OceanFirst Financial Corp. - Asset Resilience Ratio

Latest as of March 2026: 8.11%

OceanFirst Financial Corp. (OCFC) has an Asset Resilience Ratio of 8.11% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check strategic asset allocation of OceanFirst Financial Corp. to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$1.18 Billion

Cash + Short-term Investments

Total Assets

$14.56 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2009–2025)

This chart shows how OceanFirst Financial Corp.'s Asset Resilience Ratio has changed over time. See OceanFirst Financial Corp. (OCFC) balance sheet quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down OceanFirst Financial Corp.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see OceanFirst Financial Corp. stock valuation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.18 Billion	8.11%
Total Liquid Assets	$1.18 Billion	8.11%

Asset Resilience Insights

Limited Liquidity: OceanFirst Financial Corp. maintains only 8.11% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

OceanFirst Financial Corp. Industry Peers by Asset Resilience Ratio

Compare OceanFirst Financial Corp.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for OceanFirst Financial Corp. (2009–2025)

The table below shows the annual Asset Resilience Ratio data for OceanFirst Financial Corp..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	8.46%	$1.23 Billion	$14.56 Billion	+2.29pp
2024-12-31	6.17%	$827.50 Million	$13.42 Billion	+0.60pp
2023-12-31	5.57%	$753.89 Million	$13.54 Billion	+2.08pp
2022-12-31	3.49%	$457.65 Million	$13.10 Billion	-1.35pp
2021-12-31	4.84%	$568.25 Million	$11.74 Billion	+3.24pp
2020-12-31	1.60%	$183.30 Million	$11.45 Billion	-0.23pp
2019-12-31	1.83%	$150.96 Million	$8.25 Billion	+0.49pp
2018-12-31	1.34%	$100.72 Million	$7.52 Billion	-0.17pp
2017-12-31	1.51%	$81.58 Million	$5.42 Billion	+1.10pp
2016-12-31	0.40%	$20.77 Million	$5.17 Billion	-0.75pp
2015-12-31	1.15%	$29.90 Million	$2.59 Billion	+0.31pp
2014-12-31	0.84%	$19.80 Million	$2.36 Billion	-1.11pp
2013-12-31	1.95%	$43.84 Million	$2.25 Billion	-22.18pp
2012-12-31	24.12%	$547.45 Million	$2.27 Billion	+16.95pp
2011-12-31	7.18%	$165.28 Million	$2.30 Billion	+3.10pp
2010-12-31	4.08%	$91.92 Million	$2.25 Billion	-6.44pp
2009-12-31	10.52%	$213.62 Million	$2.03 Billion	--

pp = percentage points

About OceanFirst Financial Corp.

NASDAQ:OCFC USA Banks - Regional

Market Cap

$1.04 Billion

Market Cap Rank

#8899 Global

#2469 in USA

Share Price

$18.08

Change (1 day)

-1.26%

52-Week Range

$16.32 - $20.40

All Time High

$24.13