OceanFirst Financial Corp. - Asset Resilience Ratio
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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2009–2025)
This chart shows how OceanFirst Financial Corp.'s Asset Resilience Ratio has changed over time. Check OceanFirst Financial Corp. (OCFC) strategic asset index to assess the company's strategic physical and investment asset allocation.
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 OCFC market cap overview.
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 |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
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 | -- |
About OceanFirst Financial Corp.
OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services to retail and commercial customers in the United States. The company accepts deposit products, such as money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits, including brokered deposits. It also of… Read more