Side-by-side · Q2 2026 data
Mid Penn Bank vs OceanFirst Bank, National Association
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | Mid Penn Bank | OceanFirst Bank, National Association |
|---|---|---|
| TellerScore | 69 (stronger) | 63 |
| Capital cushion | 54 | 76 (stronger) |
| Loan quality | 83 (stronger) | 78 |
| Earnings | 70 (stronger) | 34 |
| Funding & liquidity | 61 (stronger) | 30 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 53rd | 39th |
| Total assets | $7.0B | $23.2B |
| Deposits / shares | $6.0B | $18.0B |
| Capital ratio | 10.43% | 12.62% (stronger) |
| Problem loans | 0.51% (stronger) | 0.66% |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.24% (stronger) | 0.35% |
| Loans ÷ deposits | 93.7% | 89.6% (stronger) |
| Uninsured deposits | 20.0% (stronger) | 51.8% |
| Offices | 64 | 73 |
| CFPB complaints (3 yrs) | — | 35 |
| Complaints per $1B deposits | — | 1.9 |
| Mortgage denial rate (HMDA) | 21.6% | 9.9% |
Mid Penn Bank has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Mid Penn Bank leads on 4 and OceanFirst Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.