AN NUA L
REPORT
VISION
INNOVATION
TALENT
21 At OceanFirst, we are focused on continuing
our track record of performance—and building
for the future – with a team whose vision, spirit
of innovation and talent will enable us to face
the challenges and capture the opportunities
that lie ahead.
10
8
6
4
2
0
2.0
1.5
1.0
0.5
0.0
10
8
6
4
2
0
120
100
80
60
40
20
0
Financial
Summary
2021
Deposits
$ in billions
Loans Receivable
$ in billions
Total Assets
$ in billions
$9.7
$9.4
$11.4
$11.7
$6.3
$5.8
$6.2
$5.6
$8.6
$7.7
$8.2
$7.5
Deposits
in millions $
Loans Receivable
in millions $
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
At or for the year ended December 31,
2021
2020
2019
2018
Selected Financial Condition Data
Total assets
Loans receivable, net of allowance for loan credit losses
$1.51
Diluted Earnings
Per Share
$1.75
$11,739,616
$1.78
8,583,352
9,732,816
1,516,553
$1.02
Net Income
$ in millions
$11,448,313
7,704,857
$88.6
9,427,616
$71.9
1,484,130
$63.3
$8,246,145
$110.0
6,207,680
6,328,777
1,153,119
$7,516,154
5,579,222
5,814,569
1,039,358
Diluted Earnings
Per Share
Net Income
in millions $
Deposits
Stockholders’ equity
Selected Operating Data
Net interest income
Other income(1)
Operating expenses(1)
Net Income(1)
Diluted earnings per share(1)
Selected Financial Ratios and Other Data
Tangible common equity per common share at end of period(2)
Stockholders’ equity per common share at end of period
Cash dividends per common share
Tangible stockholders' equity to tangible assets(2)
305,338
312,951
255,971
240,502
’18
’19
’20
51,931
226,860
’21
110,076
1.78
15.93
25.63
0.68
73,926
42,165
246,431
’19
’20
’18
’21
189,142
63,309
1.02
14.98
24.57
0.68
88,574
1.75
15.13
22.88
0.68
8.89 %
8.79 %
46% New Jersey
9.71 %
21.68
0.62
Successful
Commercial
Loan Growth
outside of
New Jersey
13.83
9.55 %
1.10
percentage
of total
34,827
186,337
71,932
1.51
14.26
0.98
11.16
7.31
3.71
2.53
67.68
0.31
Stockholders’ equity to total assests
12.92
12.96
30% New York
13.98
Return on average assets(1)
Return on average tangible stockholders' equity(1) (2)
Return on average stockholders’ equity(1) (2)
Net interest margin
Operating expenses to average assets(1)
Efficiency ratio(1)
5.9
$ Billion
Non-performing loans as a percent of total loans receivable
Total
0.91
10.73
7.02
2.93
1.94
63.50
0.22
21% Philadelphia
0.55
3% Boston/Baltimore
6.59
4.20
3.16
2.20
63.70
0.47
11.96
7.84
3.62
2.35
63.44
0.29
(1) Performance ratios for 2021 include merger related expenses, branch consolidation expenses, and a net gain on equity investments of $6.7 million or $5.1 million, net
of tax benefit. Performance ratios for 2020 include a net gain on equity investments, gain on sale of Paycheck Protection Program ("PPP") loans, Federal Home Loan
Bank ("FHLB") advance prepayment fees, merger related expenses, branch consolidation expenses, and Two River Bancorp ("Two River") and Country Bank Holding
Company, Inc. ("Country Bank") opening credit loss expense under the current expected credit losses ("CECL") model of $14.3 million or $11.0 million, net of tax benefit.
Performance ratios for 2019 include merger related expenses, branch consolidation expenses, non-recurring professional fees, compensation expense due to the
retirement of an executive officer, and the reduction in income tax expense from revaluation of state deferred tax assets as a result of a change in the New Jersey tax
code of $20.6 million, or $16.3 million, net of tax benefit. Performance ratios for 2018 include merger related expenses, branch consolidation expenses, and an income
tax benefit related to Tax Reform of $28.2 million, or $22.2 million, net of tax benefit.
