Oceanfirst Financial reports $16.46 million net income for Q3 2026

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For the quarterly period ended June September 30, 2026

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As of August 3, November 2, 2026, there were 96,645,219 96,719,970 shares of the Registrant's Common Stock, par value $0.01 per share, outstanding.

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Consolidated Financial Statements (unaudited) 5 changes

Consolidated Statements of Financial Condition as of June 3 0 , September 30, 2026 (unaudited) and December 31, 2025

Consolidated Statements of Income (unaudited) for the three and si x nine months ended June September 30 , 2026 and 2025

Consolidated Statements of Comprehensive Income (unaudited) for the three and six nine months ended June 3 0 September 30 , 2026 and 2025

Consolidated Statements of Changes in Stockholders' Equity (unaudited) for the three and six nine months ended June 3 0 , September 30, 2026 and 2025

Consolidated Statements of Cash Flows (unaudited) for the six nine months ended June 3 0 September 30 , 2026 and 2025

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Exhibits 279 changes

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Other Comprehensive Income OCI

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Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (dollars in thousands, except per share amounts) June September 30, 2026 March 31, 2026 June 30, 2026 September 30, 2025

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Deposits 17,760,073 11,155,916 10,232,442

Total assets $ 23,270,010 23,370,456 $ 14,556,336 23,270,010 $ 13,327,847 14,324,664

Loans receivable, net of allowance for loan credit losses 16,297,353 16,086,532 11,059,275 10,119,781 10,489,852

Deposits 18,079,389 17,760,073 10,435,994

Total stockholders' equity 2,395,971 2,411,080 1,669,368 1,643,680 1,653,427

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Net interest income 120,730 96,447 87,636

Other income 10,598 6,748 11,733

Operating expenses 129,859 73,403 71,474

Net (loss) income (3,029) 20,506 19,085

Net (loss) income attributable to OceanFirst Financial Corp. (3,029) 20,506 19,046

Net (loss) income available to common stockholders (3,029) 20,506 16,200 (0.04) 0.36 0.28

Net interest income 172,116 120,730 90,657

Provision for credit losses 4,268 4,002 2,738 3,039 4,092

Other income 13,019 10,598 12,304

Operating expenses 151,374 129,859 76,327

Net income (loss) 16,462 (3,029) 17,386

Net income (loss) attributable to OceanFirst Financial Corp. 16,462 (3,029) 17,330

Net income (loss) available to common stockholders 16,462 (3,029) 17,330

Diluted earnings (loss) per share (2)

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Stockholders' equity to total assets 10.25 10.36 11.47 12.33 11.54

Return (loss) on average assets (3) (4) (5)

Return (loss) on average stockholders' equity (3) (4) (5)

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(5) Performance ratios for the three months ended June September 30, 2026 included a net expense related to a net loss on equity investments, restructuring release, and merger related expenses of $43.0 $37.0 million, or $33.6 $30.5 million, net of tax benefit. Performance ratios for the three months ended March 31, June 30, 2026 included a net expense related to a net loss on equity investments, restructuring charges, release, and merger related expenses of $4.6 $43.0 million, or $3.8 $33.6 million, net of tax benefit. Performance ratios for the three months ended June September 30, 2025 included a loss on redemption of preferred stock of $1.8 million and net expense related to restructuring charges, a net gain loss on equity investments and a FDIC special assessment release of $488,000, $3.9 million, or $373,000, $3.0 million, net of tax expense. benefit.

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(10) Non-performing assets consist of non-performing loans and real estate acquired through foreclosure. and At June 30, 2026, non-performing assets also included a non-performing investment acquired from Flushing. Non-performing loans and assets generally consist of all loans and investments 90 days or more past due and other loans in the process of foreclosure. It is the Company's policy to cease accruing interest on all such loans and investments and to reverse previously accrued interest.

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• Organic Growth: The Company generated continued organic growth across its legacy portfolio, with commercial loans increasing $154 million, or 2%, non-interest bearing deposits increasing $101 million, or 6%, and $150 million of deposit growth from Premier Banking teams, reflecting the Company's focus on core relationships. These results underscore the continued strength of the core growth initiatives, which the Flushing franchise will further bolster.

• Net Interest Margin Expansion: Net interest margin increased 12 basis points to 3.05% from 2.93%, and net interest income increased by $24.3 million to $120.7 million.

