Christopher Marinac

Daniel Tamayo

David Bishop

Matthew Breese

Frank Schiraldi

Manuel Navas

Timothy Switzer

Tim Switzer

- OceanFirst Financial Corp. reported **Core Diluted EPS of $0.31** and **Net Income of $17.7 million** for Q2 2025.  **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:3]** **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:10]** 
- As of Q2 2025, the company maintained a strong balance sheet with **$13.3 billion in assets**, **$10.2 billion in deposits**, and a **CET1 Ratio of 11.0%**.  **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:3]** **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:8]** 
- The company actively managed capital, repurchasing **1,003,550 shares** during Q2 2025 and authorizing the repurchase of up to **3 million additional shares** in July 2025.  **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:8]** **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:10]** 
- For Q3 2025, management anticipates **loan growth of 2-3% sequentially (8-12% annualized)** and expects **operating expenses to be in the range of $71-72 million**.  **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:9]** **[1004702_0001004702-25-000113_ex991investorpresentatio.htm:7]**

OCEANFIRST FINANCIAL (OCFC)