OceanFirst Financial Corp. operates as holding company for OceanFirst Bank. It attracts deposits from the general public in the communities surrounding its branch offices and investing those deposits primarily in single-family, owner-occupied residential mortgage loans and commercial real estate loans. The company deposit products consist of money market accounts, savings accounts, interest-bearing checking accounts, non-interest bearing accounts and time deposits. Its loan portfolio includes conventional first mortgage loans secured by one-to-four family residences, residential mortgage loans, commercial real estate loans, multi-family and land loans, and real estate construction loans, consumer loans, such as home equity loans and lines of credit; and commercial loans. The firm offers trust and asset management services, as well as sells alternative investment products, including mutual funds, annuities and life insurance. OceanFirst Financial is headquartered in Toms River, NJ.