{"schema_version":"secwatch.filing_event.v1","accession":"0001004702-26-000116","form_type":"8-K","ticker":"OCFC","cik":"0001004702","company_name":"OCEANFIRST FINANCIAL CORP","filed_at":"2026-07-30T22:19:07+00:00","discovered_at":"2026-07-31T10:05:00.275566+00:00","generated_at":"2026-07-31T10:05:42.745912+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OceanFirst reports Q2 net loss of $3.0M vs. $16.2M net income a year ago","bullets":["Net loss of $3.0M ($0.04 diluted loss per share) vs. net income of $16.2M ($0.28 EPS) in Q2 2025.","Net interest margin improved to 3.05% from 2.91% a year ago; efficiency ratio worsened to 98.88%.","Six-month net income available to common stockholders fell to $17.5M ($0.27 EPS) from $36.7M ($0.63 EPS).","Board declared $0.20 per share quarterly dividend, payable Aug 21, 2026 to holders of record Aug 10, 2026.","Return on average tangible common equity was -0.88% annualized for Q2 vs. 5.66% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001004702-26-000116","json":"https://secwatch.observer/filing/0001004702-26-000116.json","markdown":"https://secwatch.observer/filing/0001004702-26-000116.md","text":"https://secwatch.observer/filing/0001004702-26-000116.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/0001004702-26-000116-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ocfc-20260730.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-31T10:05:42.745912+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}