(2) Tangible stockholders’ equity and tangible assets exclude intangible assets related to goodwill and core deposit intangible. Tangible common equity excludes
goodwill, core deposit intangible and preferred equity.
annual report 2021 1
Dear Fellow Stockholders
OceanFirst achieved strong performance in
2021, as we continued our efforts to position
the Company to withstand the substantial
challenges – and reap the significant oppor-
tunities – of a business environment that is in
constant flux. In the past year, faced with the
lingering effects of COVID-19, the economic
impact of supply chain disruptions, and the
return of inflationary conditions, we contin-
ued to offer exceptional financial solutions
for our customers, deliver profitable growth
for our stockholders, develop and maximize
the potential of our employees, and support
the well-being of our communities.
Among the highlights of 2021, we expanded
our commercial banking operations, both
in our traditional New Jersey region and in
our expansion markets, including New York
City and Philadelphia and brand new offices
in Boston and Baltimore. We continued our
investment in the talent to build and grow
our Company, and in the technology to
deliver advanced digital banking solutions.
Our branch network was optimized to align
with shifts in customers’ banking preferences,
improve digital product delivery, and
enable us to redeploy resources to strategic
initiatives.
And, in November 2021, we announced a
proposed acquisition designed to comple-
ment our organic growth opportunities by
extending OceanFirst’s service area along
the Boston-to-Washington corridor.
2 OceanFirst Financial Corp.
Christopher D. Maher
Chairman of the Board and
Chief Executive Officer
We are proud of our accomplishments
during the past year – and of the team
members who drove another year of
exceptional performance.
We are confident that our future success
will continue to be shaped by our vision,
spirit of innovation and talented team of
banking professionals. OceanFirst is truly
a talent-led organization; throughout this
annual report, we feature the photos of
some of the hundreds of associates who
contribute to our success every day.
Deposits
$ in billions
Loans Receivable
$ in billions
Total Assets
$ in billions
$9.7
$9.4
$11.4
$11.7
$6.3
$5.8
$6.2
$5.6
$8.6
$7.7
$8.2
$7.5
Deposits
in millions $
Loans Receivable
in millions $
10
8
6
4
2
0
2.0
1.5
1.0
0.5
0.0
10
8
6
4
2
0
120
100
80
60
40
20
0
Diluted Earnings
Per Share
Net Income
in millions $
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
Diluted Earnings
Per Share
Net Income
$ in millions
$1.75
$1.78
$1.51
$1.02
$110.0
$88.6
$71.9
$63.3
’18
’19
’20
’21
’18
’19
’20
’21
Successful
Commercial
Loan Growth
outside of
New Jersey
percentage
of total
OceanFirst is truly a talent-
led organization; throughout
this annual report, we feature
the photos of some of the
hundreds of associates who
contribute to our success
every day.
Well-Positioned for Economic
and Market Forces
At this writing, 2022 shows every sign of
developing into another year defined by
fast-moving economic and political forces.
While our economy seems poised to put
the worst impacts of COVID-19 behind us,
we face the prospects of persistent inflation,
the painful humanitarian and economic
consequences of the conflict in Ukraine
and continuing disruptions in global supply
chains. While the impact of these factors
cannot be anticipated, we can make some
informed judgments about the challenges
and opportunities ahead, and OceanFirst’s
readiness to respond.
As the Federal Reserve begins its efforts to
tame inflation, we are prepared to experi-
ence interest rate volatility. Monetary policy
has the potential to impact interest rates
across the yield curve. Transitioning from an
environment of low interest rates may play
out differently for short-term, medium-term,
and long-term market rates. We have taken
great care to position OceanFirst to flourish
in a variety of rate environments and have a
resilient balance sheet with a sizeable book
of assets that will re-price as rates rise.
Despite an uncertain global political and
economic outlook, the prospects for our
market remain positive, driven by the
accelerating demand for housing and
ongoing investments in sectors such as
logistics and health sciences, which are
mainstays of the Northeastern U.S. regional
economy. For example, an evolving housing
shortage is driving substantial construction
activity, involving properties of all types.
Yet, housing inventories remain tight
and demand may outpace supply for
some time. Investments in coastal areas
such as the Jersey Shore and ex-urban
communities surrounding major cities have
grown as remote work continues to be an
option. Housing investments have a strong
multiplier effect, as they drive consumer
product sales in sectors such as furniture,
appliances, and home-related services.
21% Philadelphia
46% New Jersey
30% New York
3% Boston/Baltimore
5.9
$ Billion
Total
In addition, the Northeast corridor is one
of the world’s most productive economic
regions, as well as a major logistics hub.
