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OCFC on Nasdaq

OceanFirst Bank

Logo: OceanFirst, Public domain, via Wikimedia Commons4

Banking institution in the United States

OceanFirst Bank N.A. is an American regional bank subsidiary of the U.S. financial services holding company OceanFirst Financial Corp. founded and headquartered in Ocean County, New Jersey, with operations throughout New Jersey, and in the major metropolitan markets of Philadelphia, New York City, Baltimore, Boston, Washington D.C. The company offers checking and savings accounts, online and mobile banking, residential mortgages, commercial financing, and treasury management.3 Its shares trade on Nasdaq under the symbol OCFC.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

1902Founded1

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  • TickerOCFC on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersToms River1
  • Websiteoceanfirst.com
  • Incorporated inDE5
  • Business address975 Hooper Ave, Toms River, Nj 08753-83965
  • Filer categoryLarge accelerated filer5

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OceanFirst Bank N.A. is an American regional bank subsidiary of the U.S. financial services holding company OceanFirst Financial Corp. founded and headquartered in Ocean County, New Jersey, with operations throughout New Jersey, and in the major metropolitan markets of Philadelphia, New York City, Baltimore, Boston, Washington D.C.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Account brought in 92% of the revenue OceanFirst Bank broke down this way in fiscal 2025.

  1. Deposit Account$17.9M792%down 18% from 2024
  2. Investment Advisory, Management and Administrative Service$1.5M78%down 13% from 2024
Products and services by year
Products and services202320242025
Deposit Account$21.3M$21.8M$17.9M
Investment Advisory, Management and Administrative Service$2.5M$1.7M$1.5M

Financial statements

Net income8910117$71.0M in 2025−20% since 2019
0$50.0M$100.0M$150.0M2019: $88.6M$88.6M20192020: $63.3M$63.3M2020−29%2021: $110.1M$110.1M2021+74%2022: $146.6M$146.6M2022+33%2023: $104.0M$104.0M2023−29%2024: $100.1M$100.1M2024−4%2025: $71.0M$71.0M2025−29%

Every line of the income statement as filed: the last 3 fiscal years, latest first.7

Period ending2025-12-312024-12-312023-12-31
Loans$556.9M$545.2M$521.9M
Debt securities$72.1M$77.7M$59.3M
Equity investments and other$13.5M$19.2M$26.8M
Total interest income$642.5M$642.2M$608.0M
Deposits$216.2M$242.1M$172.0M
Borrowed funds$66.1M$66.0M$66.2M
Total interest expense$282.2M$308.1M$238.2M
Net interest income$360.2M$334.0M$369.7M
Provision for credit losses$16.2M$7.7M$17.7M
Net interest income after provision for credit losses$344.1M$326.3M$352.1M
Bankcard services revenue$6.5M$6.2M$5.9M
Net gain on sales of loans$3.7M$2.4M$428.0K
Net gain (loss) on equity investments$916.0K$4.2M-$3.7M
Net loss from other real estate operations-$285.0K-$20.0K$0
Income from bank owned life insurance$7.8M$7.9M$5.3M
Commercial loan swap income$3.6M$879.0K$741.0K
Other$3.1M$5.1M$1.2M
Total other income$44.7M$50.2M$33.6M
Compensation and employee benefits$159.4M$138.3M$135.8M
Occupancy$22.9M$20.8M$21.2M
Equipment$3.6M$4.2M$4.7M
Marketing$5.7M$5.2M$4.2M
Federal deposit insurance and regulatory assessments$11.6M$11.0M$11.2M
Data processing$27.7M$24.3M$24.8M
Check card processing$4.6M$4.4M$4.6M
Professional fees$15.1M$9.5M$18.3M
Amortization of intangibles$3.6M$3.3M$4.0M
Branch consolidation expense, net$0$0$70.0K
Merger related expenses$4.3M$1.8M$22.0K
Restructuring charges$11.5M$0$0
Other operating expense$26.4M$23.1M$20.0M
Total operating expenses$296.2M$245.9M$248.9M
Income before provision for income taxes$92.5M$130.7M$136.8M
Provision for income taxes$21.5M$30.3M$32.7M
Net income$71.0M$100.4M$104.1M
Net income attributable to non-controlling interest$49.0K$325.0K$36.0K
Net income attributable to OceanFirst Financial Corp.$71.0M$100.1M$104.0M
Dividends on preferred shares$2.0M$4.0M$4.0M
Loss on redemption of preferred stock$1.8M$0$0
Net income available to common stockholders, basic$67.1M$96.0M$100.0M
Net income available to common stockholders, diluted$67.1M$96.0M$100.0M
Basic earnings per share (in dollars per share)$1.17$1.65$1.70
Diluted earnings per share (in dollars per share)$1.17$1.65$1.70
Average basic shares outstanding (in shares)57.4M shares58.3M shares58.9M shares
Average diluted shares outstanding (in shares)57.4M shares58.3M shares59.0M shares