• Flushing Acquisition: On June 1, 2026, the Company completed its acquisition of Flushing Financial Corporation, the holding company of Flushing Bank. Flushing added $8.69 billion to total assets, $6.19 billion to loans and loans held-for-sale, and $7.44 billion to deposits. Flushing added 30 retail branches across New York City and Long Island.

• Balance Sheet Repositioning: The Company sold $1.31 billion of multifamily loans from the Flushing acquisition at a price of 92.25% and invested the $1.20 billion of net proceeds into highly-liquid, investment grade securities. The repositioning reduces commercial real estate concentration by approximately 50 percentage points to 381% 1 , while increasing liquidity as indicated by on-hand liquidity 2 increasing to 11.5% of assets and the loan-to-deposit ratio falling to 91.60%. Additionally, the allowance for credit losses increased to 1.29% of total loans receivable.

• Operating Expenses: The Company anticipates full integration of Flushing's operations and systems in the third quarter of 2026. The resulting operating synergies are expected to improve efficiency and reduce operating expenses in future periods.

Net loss for the three months ended June 30, 2026 was $3.0 million, or $0.04 per diluted share, while net income available to common stockholders for the six months ended June 30, 2026 was $17.5 million, or $0.27 per diluted share, as compared to net income available to common stockholders of $16.2 million and $36.7 million, or $0.28 and $0.63 per diluted share, for the corresponding prior year periods, respectively. Dividends paid to preferred stockholders were $1.0 million and $2.0 million for the three and six months ended June 30, 2025. No such dividends were paid during the three and six months ended June 30, 2026 as the preferred stock was redeemed in the second quarter of 2025.

1 Reflects the bank-level regulatory CRE concentration ratio, calculated as regulatory commercial real estate divided by Tier 1 capital plus the ACL.

2 On-hand liquidity equals cash, unpledged securities and funding capacity at the FHLB and Federal Reserve Bank Discount Window.

Key developments relating to the Company's financial results and corporate activities for the three months ended June September 30, 2026, as compared to the linked quarter, were as follows:

• Loan Growth: Total loans increased $215.7 million, representing a 5% annualized growth rate, driven by $325.0 million of commercial loan growth. Commercial loan originations increased 15% to $734.8 million, from $641.5 million in the linked quarter.

• Deposit Growth: Total deposits increased $319.3 million to $18.1 billion from $17.8 billion.

• Completion of Core Conversion: The Company successfully completed its core system conversion and integration activities in September, positioning the Company to realize anticipated cost savings beginning in the fourth quarter of 2026.

• Capital Outlook: With the completion of the core conversion and substantially all major integration activities, the Company expects to resume excess capital accretion in the fourth quarter of 2026.

On June 1, 2026, the Company completed its acquisition of Flushing and its results of operations from June 1, 2026 through June September 30, 2026 are included in the consolidated results for the three and six nine months ended June September 30, 2026 , but are not included in the results of operations for the corresponding prior year periods.

Net income available to common stockholders for the three and nine months ended September 30, 2026 was $16.5 million and $33.9 million, or $0.17 and $0.45 per diluted share, respectively, as compared to $17.3 million and $54.0 million, or $0.30 and $0.94 per diluted share, for the corresponding prior year periods. Dividends paid to preferred stockholders were $0 and $2.0 million for the three and nine months ended September 30, 2025. No such dividends were paid during the three and nine months ended September 30, 2026 as, during the quarter ended June 30, 2025, the Company redeemed all of its preferred stock for an aggregate payment of $57.4 million, at a redemption price of $25.00 per share, which resulted in a net loss on redemption of $1.8 million for the prior year periods. nine months ended September 30, 2025.

On July 30, October 27, 2026, the Company's Board declared a quarterly cash dividend on common stock of $0.20 per share. The dividend, related to the quarter ended June September 30, 2026, will be paid on August 21, November 20, 2026 to common stockholders of record on August 10, November 9, 2026.

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Concurrent with the completion of the Merger, the Company raised $225 million of equity from affiliates of funds managed by Warburg Pincus, in which the Company issued and sold to Warburg Pincus 9.6 million shares of the Company's common stock, at $19.76 per share, 1,812 shares of a new class of NVCE Stock representing the economic equivalent of approximately 1.8 million shares of the Company's common stock, at $19,760 per share of NVCE Stock and issued to Warburg Pincus a warrant to purchase approximately 11.4 million shares of NVCE Stock with an exercise price of $19,760 per share of NVCE Stock.