Based on the growing needs of the region’s
nearly 50 million people, supply chain
repositioning, the demand created by
e-commerce, and a desire to avoid costly
long-distance transportation, investments
in warehouses and other logistics facilities in
the Northeast are growing at a rapid pace.
At the same time, our region plays host
to a high concentration of health science
businesses, which are attracting a new wave
of domestically focused investment.
OceanFirst’s prospects for the future
reflect our successful efforts to expand
our presence in the thriving Northeastern
U.S. megalopolis, where we can continue
to benefit from the economic growth
drivers described here. At the same
time, all industries are facing a wave of
technological innovation, and banking is no
different. Digital service delivery, machine
learning, and artificial intelligence solutions
will determine economic performance,
especially when labor costs are subject to
inflationary pressure.
annual report 2021 3
Expanding Commercial Banking
Since the establishment of our commercial
banking segment in 1996, we have built
an increasingly competitive business.
The rapid expansion of our commercial
banking capabilities since 2013 has been
a multi-year initiative, and 2021 was a
banner year in terms of our progress. From
our entry into the sector, we envisioned a
commercial banking business that would
allow us to build long term relationships
with businesses of all sizes, from emerging
entrepreneurs to middle market enterprises
and a variety of multi-generational family
institutions. These relationships have
generated a quality and diversified loan
portfolio, a stable low-cost deposit base,
and the potential for non-interest income.
Our commitment to commercial banking
has always been driven by hiring the
best talent to lead the business, building
out each market with experienced, well-
connected local bankers who know their
markets, and have solid relationships with
potential clients, as well as exceptional
reputations in the business community. At
the same time, we have markedly increased
our investment in commercial services,
adding treasury management experts
coupled with a sophisticated treasury
management operation to support
customers’ needs and diversify our
funding base.
After proving our talent-led model in
central and southern New Jersey, we
extended our successful formula to the
contiguous markets of Philadelphia and
New York City in 2018, and northern
New Jersey in 2020.
4 OceanFirst Financial Corp.
Joseph J. Lebel III
President and
Chief Operating Officer
A major move in the past year was estab-
lishing our commercial banking offices in
the Baltimore and Boston markets. In 2021
alone, we hired 18 new commercial bankers
for our new and existing markets, and have
also invested in our construction lending
team. Reflecting our success, commercial
loans and deposits represented 68% and
56% of our total loans and total deposits,
respectively, at year-end 2021. The loan
balances of our newer regions – Philadelphia,
New York City, Baltimore and Boston – have
already reached $3.2 billion in just a few
years. Our expansion markets are increas-
ingly contributing to earnings, a trend we
expect that will continue for many years.
Continuing Our Digital Journey
Our customers, both commercial and
consumer, are adopting digital products
at an incredible pace. Our continued
investment in digital solutions reflects
changing customer behaviors and will
determine our future competitiveness.
Deposits
$ in billions
Loans Receivable
$ in billions
Total Assets
$ in billions
Deposits
in millions $
Loans Receivable
in millions $
Loans Receivable
$6.2
$ in billions
$5.6
Total Assets
$8.2
$7.5
$ in billions
Deposits
in millions $
6
Loans Receivable
in millions $
6
$9.7
$9.4
Deposits
$6.3
$ in billions
$5.8
$9.7
$9.4
$8.6
$7.7
$8.6
$7.7
$11.4
$11.7
$11.4
$11.7
$6.3
$5.8
$6.2
$5.6
$8.2
$7.5
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
Diluted Earnings
Per Share
Net Income
$ in millions
’18
’19
’20
’21
’18
’19
’20
’21
10
8
10
4
8
2
6
0
4
2
0
10
8
10
4
8
2
6
0
4
2
0
Diluted Earnings
Per Share
Diluted Earnings
Per Share
2.0
1.5
2.0
1.0
1.5
0.5
1.0
0.0
0.5
0.0
Net Income
in millions $
Net Income
80
in millions $
120
100
120
60
100
40
80
20
60
0
40
20
0
$1.75
$1.78
$1.51
Diluted Earnings
Per Share
$1.02
$1.75
$1.78
$1.51
$1.02
$110.0
$88.6
Net Income
$71.9
$ in millions
$63.3
$110.0
$88.6
$71.9
$63.3
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
’18
’19
’20
’21
Successful
Commercial
Loan Growth
outside of
New Jersey
Successful
percentage
Commercial
of total
Loan Growth
outside of
New Jersey
percentage
of total
46% New Jersey
30% New York
21% Philadelphia
3% Boston/Baltimore
46% New Jersey
30% New York
21% Philadelphia
3% Boston/Baltimore
5.9
$ Billion
5.9
Total
$ Billion
Commercial
Loan Portfolios
by Geography
Record numbers of customers are responding
positively to our digital offerings. The number
of mobile banking users were up 8% over
the prior year and more customers are using
our digital payment options; dollars spent
using eWallets such as Apple Pay, Visa Click
to Pay, and others rose 75% from 2020 to
2021. Video banking, via Interactive Teller
Machines, is now available at 40 locations
and since inception there have been more
than 268,000 video transactions. Video and
text chat functions, both launched in 2021,
are experiencing exponential volume in-
creases. In 2021, we completed the upgrade
of OceanFirst’s core banking operating
platform, transitioning the bank to a newer,
more flexible system that can support the
features and solutions that our customers
desire today and will demand in the future.