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Corporate structure

OceanFirst Bank sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of OceanFirst Bank

  • OceanFirst Bank Toms River

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What OceanFirst Bank reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Finance-lease assets$838.0K7 Dec 31, 2025$1.1M7 Dec 31, 2024−21.8%
Operating-lease assets (leased space)$17.6M7 Dec 31, 2025$15.5M7 Dec 31, 2024+13.9%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$11.0B7 Dec 31, 2025$10.1B7 Dec 31, 2024+9.1%
Deposits held (banks)$11.0B7 Dec 31, 2025$10.1B7 Dec 31, 2024+8.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$517.5M7 Dec 31, 2025$523.3M7 Dec 31, 2024−1.1%
Intangible assets, net (excluding goodwill)$9.0M7 Dec 31, 2025$12.7M7 Dec 31, 2024−28.7%
Finite-lived intangibles, net$9.0M7 Dec 31, 2025$12.7M11 Dec 31, 2024−28.7%

Properties, in its own words

At December 31, 2025, the Company primarily conducted its business through its headquarters located in Toms River, New Jersey, and its administrative office located in Red Bank, New Jersey. The Company also conducts its business at 41 branch offices and various deposit production facilities located throughout central and southern New Jersey and major metropolitan areas of New York City and Philadelphia. The Bank also operates commercial loan production offices in New Jersey, New York City, the greater Philadelphia area, Pittsburgh, Washington D.C., Baltimore, Boston and Northern Virginia.

Item 2 of the 10-K filed Feb 27, 2026.15

The story

History

When OceanFirst Bank opened its doors in 1902, it was founded as the Point Pleasant Building & Loan Association. In 1960, the name was changed to Ocean Federal Savings and Loan, establishing local operations until 1985 when business expansion took place into Middlesex County, NJ.

OceanFirst completed its initial public offering (IPO) converting from mutual to stock ownership in 1996, which included establishing a holding company, OceanFirst Financial Corp. In 1999, the name was changed from Ocean Federal Savings & Loan Association to OceanFirst Bank. In 2018, the company completed the conversion of its charter from a federal savings bank to a national commercial bank, changing to OceanFirst Bank N.A.

OceanFirst Foundation

In 1996, the bank established an independent charitable foundation named OceanFederal Foundation in 1996. In 1999, it became OceanFirst Foundation. The Foundation empowers non profit organizations to think bigger, solve more problems, and make life better. Overall, more than 9,000 grants totaling over $49 million have been given out to over 1,200 organizations.

From Wikipedia’s article on OceanFirst Bank, shared under CC BY-SA 4.0.6

Leadership

Who has led OceanFirst Bank, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. John R. Garbarino2006–2014
  2. Christopher Maher2015–now

Chair

  1. John R. Garbarino2006–2014
  2. Christopher Maher2017–now

President

  1. John R. Garbarino2006–2011
  2. Vito Nardelli2010–2012
  3. Christopher Maher2013–2020

Chief financial officer

  1. Michael J. Fitzpatrick2006–2022
  2. Patrick Sean Barrett2022–now

Chief operating officer

  1. Christopher Maher2013–2014
197019801990200020102020
Board members and other officers (35)

Acquisitions

OceanFirst Financial Corp. enhanced its organic growth efforts with acquisitions beginning in 2015. Since then, it has completed deals to acquire 7 different financial institutions in New Jersey, and New York City. First was the acquisition of Colonial American Bank on July 31, 2015. Then, in January 2016, it agreed to buy Cape Bancorp, Inc. which was a bank with 22 branches and five loans offices, for $196 million.

On November 30, 2016, OceanFirst Financial Corp. acquired, for $146 million, Ocean Shore Holding Co. including its subsidiary, Ocean City Home Bank, a community bank in Ocean City with 11 branches in Atlantic and Cape May counties. In 2018, it completed a $475 million acquisition of Sun Bancorp Inc., the holding company for Sun National Bank. In January 2019, it closed a $77 million acquisition deal of Capital Bank of New Jersey including four branches located in Cumberland, Gloucester, and Atlantic Counties.

