OceanFirst Financial (OCFC) Registration filing summary

Company overview and business model

• Incorporated in Delaware, serves as holding company for a $23 billion regional bank operating in New Jersey, New York, Long Island, and major metropolitan areas from Massachusetts through Virginia.

• Provides commercial and residential financing, treasury management, trust and asset management, and deposit services.

• Recently completed a merger with Flushing Financial Corporation as of June 1, 2026.

Financial performance and metrics

• Financial statements for the years ended December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025, are incorporated by reference and audited by Deloitte & Touche LLP.

• Flushing Financial Corporation’s financials for the same periods are also incorporated by reference and audited by BDO USA, P.C.

Use of proceeds and capital allocation

• No proceeds will be received from the sale of shares by the selling securityholders; all proceeds go to the selling securityholders.

• Company will bear registration and related costs, while selling securityholders pay underwriting discounts and commissions.