A major move in the past
year was establishing
our commercial banking
offices in the Baltimore
and Boston markets.
We have continued to invest in fintech
solutions. We were an early investor in and
adopter of Nest Egg, a hybrid robo-advisor
that combines a planning-based platform
with personalized guidance. Nest Egg
now serves nearly 2,225 OceanFirst clients
with over $428 million in assets under
administration. Early in 2021, we made a
non-controlling equity investment in
Auxillior Capital Partners, Inc., which offers
technology-enabled, equipment finance
services and funded $305 million in new
business transactions last year and was
named the fastest growing independent
firm in their field.
Another key element of our digital strategy
is the expansion of our Customer Care
Center (CCC), which is based at our expanded
headquarters campus in Toms River, NJ.
Total
A distinguishing strength of OceanFirst,
the CCC allows customers to engage
with us through their preferred channel:
secure e-mail, chat, video or phone. As
remote work has become more prevalent,
increasing the vulnerability of individuals
and businesses to cyber-crime, our Security
Operations Center has continued its efforts
to protect our customers and their data
from a variety of threats.
As customer behavior continues to evolve,
accelerated by the pandemic, more
customers are choosing to bank via digital
channels rather than physical branches. In
response, we are moving toward a future
with fewer brick-and-mortar branches,
coupled with greater investment in
resources such as digital offerings, video
tellers, and the Customer Care Center. In
line with this strategy, we consolidated 20
deposit gathering locations in December
2021 and January 2022. At the same time,
we are moving forward with the creation
of additional “super branches” to serve as
regional hubs. Our super branches offer
a comprehensive customer experience in
a welcoming, open environment where
universal bankers can assist customers with
a wide range of transactions, products
and services, and financial advisory needs.
In addition to aligning more closely with
our customers’ banking preferences,
our branch optimization initiative helps
to provide resources for investment in
commercial banking and digital solutions,
while enhancing the overall cost efficiency
of our business.
annual report 2021 5
Our People. Our Strength.
TALENT-LED
6 OceanFirst Financial Corp.
For a listing of the employees in the selfies through this report, please visit the
Investor Relations section of www.oceanfirst.com or use this QR code.
We believe OceanFirst’s future will be shaped by
our strategic vision of a dynamic, community-
oriented financial institution, our spirit of innovation,
and the enormous talent of our people.
STRENGTH
annual report 2021 7
Enhancing Growth through
Strategic Transactions
Trident also adds a new, quality source of
non-interest income.
Our organic growth strategy has periodically
been enhanced with the acquisition of
banks in and around our core markets. To
leverage our organic growth strategy and
deploy excess capital, OceanFirst entered
into a definitive merger agreement with
Partners Bancorp in November 2021.
Partners Bancorp is a multi-bank holding
company whose subsidiaries include The
Bank of Delmarva and Virginia Partners
Bank, along with their respective operating
divisions, Liberty Bell Bank and Maryland
Partners Bank. The proposed combination
would deepen our presence in the Dela-
ware, Maryland, Virginia, and metropolitan
Washington D.C. markets – an area we now
serve through commercial banking offices.
Upon completion of the merger, which
requires necessary approvals, OceanFirst
will have approximately $13.5 billion in as-
sets, $9.3 billion in loans and $11.2 billion in
deposits, based on 2021 year-end results.
