OceanFirst Bank

Overview / Commentary
975 Hooper Avenue
Toms River, NJ 08753

OceanFirst Bank is headquartered in Toms River and is the 4th largest bank in the state of New Jersey. It is also the 160th largest bank in the nation. It was established in 1902 and as of December of 2019, it had grown to 886 employees at 57 locations. OceanFirst Bank has an A+ health rating.

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Reviews (4)

Poor Local Management

Posted by: |

Went to the Maple Shade bank to make a deposit. Of course you can't go inside and that's frustrating enough. There are two drive-thru lanes and both were marked open. There were a few cars and one lane seemed to have someone working on the machine so I chose the other. When I got to the machine there was a message that it was out of order. i drove away and came back a half hour later. Both lanes were "open" but neither worked. I have had issues with the incompetence of this branch before and they have increased their fees. I will definitely change banks.

Not Ocean First But Fee First

Posted by: |

They are a rip off. They will fee you to death. BEWARE

Beware! You Cannot Access Your Own Money!

I have been using this bank for many years. I have numerous accounts there including my business account. Most recently, I have been receiving many automated messages from the bank stating they put a hold on my debit card due to unusual activity. Once you go thru the prompts to confirm the transactions were valid, the hold is released. However, the bank never releases the hold! I had over 10,000 in my account. I tried to order xmas gifts and the card repeatedly was declined due to "unusual activity". I tried to use my business card while away on businesz, again, same thing. I contacted the bank repeatedly only to be told they apologize and will correct it. Well now I just had several online transactions declined. Still the same issue. It isn't fun when you cannit access your own money. Also, every week I write a check to cash from one ocean first acct to deposit to another. No matter which branch I go to, they put a hold on the check when their are more than sufficient funds to cover it. The tellers don't bother looking to see that it is a check from that branch and it is not supposed to be held. So again, EVERY week, I have to call them up and I get the same apology. This has also caused them to assess insufficient funds fees to my account which warranted calls two weeks in a row. Again, they are sorry for my inconvenience. How about they train the tellers to do their job properly. And I had to stay on top of them to reverse the fees. They promised to do it, but took two days to. They rip you off at every turn. As someone else stated, watch your account closely. They try and impose charges that are incorrect and I have to take time out to call them constantly. So now, here it is xmas week and I am again waiting to call them over a hold placed on my account with every thing I ordered online not processed! They are horrible. Do yourself a favor and find another bank! I will be closing all
Of my accounts right after xmas!

HORRIBLE BANK, They Rip You Off Any Way They Can!!!

Posted by: |

This bank is not organized whatsoever, I have had so many problems with them taking out payments first then depositing my money and taking hundreds from me in fees. If you use this bank you need to watch your account very closely!!!


Health Grade Components

FDIC Certificate #28359
Year Established1902
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD7.86%
Annual Interest Income$309.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$8.25B$7.52B
LoansQ4 2019vs Q4 2018$6.21B$5.58B
DepositsQ4 2019vs Q4 2018$6.35B$5.84B
Equity CapitalQ4 2019vs Q4 2018$1.20B$1.10B
Loan Loss AllowanceQ4 2019vs Q4 2018$16.9MM$16.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$25.1MM$26.3MM
Real Estate OwnedQ4 2019vs Q4 2018$264.00K$1.4MM

Rates for OceanFirst Bank are currently being reviewed.



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