OceanFirst Financial Corp. is a bank holding company that operates OceanFirst Bank, a regional bank serving central and southern New Jersey as well as major metropolitan areas including New York City and Philadelphia through a network of branch offices and loan production offices. The bank's principal business is originating commercial real estate loans, along with commercial and industrial loans, residential real estate loans, and consumer loans, while also generating revenue from deposit account services, trust and fiduciary services, bankcard services, and securities investments. The bank funds its lending operations primarily through retail and commercial deposits, supplemented by Federal Home Loan Bank advances, capital markets borrowing, and other funding sources, and competes against larger regional and national banks by leveraging local market expertise and personalized service.