In early 2022, OceanFirst acquired a majority
interest in Trident Abstract Title Agency,
LLC. Established in 1975, Trident is a
leader in delivering superior commercial
and residential title services, and writes
title insurance through all major U.S.
underwriters. OceanFirst is highly active
in real estate finance and title insurance is
an important part of every real estate loan
closing. The addition of Trident will give our
loan customers the option of working with
a preferred title insurance partner, which is
intended to streamline the closing process
and enhance the borrowing experience.
8 OceanFirst Financial Corp.
Delivering Financial Performance
While we are expanding our geographic
markets, investing in digital and positioning
for the future, our financial performance
during 2021 was distinguished by a signif-
icant increase in profitability, strong loan
growth across all markets, and solid asset
quality. Among the highlights for the year:
n Core net income available to common
stockholders rose 54% to $111.2 million,
from $72.2 million in 2020.
n Core fully diluted earnings per share were
$1.86, increasing from $1.20 a year ago.
Our financial performance
during 2021 was distinguished
by a significant increase in
profitability, strong loan growth
across all markets, and solid
asset quality.
n Core return on average tangible assets
for 2021 was 1.00%, and core return on
average tangible stockholders’ equity was
11.25%.
n Reflecting our continuing emphasis on
expense control, the core efficiency ratio
improved to 60.84% for 2021.
Total assets rose to $11.7 billion as of year-
end 2021, virtually all of which was organic
growth. Our expanding commercial banking
operations drove record loan growth,
with $2.17 billion in loan originations, as
total loans ended the year at $8.6 billion
excluding Paycheck Protection Program
(PPP) loans. At the same time, our credit
quality was further strengthened; non-
performing loans as a percent of total loans
fell to 0.22% for 2021, down sharply from
0.47% a year earlier. Total deposits rose to
$9.7 billion.
Core return
on average
tangible
assets and
stockholders’
equity
11.25
percent
percent
assets
stockholders’ equity
OceanFirst Super Branch Philadelphia
annual report 2021 9
1.00 Celebrating
the Career of
Mike Fitzpatrick,
Chief Financial
Officer
OceanFirst’s strong financial performance
was coupled with a continuing focus on
enhancing stockholder value. Following the
2021 fourth quarter, we paid our 100th con-
secutive quarterly dividend, and our annual
cash payout of $0.68 represented 36.6% of
core earnings. We repurchased 1.7 million
shares of our common stock during 2021;
there are 3.3 million shares available under
the current buyback authorization, represent-
ing 5.6% of the total shares outstanding.
Responsibility to Our Stakeholders
As a community-based financial institution,
we believe in engaging with our neighbors,
promoting a diverse and supportive work
environment, and operating in a responsible
manner with respect to environmental,
social and governance matters. In 2021,
OceanFirst Bank provided approximately
$28 million in loans and $168 million in
investments in community development and
similar projects. The OceanFirst Foundation,
established in 1996 in conjunction with
our Company’s initial public offering (IPO),
has contributed over $40 million since
inception to support charitable efforts in
our communities, and our WaveMakers
program has encouraged OceanFirst
employees to volunteer thousands of hours
with community service organizations.
OceanFirst strives to create an environment
of respect, professionalism, equity and
inclusiveness. We are proud of the diverse
composition of our Board of Directors, as
well as our initiatives to build a team that
reflects the population of our communi-
ties, through efforts such as our Diversity
and Inclusion Council, partnerships with
organizations such as the African American
Chamber of Commerce of New Jersey, and
a range of mentoring and career develop-
ment programs for employees.
We also recognize the vital importance – for
OceanFirst and all our stakeholders – of
maintaining responsible policies and practices
with respect to environmental, social and
governance (ESG) matters. Toward that
end, in 2021 we expanded the role of our
Corporate Social Responsibility Committee,
which is now known as the ESG Committee
and reports regularly to the Leadership
Committee of the Board of Directors. We
will provide more detail on our initiatives in
a separate ESG Report.
