Side-by-side · Q2 2026 data
Amboy Bank vs OceanFirst Bank, National Association
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | Amboy Bank | OceanFirst Bank, National Association |
|---|---|---|
| TellerScore | 80 (stronger) | 63 |
| Capital cushion | 72 | 76 (stronger) |
| Loan quality | 90 (stronger) | 78 |
| Earnings | 100 (stronger) | 34 |
| Funding & liquidity | 45 (stronger) | 30 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 90th | 39th |
| Total assets | $3.1B | $23.2B |
| Deposits / shares | $2.7B | $18.0B |
| Capital ratio | 12.19% | 12.62% (stronger) |
| Problem loans | 0.30% (stronger) | 0.66% |
| Net charge-offs | -0.12% (stronger) | 0.03% |
| Return on assets | 2.60% (stronger) | 0.35% |
| Loans ÷ deposits | 72.8% (stronger) | 89.6% |
| Uninsured deposits | 53.2% | 51.8% (stronger) |
| Offices | 23 | 73 |
| CFPB complaints (3 yrs) | — | 35 |
| Complaints per $1B deposits | — | 1.9 |
| Mortgage denial rate (HMDA) | 16.6% | 9.9% |
Amboy Bank has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Amboy Bank leads on 5 and OceanFirst Bank, National Association on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Matawan, NJ
- New Brunswick, NJ
- Freehold, NJ
- Port Monmouth, NJ
- Red Bank, NJ