Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2015

Summary of Regulatory Capital Amounts and Ratios

The following is a summary of the Bank’s regulatory capital amounts and ratios as of December 31, 2015 and 2014 compared to the regulatory minimum capital adequacy requirements and the regulatory requirements for classification as a well-capitalized institution then in effect (in thousands). The Bank was not subject to the common equity Tier 1 capital requirement at December 31, 2014.


	Actual					For capital adequacy purposes					To be well-capitalized under prompt corrective action
As of December 31, 2015	Amount		Ratio			Amount		Ratio			Amount		Ratio

Tier 1 capital (to average assets)	$	229,306		8.91	%	$	102,935		4.00	%	$	128,669		5.00	%
Common equity Tier 1 (to risk-weighted assets)		229,306		12.72			81,114		4.50			117,165		6.50
Tier 1 capital (to risk-weighted assets)		229,306		12.72			108,152		6.00			144,203		8.00
Total capital (to risk-weighted assets)		246,106		13.65			144,203		8.00			180,253		10.00


	Actual					For capital adequacy purposes					To be well-capitalized under prompt corrective action
As of December 31, 2014	Amount		Ratio			Amount		Ratio			Amount		Ratio

Tier 1 capital (to average assets)	$	223,573		9.46	%	$	94,573		4.00	%	$	118,217		5.00	%
Tier 1 capital (to risk-weighted assets)		223,573		14.05			63,663		4.00			95,494		6.00
Total capital (to risk-weighted assets)		239,940		15.08			127,325		8.00			159,157		10.00

OceanFirst Financial Corp. [Member]

Summary of Regulatory Capital Amounts and Ratios

The following is a summary of the consolidated Company’s regulatory capital amounts and ratios as of December 31, 2015 compared to the regulatory minimum capital adequacy requirements and the regulatory requirements for classification as a well-capitalized institution (in thousands). The Company was not subject to regulatory capital requirements at December 31, 2014.


	Actual					For capital adequacy purposes					To be well-capitalized under prompt corrective action
As of December 31, 2015	Amount		Ratio			Amount		Ratio			Amount		Ratio

Tier 1 capital (to average assets)	$	250,324		9.72	%	$	102,984		4.00	%	$	128,730		5.00	%
Common equity Tier 1 (to risk-weighted assets)		241,856		13.40			81,234		4.50			117,338		6.50
Tier 1 capital (to risk-weighted assets)		250,324		13.87			108,312		6.00			144,416		8.00
Total capital (to risk-weighted assets)		267,124		14.80			144,416		8.00			180,520		10.00