Side-by-side · Q2 2026 data
OceanFirst Bank, National Association vs Unity Bank
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | OceanFirst Bank, National Association | Unity Bank |
|---|---|---|
| TellerScore | 63 | 69 (stronger) |
| Capital cushion | 76 | 79 (stronger) |
| Loan quality | 78 (stronger) | 59 |
| Earnings | 34 | 96 (stronger) |
| Funding & liquidity | 30 (stronger) | 23 |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 39th | 53rd |
| Total assets | $23.2B | $3.2B |
| Deposits / shares | $18.0B | $2.5B |
| Capital ratio | 12.62% | 12.88% (stronger) |
| Problem loans | 0.66% (stronger) | 1.23% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 0.35% | 1.91% (stronger) |
| Loans ÷ deposits | 89.6% (stronger) | 107.5% |
| Uninsured deposits | 51.8% | 42.1% (stronger) |
| Offices | 73 | 22 |
| CFPB complaints (3 yrs) | 35 | — |
| Complaints per $1B deposits | 1.9 | — |
| Mortgage denial rate (HMDA) | 9.9% | 9.9% |
Unity Bank has the higher TellerScore (69 vs 63). On the 7 directional measures above (where higher or lower is clearly better), OceanFirst Bank, National Association leads on 2 and Unity Bank on 5. 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.