On January 1, 2020, OceanFirst Financial Corp. acquired Two River Bancorp and Country Bank Holding Company, Inc. in a transaction worth approximately $183 million and $102.2 million respectively. Two River Bancorp was a full-service community bank operating 14 branch locations and 2 loan production offices in Monmouth, Ocean, Union and Essex Counties. Country Bank Holding Company Inc. provided banking services to small businesses and individuals through its network of 5 Country Bank branches located in the metropolitan New York market.

In August 2024, OceanFirst acquired Garden State Home Loans, which will now operate as Garden State Home Loans, A Division of OceanFirst Bank. Garden State originates loans and is licensed to serve 14 states. Shortly after, OceanFirst acquired Spring Garden Capital Group, LLC. Spring Garden provides funding for affordable and workforce housing in the Philadelphia, Pittsburgh, Baltimore, and Washington D.C. areas.

Read the full text

On December 29, 2025, OceanFirst announced an agreement to acquire Flushing Financial Corp in a deal that will bring OceanFirst to be an organization with $23 billion in assets, $17 billion in total loans, and $18 billion in total deposits across 71 retail branches.

From Wikipedia’s article on OceanFirst Bank, shared under CC BY-SA 4.0.6

Former names

  • OCEAN FINANCIAL CORPDec 20, 1996 to Mar 26, 19995

Timeline

  1. Jul 31, 20268-K Results of operations; Regulation FD disclosure; Other events58
  2. Jun 30, 20268-K Other events59
  3. Jun 30, 20268-K Other events60
  4. Jun 8, 20268-K Other events61
  5. Jun 1, 20268-K Entered a material agreement; Completed an acquisition or sale; New debt or obligation62
  6. May 28, 20268-K Executive or director change; Shareholder vote63
  7. May 1, 20268-K Regulation FD disclosure64
  8. Apr 27, 20268-K Other events65
  9. Apr 23, 20268-K Results of operations; Regulation FD disclosure66
  10. Apr 15, 20268-K Other events67
  11. Apr 7, 20268-K Shareholder vote; Other events68
  12. Jan 29, 20268-K Regulation FD disclosure69
  13. Mar 20, 2015New chief executive Christopher Maher becomes CEO16
  14. Feb 21, 2006New chief executive John R. Garbarino becomes CEO17
  15. 1996Went public Listed on NASDAQ1
  16. 1902Founded Founded1

Calendar

Coming up

  1. Oct 27, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.36 a share, on Oct 22, 2025.70

When it reported results

  1. Jul 31, 2026Reported quarterly or annual results58
  2. Apr 23, 2026Reported quarterly or annual results66
  3. Jan 22, 2026Reported quarterly or annual results71
  4. Oct 22, 2025Reported quarterly or annual results72
  5. Jul 24, 2025Reported quarterly or annual results73
  6. Apr 24, 2025Reported quarterly or annual results74
  7. Jan 23, 2025Reported quarterly or annual results75
  8. Oct 17, 2024Reported quarterly or annual results76

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

380 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 74 major events, 205 insider forms, 21 large holders, 60 other. The latest 20:

  1. Oct 8, 2026SCHEDULE 13G EDGAR
  2. Sep 18, 20264/A EDGAR
  3. Sep 18, 20264/A EDGAR
  4. Sep 1, 20264 EDGAR
  5. Sep 1, 2026144 EDGAR
  6. Aug 19, 2026SCHEDULE 13D/A EDGAR
  7. Aug 13, 2026144 EDGAR
  8. Aug 13, 20264/A EDGAR
  9. Aug 11, 20264 EDGAR
  10. Aug 7, 202610-Q EDGAR
  11. Aug 7, 2026SCHEDULE 13G EDGAR
  12. Jul 31, 20268-K EDGAR
  13. Jul 14, 2026SCHEDULE 13G/A EDGAR
  14. Jun 30, 20268-K/A EDGAR
  15. Jun 30, 20268-K EDGAR
  16. Jun 17, 202611-K EDGAR
  17. Jun 9, 20263 EDGAR
  18. Jun 9, 20263 EDGAR
  19. Jun 9, 20263 EDGAR
  20. Jun 8, 2026SCHEDULE 13D EDGAR

