secwatch.observer — SEC 8-K summary
======================================

Issuer:     OCEANFIRST FINANCIAL CORP (OCFC)
CIK:        0001004702
Form:       8-K
Filed at:   2026-07-30T22:19:07+00:00
Accession:  0001004702-26-000116
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

OceanFirst reports Q2 net loss of $3.0M vs. $16.2M net income a year ago
------------------------------------------------------------------------

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/0001004702-26-000116-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ocfc-20260730.htm
  HTML page:      https://secwatch.observer/filing/0001004702-26-000116

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer