OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank that provides a range of community banking services to retail, government, and business customers. The company’s deposit products include money market deposit accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits. Its loan portfolio comprises fixed-rate and adjustable-rate mortgage loans secured by one-to-four family residences, one-to-four family residential mortgage loans, commercial real estate loans, commercial and residential construction loans, multi-family mortgage loans, and land loans; consumer loans, such as home equity loans and lines of credit, overdraft line of credit, and loans on savings accounts; and commercial and industrial loans. The company also invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. In addition, it offers wealth management and bankcard services; and sells alternative investment products, including mutual funds, annuities, and life insurance products. The company operates through an administrative/branch office in Toms River; and 22 additional branch offices, including 18 located in Ocean County, 4 in Monmouth County, and 1 in Middlesex County of New Jersey. OceanFirst Financial Corp. was founded in 1902 and is based in Toms River, New Jersey.