The 380 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

45 open-market trades by officers, directors and large owners since October 2021: 23 buys and 22 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 31, 2026Schaeffer BrianSale5,500$18.91$104.0KForm 4
Aug 7, 2026BURAN JOHN RDirectorSale113,630$19.40$2.2MForm 4
Aug 7, 2026BURAN JOHN RDirectorSale113,630$19.40$2.2MForm 4
Aug 7, 2026BURAN JOHN RDirectorSale113,463$19.40$2.2MForm 4
Nov 11, 2024Murphy Joseph M. Jr.DirectorSale1,500$20.03$30.0KForm 4
May 2, 2024Schaeffer BrianSale3,500$15.49$54.2KForm 4
Mar 5, 2024ESTEP MICHELE BSale6,867$14.94$102.6KForm 4
Mar 5, 2024Lebel Joseph IIISenior EVP and COOSale8,496$14.93$126.8KForm 4
Mar 5, 2024Maher ChristopherChairman and CEOSale10,713$14.90$159.6KForm 4
Mar 5, 2024Schaeffer BrianSale1,747$14.84$25.9KForm 4
Mar 5, 2024Tsimbinos Steven JamesSenior EVP & Corp. SecretarySale4,687$14.79$69.3KForm 4
Mar 5, 2024GIORDANO ANTHONY IIISale1,980$14.81$29.3KForm 4
Mar 5, 2024Ho Angela KSale685$14.87$10.2KForm 4
Dec 7, 2023Barros John FDirectorBuy462$15.38$7.1KForm 4
Dec 5, 2023Garrett Robert CDirectorBuy70$15.04$1.1KForm 4
Oct 26, 2023GIORDANO ANTHONY IIIBuy2,345$12.75$29.9KForm 4
Jun 15, 2023Lebel Joseph IIISenior EVP and COOSale10,530$16.65$175.3KForm 4
Jun 2, 2023Farris Jack M.DirectorBuy100$14.76$1.5KForm 4
May 12, 2023Maher ChristopherChairman and CEOBuy2,000$13.11$26.2KForm 4
May 11, 2023Maher ChristopherChairman and CEOBuy1,000$13.00$13.0KForm 4

All 45 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Christopher D. MaherChairman and CEO of the Company and the Bank59$995.0K$3.1M84
2025Joseph J. Lebel lllPresident and Chief Operating Officer of the Bank$575.0K$2.2M84
2025Patrick S. BarrettSenior Executive Vice President and CFO of the Company and the Bank$575.0K$1.8M84
2025Michele B. EstepSenior Executive Vice President and Chief Administrative Officer of the Bank$437.8K$1.3M84
2025Steven J. TsimbinosSenior Executive Vice President, General Counsel and Corporate Secretary of the Company and the Bank$437.8K$1.3M84
2024Christopher D. MaherChairman and CEO of the Company and the Bank59$965.0K$3.0M84
2024Joseph J. Lebel lllPresident and Chief Operating Officer of the Bank$553.7K$2.1M84
2024Patrick S. BarrettSenior Executive Vice President and CFO of the Company and the Bank$465.8K$1.4M84
2024Michele B. EstepSenior Executive Vice President and Chief Administrative Officer of the Bank$425.0K$1.2M84
2024Steven J. TsimbinosSenior Executive Vice President, General Counsel and Corporate Secretary of the Company and the Bank$425.0K$1.2M84
2023Christopher D. MaherChairman and CEO of the Company and the Bank59$950.0K$2.9M84
2023Joseph J. Lebel lllPresident and Chief Operating Officer of the Bank$535.0K$2.1M84
2023Patrick S. BarrettSenior Executive Vice President and CFO of the Company and the Bank$450.0K$1.4M84
2023Michele B. EstepSenior Executive Vice President and Chief Administrative Officer of the Bank$325.0K$1.1M84
2023Steven J. TsimbinosSenior Executive Vice President, General Counsel and Corporate Secretary of the Company and the Bank$325.0K$1.1M84

