OceanFirst Financial Corp. functions as the parent entity for OceanFirst Bank N.A., delivering a comprehensive range of community banking solutions. It caters to a diverse clientele, including individual consumers, governmental bodies, and businesses, offering various deposit options such as money market, savings, interest-bearing and non-interest-bearing checking accounts, and time deposits. The institution extends financing for a variety of commercial needs, including commercial real estate, multi-family properties, land acquisition, construction projects, and general commercial and industrial operations. Furthermore, it provides home financing through both fixed-rate and adjustable-rate mortgages for residential properties accommodating one to four families. Its consumer lending portfolio encompasses home equity loans and lines of credit, student loans, overdraft protection lines, loans secured by savings accounts, and other personal loan products. Beyond banking services, the corporation also strategically invests in financial instruments such as mortgage-backed securities, U.S. government and agency-issued bonds, corporate debt, and other investment vehicles. Additional services offered include bankcard services, wealth management, trust and asset management, alongside the sale of alternative investment products and life insurance policies. As of December 31, 2021, OceanFirst maintained a significant operational footprint. This included a main branch in Toms River, administrative centers in Red Bank and Mount Laurel, and a network of 46 additional branch locations complemented by four deposit production facilities spread across central and southern New Jersey. Its reach for commercial lending extended further, with dedicated offices in New Jersey, New York City, the greater Philadelphia region, Baltimore, and Boston. Established in 1902, the company maintains its principal executive offices in Red Bank, New Jersey.