Short answer
OCEANFIRST FINANCIAL CORP (OCFC) filed an 8-K current report with the SEC on July 31, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.2). Q2 2026 results covered quarter ended June 30, 2026.
OCEANFIRST FINANCIAL CORP 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Press release issued July 30, 2026 and furnished as Exhibit 99.1
- Investors should review Exhibit 99.1 for earnings figures and management commentary
Item 7.01 · Regulation FD Disclosure
- Investor presentations scheduled after July 30, 2026
- Exhibit 99.2 contains presentation materials for current and prospective investors
- Materials will be posted on OceanFirst’s website
- Regulation FD disclosure furnished, not filed with the SEC
Item EX-99.1 · Exhibit EX-99.2
- Q2 net loss $3.0M, or $0.04 per share, versus $20.5M profit in Q1; $42.8M merger expenses obscured underlying performance
- Core earnings $30.5M, or $0.43 per share, up from $24.3M; core efficiency ratio improved to 66.20%
- Flushing acquisition added $8.69B assets, $6.19B loans, $7.44B deposits, and 30 branches, materially expanding New York exposure
- Multifamily loan sale generated $1.20B net proceeds and reduced CRE concentration approximately 50 percentage points to 381%
- Credit risk increased: non-performing loans $108.2M, allowance 1.29% of loans, and criticized assets $541.5M after Flushing integration
Generated from the filing text and exhibits; verify against the original. What 8-K item codes mean
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