Side-by-side · Q2 2026 data
Valley National Bank vs OceanFirst Bank, National Association
Bank
OceanFirst Bank, National Association
Toms River, New Jersey · $10 billion – $100 billion
Metric by metric
| Measure | Valley National Bank | OceanFirst Bank, National Association |
|---|---|---|
| TellerScore | 60 | 63 (stronger) |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 70 | 78 (stronger) |
| Earnings | 63 (stronger) | 34 |
| Funding & liquidity | 37 (stronger) | 30 |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 29th | 39th |
| Total assets | $66.2B | $23.2B |
| Deposits / shares | $54.3B | $18.0B |
| Capital ratio | 10.25% | 12.62% (stronger) |
| Problem loans | 0.91% | 0.66% (stronger) |
| Net charge-offs | 0.15% | 0.03% (stronger) |
| Return on assets | 1.08% (stronger) | 0.35% |
| Loans ÷ deposits | 95.5% | 89.6% (stronger) |
| Uninsured deposits | 39.8% (stronger) | 51.8% |
| Offices | 228 | 73 |
| CFPB complaints (3 yrs) | 263 | 35 |
| Complaints per $1B deposits | 4.8 | 1.9 (stronger) |
| Mortgage denial rate (HMDA) | 21.0% | 9.9% |
OceanFirst Bank, National Association has the higher TellerScore (63 vs 60). On the 8 directional measures above (where higher or lower is clearly better), Valley National Bank leads on 2 and OceanFirst Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.