---
title: "OceanFirst Financial Q4 Net Interest Income Rises 5% to USD 95 Million"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/274206427.md"
description: "OceanFirst Financial Corporation (NASDAQ: OCFC) reported a 5% increase in net interest income to USD 95 million for Q4 2025, with net income of USD 23.5 million and diluted EPS of USD 0.41. The core ROAA was 0.65% and ROTCE was 8.21%. The net interest margin stood at 2.86%, and the CET1 ratio was 10.7%. Total assets reached USD 14.6 billion, with an efficiency ratio of 68.2%. Total loans increased by 18% annually, with loan originations of USD 1 billion for the quarter."
datetime: "2026-01-29T21:33:15.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/274206427.md)
  - [en](https://longbridge.com/en/news/274206427.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/274206427.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/274206427.md) | [繁體中文](https://longbridge.com/zh-HK/news/274206427.md)


# OceanFirst Financial Q4 Net Interest Income Rises 5% to USD 95 Million

OceanFirst Financial Corporation (NASDAQ: OCFC) reported its financial results for the fourth quarter (Q4) of 2025. The company posted net income of USD 23.5 million for the period. Diluted earnings per share (EPS) was USD 0.41. Net interest income totaled USD 95 million, reflecting a 5% increase from the previous quarter. The core return on average assets (ROAA) stood at 0.65%, while the core return on tangible common equity (ROTCE) was 8.21%. The net interest margin was 2.86%. The company’s Common Equity Tier 1 (CET1) ratio was 10.7% as of the end of Q4 2025. Total assets reached USD 14.6 billion. The efficiency ratio for the quarter was 68.2%. Total loans increased by an annualized 18% during Q4 2025, with robust loan originations at USD 1 billion for the quarter. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. OceanFirst Financial Corporation published the original content used to generate this news brief on January 29, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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