Side-by-side · Q2 2026 data
Provident Bank vs OceanFirst Bank, National Association
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | Provident Bank | OceanFirst Bank, National Association |
|---|---|---|
| TellerScore | 63 | 63 |
| Capital cushion | 55 | 76 (stronger) |
| Loan quality | 82 (stronger) | 78 |
| Earnings | 74 (stronger) | 34 |
| Funding & liquidity | 15 | 30 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 39th | 39th |
| Total assets | $25.7B | $23.2B |
| Deposits / shares | $19.6B | $18.0B |
| Capital ratio | 10.53% | 12.62% (stronger) |
| Problem loans | 0.55% (stronger) | 0.66% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 1.35% (stronger) | 0.35% |
| Loans ÷ deposits | 101.3% | 89.6% (stronger) |
| Uninsured deposits | 54.1% | 51.8% (stronger) |
| Offices | 136 | 73 |
| CFPB complaints (3 yrs) | 47 | 35 |
| Complaints per $1B deposits | 2.4 | 1.9 (stronger) |
| Mortgage denial rate (HMDA) | 31.2% | 9.9% |
Both have the same TellerScore. On the 7 directional measures above (where higher or lower is clearly better), Provident Bank leads on 2 and OceanFirst Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.