Side-by-side · Q2 2026 data
OceanFirst Bank, National Association vs Sturdy Savings Bank
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | OceanFirst Bank, National Association | Sturdy Savings Bank |
|---|---|---|
| TellerScore | 63 | 68 (stronger) |
| Capital cushion | 76 (stronger) | 47 |
| Loan quality | 78 | 95 (stronger) |
| Earnings | 34 | 50 (stronger) |
| Funding & liquidity | 30 | 71 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 39th | 49th |
| Total assets | $23.2B | $1.1B |
| Deposits / shares | $18.0B | $1.0B |
| Capital ratio | 12.62% (stronger) | 9.68% |
| Problem loans | 0.66% | 0.15% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 0.35% | 0.75% (stronger) |
| Loans ÷ deposits | 89.6% | 63.0% (stronger) |
| Uninsured deposits | 51.8% | 39.0% (stronger) |
| Offices | 73 | 13 |
| CFPB complaints (3 yrs) | 35 | — |
| Complaints per $1B deposits | 1.9 | — |
| Mortgage denial rate (HMDA) | 9.9% | 4.7% |
Sturdy Savings Bank has the higher TellerScore (68 vs 63). On the 7 directional measures above (where higher or lower is clearly better), OceanFirst Bank, National Association leads on 1 and Sturdy Savings Bank on 6. 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
- Ocean City, NJ
- Cape May, NJ
- Cape May Court House, NJ