We would like to acknowledge several lead-
ership changes as we enter a new year. We
recently announced the pending retirement
of Michael Fitzpatrick, our Executive Vice
President and Chief Financial Officer, who
joined us in 1992 as our first Chief Financial
Officer. Very few public company chief
financial officers can boast more than 100
quarters of securities filings, which included
25 SEC Form-10-Ks, 75 SEC Form-10-Qs,
and countless other financial and non-financial
filings. Mike built a reputation for accuracy
and integrity that burnished the brand of
OceanFirst. We have included more about
Mike’s nearly three decades of service to
OceanFirst elsewhere on this page, and we
are deeply grateful for his many contributions.
Michael J. Fitzpatrick, Executive Vice
President and Chief Financial Officer
– and an invaluable member of our
management team for nearly three
decades – announced plans to retire as
of June 1, 2022. Since becoming the
Bank’s first Chief Financial Officer
in 1992, Mike’s leadership has had
a significant positive impact on
OceanFirst. Joining what was then
a savings association with a few
hundred million dollars in assets,
Mike was a major contributor to our
evolution into a commercial bank
with assets of over $11 billion.His
accomplishments include our initial
public offering in 1996, as well
as the establishment of OceanFirst
Foundation – the first such foundation
ever created as part of a mutual-
to-stock conversion. Mike also has
seen the Company through seven
acquisitions and the realization of
many successful growth strategies,
while at the same time rigorously
managing our finance and accounting
functions. Mike’s spirit of kindness,
compassion and humor was much
appreciated by his colleagues. We
are deeply grateful to Mike for his
counsel and guidance and we wish
him many happy and healthy years
of retirement.
10 OceanFirst Financial Corp.
We are committed to
continuing to build an
enterprise that can serve
the needs of our customers,
stockholders, employees
and communities for the
long-term.
We also look forward to a seamless transi-
tion to Mike’s successor, Patrick Barrett, who
joined our OceanFirst team a few weeks
ago. Pat has more than 30 years of financial
services experience and most recently was
the Chief Financial Officer at First Midwest
Bancorp, Inc. With his extensive experience
leading finance teams at banks with high
growth and performance, we expect Pat will
be a valuable addition to our OceanFirst
leadership team.
Several members of our Board of Directors
have recently retired or have decided not
to pursue re-election at the conclusion of
their terms, including Angelo Catania, John
Lloyd, and Bill Moss. Angelo Catania served
the Board for 16 years, including terms as
Chair of the Finance Committee. John Lloyd,
a pioneer and entrepreneur in the health-
care industry, helped build the Hackensack
Meridian Health organization as Co-CEO.
Bill Moss served the New Jersey banking
industry in a wide variety of ways, including
as the Chairman and CEO of Two River Bank,
Chairman of the New Jersey Bankers Associ-
ation, and a Director of Atlantic Community
Bankers Bank. The Company will miss the
advice, wisdom, and support of all three
directors. The slate of directors for consider-
ation in 2022 is more appropriately sized for
the needs of our business.
In 2021 we celebrated the 25th anniversary
of OceanFirst’s initial public offering. Such
occasions always provide an opportunity
to look back – and to look forward – and to
consider what it takes to position a business
to weather near-term challenges and capture
future opportunities. We are committed to
continuing to build an enterprise that can serve
the needs of our customers, stockholders,
employees and communities for the long-
term. We believe OceanFirst’s future will be
shaped by our strategic vision of a dynamic,
community-oriented financial institution, our
spirit of innovation, and the enormous talent
of our people. As always, we appreciate the
loyalty of our customers and stockholders,
the passion and commitment of our team
members, and the wise counsel of our Board
of Directors. We thank you and look forward to
reporting on our progress in the years ahead.
March 28, 2022
Sincerely,
Christopher D. Maher
Chairman of the Board
and Chief Executive Officer
Joseph J. Lebel III
President and
Chief Operating Officer
annual report 2021 11
Serving Customers throughout
the Northeastern United States
NORTHEASTERN
UNITED STATES
MEGALOPOLIS
POPULATION
OVER
50 MILLION
PA
MD
DC
PENNSYLVANIA
12,964,000
population
BALTIMORE
METRO
2,333,000
population
D.C. METRO
6,400,000
population
12 OceanFirst Financial Corp.
ME
NH
RI
CT
Regional/Market Presidents
R. Thomas Crawford
Baltimore
Vincent M. D’Alessandro
Community & Retail Banking
George Destafney
New Jersey Region
Bradley J. Fouss
Greater Philadelphia
Daniel L. Griggs
Boston Region
Daniel J. Harris
New York Region and
Chief Commercial
Real Estate Officer
Susanne Svizeny
Mid-Atlantic Region
BOSTON
METRO
4,315,000
population
MA
NY
NJ
NEW YORK CITY
METRO
20,140,000
population
NEW JERSEY
9,267,000
population
DE
DELAWARE
1,000,000
population
Corporate Information
Board of Directors
Angelo J. Catania
Retired
Homestar Services, LLC
Anthony R. Coscia, Esq.