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Net interest income represents the difference between income on interest-earning assets and expense on interest-bearing liabilities. Net interest income depends upon the relative amounts of interest-earning assets and interest-bearing liabilities and the interest rate earned or paid on them. For the three and six nine months ended June September 30, 2026, interest income included net loan fees of $1.2 $1.7 million and $2.3 $4.0 million, respectively, as compared to $1.2 $1.4 million and $2.6 $4.1 million for the same prior year period. periods.

The following tables set forth certain information relating to the Company for the three and six nine months ended June September 30, 2026 and 2025. The yields and costs, which are annualized, are derived by dividing the income or expense by the average balance of the related assets or liabilities, respectively, for the periods shown except where noted otherwise. Average balances are derived from average daily balances. The yields and costs include certain fees and costs which are considered adjustments to yields.

For the Three Months Ended June September 30,

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Interest-earning deposits and short-term investments $ 158,816 $ 1,375 3.47 % $ 111,631 $ 1,090 3.92 %

Interest-earning deposits and short-term investments $ 174,345 $ 1,459 3.32 % $ 94,470 $ 1,115 4.68 %

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Commercial 9,701,371 142,903 5.91 6,786,611 100,004 5.91

Residential real estate 3,145,110 33,135 4.21 3,091,227 31,861 4.12

Loans receivable, net 12,929,839 178,982 5.55 10,036,785 135,478 5.41

Total interest-earning assets 15,877,684 209,604 5.29 12,065,530 154,825 5.14

Non-interest-earning assets 1,399,341 1,182,543

Total assets $ 17,277,025 $ 13,248,073

Commercial 13,006,563 200,603 6.12 6,975,780 105,587 6.01

Residential real estate 3,172,827 33,521 4.23 3,151,177 32,685 4.15

Allowance for loan credit losses, net of deferred loan costs and fees (104,773) (191,171) — — (66,364) (66,812) — —

Loans receivable, net 16,173,361 237,051 5.82 10,278,610 141,847 5.49

Total interest-earning assets 21,492,883 301,699 5.57 12,363,997 162,194 5.21

Non-interest-earning assets 1,814,874 1,187,197

Total assets $ 23,307,757 $ 13,551,194

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Interest-bearing checking $ 5,107,262 28,186 2.21 % $ 3,990,602 20,605 2.07 %

Money market 2,120,250 14,128 2.67 1,342,194 9,718 2.90

Savings 1,003,045 1,284 0.51 1,029,490 1,680 0.65

Time deposits 2,990,624 24,710 3.31 2,175,564 20,270 3.74

Total 11,221,181 68,308 2.44 8,537,850 52,273 2.46

Securities sold under agreements to repurchase 60,009 399 2.67 60,477 419 2.78

Other borrowings 397,793 6,998 7.06 260,655 4,564 7.02

Total borrowings 1,770,304 20,566 4.66 1,201,878 14,916 4.98

Total interest-bearing liabilities 12,991,485 88,874 2.74 9,739,728 67,189 2.77

Non-interest-bearing deposits 2,107,561 1,639,045

Non-interest-bearing liabilities 247,077 186,653

Total liabilities 15,346,123 11,565,426

Stockholders' equity 1,930,902 1,682,647

Total liabilities and stockholders' equity $ 17,277,025 $ 13,248,073

Net interest income $ 120,730 $ 87,636

Interest-bearing checking $ 6,506,421 40,366 2.46 % $ 4,000,804 21,253 2.11 %

Money market 3,506,127 25,777 2.92 1,426,586 10,507 2.92

Savings 1,055,990 1,386 0.52 1,009,742 1,674 0.66

Time deposits 3,798,395 29,468 3.08 2,105,734 19,812 3.73

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and 199 more changes in the filing

Market risk 4 changes

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The methodologies and assumptions used in this analysis are periodically evaluated and refined in response to changes in the market environment, changes in the Company's balance sheet composition, enhancements in the Company's modeling and other factors. Such changes may affect historical comparisons of these results. For loans, investments, borrowings and time deposits, the fair value used in the EVE closely aligns with the Company's fair value measurements defined within Note 8, Fair Value Measurements to the consolidated financial statements. However, for non-maturity deposits, the fair value differs as EVE considers the likelihood of deposit withdrawals and the current weighted average deposit rate relative to market rates which are key drivers to non-maturity deposit value. The Company's weighted average age of non-maturity deposit accounts was approximately 12.1 12.4 years, and the weighted average cost was 1.86%. 1.87%.

