Original filing text · Part II

Item 1A — Risk Factors

Oceanfirst Financial Corp. · 10-Q · Q2 FY2026 · Period ended Jun 30, 2026

This is the extracted source text from the SEC filing. Formatting may differ from the original document.

For a summary of risk factors relevant to the Company, see Part I, Item 1A, “Risk Factors,” in the 2025 Form 10-K. There have been no material changes to risk factors relevant to the Company’s operations since December 31, 2025. Additional risks not presently known to the Company, or that the Company currently deems immaterial, may also adversely affect the business, financial condition or results of operations.