Partner, Windels Marx Lane
& Mittendorf, LLP
Michael D. Devlin
Retired
Cape Bancorp, Inc.
Jack M. Farris
Retired
Verizon Communications, Inc.
Kimberly M. Guadagno, Esq.
Executive Director
Mercy Center
Nicos Katsoulis
Retired
Sun National Bank
John K. Lloyd
Retired
Hackensack Meridian Health
Christopher D. Maher
Chairman of the Board and
Chief Executive Officer
OceanFirst Bank, N.A.
Joseph M. Murphy, Jr.
Retired
Country Bank Holding
Company, Inc.
Steven M. Scopellite
Consultant
Retired–Goldman Sachs
Grace M. Vallacchi
Executive Vice President and
Chief Risk Officer
OceanFirst Bank, N.A.
John E. Walsh
Senior Vice President
T&M Associates, Inc.
Director Emeritus
John W. Chadwick
John R. Garbarino
Robert E. Knemoller
Donald E. McLaughlin
Diane F. Rhine
James T. Synder
OceanFirst Financial Corp.
Corporate Officers
Christopher D. Maher
Chairman of the Board,
President and Chief
Executive Officer
Joseph J. Lebel III
Executive Vice President and
Chief Operating Officer
Michael J. Fitzpatrick
Executive Vice President and
Chief Financial Officer
Steven J. Tsimbinos
Executive Vice President and
Corporate Secretary
Grace C. Torres
Trustee
Prudential Retail Mutual Funds
Grace M. Vallacchi
Executive Vice President and
Chief Risk Officer
Patricia L. Turner, MD
Executive Director
American College of Surgeons
David R. Howard
First Senior Vice President
and Treasurer
Jill Apito Hewitt
Senior Vice President and
Investor Relations Officer
Angela K. Ho
Senior Vice President and
Chief Accounting Officer
B. Matthew McCue
Vice President and Assistant
Corporate Secretary
OceanFirst Bank N.A.
Executive Officers
Christopher D. Maher
Chairman of the Board and
Chief Executive Officer
Joseph J. Lebel III
President and Chief
Operating Officer
Michele B. Estep
Executive Vice President and
Chief Administrative Officer
Michael J. Fitzpatrick
Executive Vice President and
Chief Financial Officer
Karthik K. Sridharan
Executive Vice President and
Chief Information Officer
Steven J. Tsimbinos
Executive Vice President and
General Counsel
Grace M. Vallacchi
Executive Vice President and
Chief Risk Officer
.
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NASDAQ: OCFC
Headquarters (HQ1)
Operations Center
975 Hooper Avenue
Toms River, NJ 08753
Administrative Offices
(HQ2)
110 West Front Street
Red Bank, NJ 07701
Annual Meeting Of
Stockholders
The Annual Meeting of
Stockholders will be held on
May 25, 2022 at 9:00 a.m.
Stockholders may participate in
the virtual meeting.Instructions
to access the virtual meeting
will be mailed to all stockholders
eligible to participate and are
available at the Investor Relations
area at www.oceanfirst.com.
Investor Relations
Stock Transfer And Registrar
Shareholders wishing to change
the name, address or ownership
of stock, to report lost certificates
or to consolidate accounts are
asked to contact the Company’s
stock registrar and transfer agent
directly:
Broadridge Corporate
Issuer Solutions
P.O. Box 1342
Brentwood, NY 11717
(877) 724-6454
Copies of the Company’s earnings
releases and financial publications,
including the annual report
on Form 10-K (without exhibits)
filed with the Securities and
Exchange Commission are
available without charge by
contacting:
Jill Apito Hewitt,
Senior Vice President,
Extension 7516 or
investorrelations@oceanfirst.com
Independent Registered
Public Accounting Firm
KPMG LLP
51 John F. Kennedy Parkway
Short Hills, NJ 07078
Equal Opportunity Lender
Equal Housing Lender