The Company performs a variety of EVE and twelve-month net interest income sensitivity scenarios. At both June September 30, 2026 and December 31, 2025, the Company was in compliance with Board guidelines for each scenario. The following table sets forth sensitivity for a specific range of interest rate scenarios as of June September 30, 2026 and December 31, 2025.

June September 30, 2026 December 31, 2025

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The net interest income sensitivity results indicate that at June September 30, 2026, the Company was modestly liability sensitive, and the measures of EVE and net interest income at risk increased in rising rate scenarios from December 31, 2025 to June September 30, 2026. The change in sensitivity between June September 30, 2026 and December 31, 2025 was impacted by the addition of the Flushing loans and deposits and redeployment of loans loan sale proceeds into securities, offset by interest rate collars intended to limit exposure to increases in short-term interest rates while foregoing some of the upside if short-term interest rates decrease significantly.

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Controls and procedures 663 changes

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There were no changes in the Company's internal control over financial reporting during the quarter ended June September 30, 2026 that have materially affected, or are reasonably likely to materially affect, the Company's internal control over financial reporting.

SEC guidance permits that an assessment of internal controls over financial reporting of a recently acquired business may be excluded from management's evaluation of disclosure controls and procedures for up to a year from the date of acquisition, and management has excluded Flushing from its reporting on internal control over financial reporting for the quarter ended June September 30, 2026. Management will continue to evaluate the effectiveness of internal controls over financial reporting as it completes in connection with the integration of Flushing operations with the Company and will make changes to the internal control framework, as necessary.

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Equity investments 75,965 91,882

June September 30, December 31,

Cash and due from banks $ 274,057 269,825 $ 135,130

Debt securities available-for-sale, at estimated fair value 2,067,668 1,770,923 1,231,827

Debt securities held-to-maturity, net of allowance for securities credit losses of $ 663 601 at June September 30, 2026 and $ 811 at December 31, 2025 (estimated fair value of $ 2,803,466 2,822,226 at June September 30, 2026 and $ 825,790 at December 31, 2025)

Equity investments 65,845 91,882

Restricted equity investments, at cost 180,711 184,051 129,329

Loans receivable, net of allowance for loan credit losses of $ 209,716 212,288 at June September 30, 2026 and $ 83,726 at December 31, 2025

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Goodwill 529,836 517,481

Intangibles 90,613 9,046

Other assets 366,963 149,300

Interest and dividends receivable 91,497 95,449 49,010

Other real estate owned 13,453 13,575 10,266

Premises and equipment, net 126,609 126,414 112,743

Bank owned life insurance 503,910 507,363 270,301

Goodwill 530,846 517,481

Intangibles 84,491 9,046

Other assets 427,819 149,300

Total assets $ 23,270,010 23,370,456 $ 14,564,317

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Deposits $ 17,760,073 $ 10,964,405

Other borrowings 493,216 255,233

Other liabilities 699,063 209,271

Deposits $ 18,079,389 $ 10,964,405

Securities sold under agreements to repurchase with customers 61,329 32,852 54,434

Other borrowings 496,565 255,233

Advances by borrowers for taxes and insurance 112,876 89,126 21,245

Other liabilities 501,586 209,271

Total liabilities 20,858,930 20,974,485 12,901,767

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Retained earnings 657,121 662,616

Preferred stock, $ 0.01 par value, $ 1,000 liquidation preference, 5,000,000 shares authorized, no shares issued at June September 30, 2026 and December 31, 2025, respectively

Common stock, $ 0.01 par value, 150,000,000 shares authorized, 102,258,357 102,389,224 and 62,942,427 shares issued at June September 30, 2026 and December 31, 2025, respectively; and 96,604,195 96,695,991 and 57,390,569 shares outstanding at June September 30, 2026 and December 31, 2025, respectively

Non-voting common-equivalent stock, $ 0.00001 par value, 13,500,000 shares authorized, 1,812,000 shares issued at June September 30, 2026 and no shares issued at December 31, 2025

Additional paid-in capital 1,843,530 1,846,484 1,118,331

Retained earnings 653,902 662,616

Accumulated other comprehensive loss ( 3,376 17,766 ) ( 2,159 )

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Treasury stock, 5,654,162 5,693,233 and 5,551,858 shares at June September 30, 2026 and December 31, 2025, respectively ( 116,979 117,742 ) ( 115,562 )

Total stockholders' equity 2,411,080 2,395,971 1,662,550

Total liabilities and stockholders' equity $ 23,270,010 23,370,456 $ 14,564,317

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Loans $ 178,982 $ 135,478 $ 324,306 $ 268,497

