HIGHBuilt-inLoan_portfolio
69.2%
commercial real estate loans
“10-K Item 1A: '$7.63 billion, or 69.2%, of the Company's total loans consisted of commercial real estate'”
OCFC · Concentration risk · 10-K extracted
OceanFirst Financial (OCFC) concentration risks
Updated
The most significant concentration OceanFirst Financial discloses is commercial real estate loans at 69.2%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: OceanFirst Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
49.1%
investor owned commercial real estate loans
“10-K Item 1: '$5.42 billion, or 49.1% of total loans, were investor owned commercial real estate, multi-family, and construction loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06OceanFirst's loan book is concentrated in commercial real estate: CRE loans make up 69.2% of total loans, a high share, and within that, investor-owned commercial real estate, multi-family, and construction loans alone account for 49.1% of total loans, a moderate slice of the same broader exposure. Because the second figure is largely a subset of the first, the bank's credit performance is tied closely to a single asset class — commercial property values, rents, and refinancing conditions — rather than to a diversified mix of consumer, commercial and industrial, or other loan types. This is a structural feature of OceanFirst's business model rather than an idiosyncratic counterparty or supplier risk, and it means the loan portfolio would respond in a correlated way to a broad-based commercial real estate downturn, particularly among investor-owned and construction properties. There is no additional disclosed geographic, customer, or supplier concentration to offset or compound this exposure, so CRE concentration is effectively the single dominant risk factor shaping OceanFirst's credit outlook.
For the engine’s reasoning on OCFC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| OCFC● | OceanFirst Financial Corp. | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.