OceanFirst Bank N.A., founded in 1902, operates as a regional bank providing commercial and residential financing, treasury management, trust and asset management, and deposit services across New Jersey and major metropolitan areas from Massachusetts through Virginia.
OceanFirst Financial Corp. reported stockholder votes at a special meeting held in connection with its merger agreement with Flushing Financial Corporation. At the record date, there were 57,402,016 shares outstanding as of February 20, 2026, and 44,723,849 shares were represented, constituting a quorum.
Stockholders approved the issuance-related proposal to effect the Merger Agreement and the related Warburg investment by a vote of 42,020,260 for, 2,526,694 against, and 176,895 abstentions. A proposed charter amendment to exempt Warburg from a charter provision was not approved, with votes of 18,408,853 for, 26,148,179 against, and 166,817 abstentions. A joint press release on the results was attached as an exhibit.
OceanFirst Financial Corp. stockholders approved key share issuances for its pending merger with Flushing Financial Corporation and a related Warburg Pincus investment. The issuance proposal received 42,020,260 votes for, 2,526,694 against and 176,895 abstentions out of 44,723,849 shares represented.
Stockholders did not approve an amendment to OceanFirst’s Certificate of Incorporation that would have exempted Warburg and its affiliates from a charter provision, with 18,408,853 votes for and 26,148,179 against. Separately, New York’s banking regulator and the Office of the Comptroller of the Currency have approved the transaction, while Federal Reserve approval and other customary closing conditions are still required.
OceanFirst Financial Corp: The Vanguard Group filed Amendment No. 2 to a Schedule 13G/A reporting 0 shares beneficially owned and 0% of the common stock. The filing explains an internal realignment on January 12, 2026 that caused certain Vanguard subsidiaries and business divisions to report holdings separately. The amendment is signed by Ashley Grim, Head of Global Fund Administration, dated 03/27/2026.