Debt securities 26,633 15,950 46,443 33,220

Equity investments and other 3,989 3,397 7,146 6,811

Total interest income 209,604 154,825 377,895 308,528

Deposits 68,308 52,273 122,003 103,319

Borrowed funds 20,566 14,916 38,715 30,921

Total interest expense 88,874 67,189 160,718 134,240

Net interest income 120,730 87,636 217,177 174,288

Provision for credit losses 4,002 3,039 6,740 8,379

For the Three Months Ended June September 30, For the Six Nine Months Ended June September 30, (Unaudited) (Unaudited)

Loans $ 237,051 $ 141,847 $ 561,357 $ 410,344

Debt securities 59,974 17,156 106,417 50,376

Equity investments and other 4,674 3,191 11,820 10,002

Total interest income 301,699 162,194 679,594 470,722

Deposits 96,997 53,246 219,000 156,565

Borrowed funds 32,586 18,291 71,301 49,212

Total interest expense 129,583 71,537 290,301 205,777

Net interest income 172,116 90,657 389,293 264,945

Provision for credit losses 4,268 4,092 11,008 12,471

Net interest income after provision for credit losses 116,728 84,597 210,437 165,909 167,848 86,565 378,285 252,474

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Bankcard services revenue 1,772 1,619 3,401 3,082

Trust and asset management revenue 384 374 817 780

Fees and service charges 3,389 4,969 6,202 9,681

Net gain (loss) from other real estate operations 1,203 ( 260 ) 1,039 ( 276 )

Income from bank owned life insurance 2,471 1,786 4,345 3,638

Commercial loan swap income 1,654 207 1,999 827

Other 34 1,373 234 2,526

Total other income 10,598 11,733 17,346 22,986

Compensation and employee benefits 50,202 40,242 89,686 76,982

Occupancy 7,333 5,454 13,165 10,951

Equipment 1,111 869 2,032 1,790

Marketing 1,894 1,541 2,857 2,649

Data processing 7,655 6,808 14,707 13,455

Check card processing 1,097 1,156 2,195 2,326

Professional fees 3,405 4,336 6,627 6,761

Amortization of intangibles 2,586 906 3,434 1,846

Merger related expenses 42,765 — 46,915 —

Restructuring (release) charges ( 71 ) — 57 —

Other operating expenses 7,752 7,264 14,242 13,127

Total operating expenses 129,859 71,474 203,262 135,768

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Other information 8 changes

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Operating cash flows from operating leases $ 2,094 $ 1,316 $ 3,437 $ 2,605

Operating cash flows from operating leases $ 3,833 $ 1,322 $ 7,271 $ 3,927

Operating cash flows from finance leases 14 19 30 38 13 17 43 55

Financing cash flows from finance leases 73 69 145 137 74 70 220 207

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Less: Imputed interest ( 87 ) ( 11,248 )

Total lease liabilities $ 997 $ 71,067

Less: Imputed interest ( 74 ) ( 11,527 )

Total lease liabilities $ 923 $ 72,224

Unregistered sales of stock 8 changes

On June 25, 2021, the Company announced the Board authorized the repurchase of up to 5% of the Company's outstanding common stock, or 3.0 million shares. Further, On July 16, 2025, the Company announced the Board authorized a 2025 Stock Repurchase Program to repurchase up to an additional 3.0 million shares. The stock repurchase plans have no scheduled expiration date and the Board has the right to suspend or discontinue the plans at any time. The Company did not repurchase any shares of its common stock through the stock repurchase programs during the three month three-month period ended June September 30, 2026. At June September 30, 2026, there were 3,226,284 shares available for repurchase under the Company's stock repurchase program. programs.

For the three months ended June September 30, 2026, 198,827 39,071 shares were repurchased outside of the Company's stock repurchase program programs at an average share price of $18.28. $19.34. The Company repurchased these shares from employees with vested awards. These shares were repurchased pursuant to the terms of the applicable plan and not under the Company's share repurchase program. programs.

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April 1, 2026 through April 30, 2026 — $ —

May 1, 2026 through May 31, 2026 — —

June 1, 2026 through June 30, 2026 198,827 18.28

July, 2026 through July 31, 2026 8,724 $ 19.08

August 1, 2026 through August 31, 2026 23,474 19.42

September 1, 2026 through September 30, 2026 6,873 19.38