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.9,940,366$194.1M0.0%+3,206,812
Warburg Pincus LLC9,574,639$187.0M100.0%New
Dimensional Fund Advisors LP4,589,658$89.6M0.0%+1,180,555
Wellington Management Group Llp4,114,069$80.3M0.0%+1,518,636
State Street Corp3,869,335$75.6M0.0%+986,962
Vanguard Capital Management LLC3,672,693$71.7M0.0%+1,245,519
Two Sigma Investments, LP2,406,209$47.0M0.0%+833,700
Invesco Ltd.2,391,416$46.7M0.0%+395,191
Geode Capital Management, LLC2,200,983$43.0M0.0%+790,935
Systematic Financial Management LP1,517,701$29.6M0.6%+134,113
Endeavour Capital Advisors Inc1,347,421$26.3M5.4%+219,069
Hotchkis & Wiley Capital Management LLC1,295,618$25.3M0.1%+604,213
Mirabella Financial Services Llp1,292,641$25.2M2.6%+493,735
American Century Companies Inc1,188,360$23.2M0.0%−40,328
Charles Schwab Investment Management Inc1,075,612$21.0M0.0%+229,270
Nuveen, LLC913,179$17.8M0.0%+290,835
Gamco Investors, Inc. Et Al863,433$16.9M0.2%+704,433
Jpmorgan Chase & Co832,878$16.3M0.0%+194,203
Goldman Sachs Group Inc795,920$15.5M0.0%+97,509
Northern Trust Corp791,180$15.5M0.0%+289,318
UBS Group AG778,555$15.2M0.0%+651,146
Vanguard Portfolio Management LLC762,479$14.9M0.0%+191,779
Aqr Capital Management LLC730,153$14.3M0.0%+327,306
Bank of New York Mellon Corp644,780$12.6M0.0%+174,688
Citadel Advisors LLC635,527$12.4M0.0%+121,218

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

8 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 15, 2024Josh GottheimerDemocratic, HouseBuy$1,001 - $15,000−44.4%Report
Mar 14, 2024Josh GottheimerDemocratic, HousePartial sale$1,001 - $15,000+41.4%Report
Jan 11, 2024Josh GottheimerDemocratic, HouseBuy$1,001 - $15,000−68.2%Report
Dec 11, 2023Josh GottheimerDemocratic, HousePartial sale$1,001 - $15,000+65.3%Report
Jun 21, 2022Christopher L. Jacobs, HouseBuy$15,001 - $50,000−122.0%Report
Feb 26, 2021Josh GottheimerDemocratic, HouseBuy$1,001 - $15,000−129.5%Report
Nov 3, 2020Gilbert Ray Cisneros, Jr.Democratic, HouseBuy$1,001 - $15,000−125.4%Report
Oct 23, 2020Josh GottheimerDemocratic, HouseBuy$1,001 - $15,000−128.6%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How OceanFirst Bank is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROCEANFIRST FINANCIAL CORP2
  • CIK0001004702
  • Employer ID (EIN)22-341257715
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company15
  • Incorporated inDelaware15
  • Fiscal year endsDecember 312
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address975 Hooper Ave, Toms River, NJ 08753-83962
  • Mailing address975 Hooper Avenue, Toms River, NJ 087232
  • Phone73224045002
  • Shares outstanding96,645,219 as of Aug 3, 202613
  • Public float$977.6M as of Jun 30, 202515
  • AuditorDeloitte & Touche LLP, Philadelphia, Pennsylvania PCAOB ID 34; it also attests to the company’s internal control over financial reporting15
  • On EDGAR sinceMay 8, 19962
  • Filings1,789 in all: 4 (784), 8-K (341), 10-Q (91), SC 13G/A (91), 425 (64), 3 (47), 4/A (39), DEF 14A (31)2
    All 55 form types

    11-K (27), 10-K (24), SC 13G (24), CORRESP (20), UPLOAD (18), EFFECT (16), S-4/A (16), ARS (15), 424B3 (12), S-8 (12), 8-K/A (11), S-4 (10), 5 (8), DEFA14A (7), FWP (7), 10-K405 (6), 424B5 (6), SCHEDULE 13G (5), SCHEDULE 13G/A (5), 3/A (4), POS AM (4), S-3 (4), S-8 POS (4), SC 13D/A (4), 144 (3), 424B2 (2), 8-A12B (2), DEFR14A (2), NT 10-K (2), PRE 14A (2), S-3ASR (2), SC 13D (2), 10-K/A (1), 10-Q/A (1), 11-K/A (1), 25-NSE (1), 305B2 (1), 424B4 (1), 5/A (1), AW (1), CERT (1), DEFS14A (1), RW (1), S-1/A (1), S-3/A (1), SCHEDULE 13D (1), SCHEDULE 13D/A (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 27, 2026
    Latest 8-K (8-K) Jul 31, 2026

Securities registered for trading

ClassSymbolExchange
Common stock, $0.01 par value per shareOCFCNASDAQ

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).15

Risk factors and legal proceedings

The risks OceanFirst Bank names in Item 1A of its 10-K filed Feb 27, 2026: 17 risks under these headings, as written.15

  • Risks Related to the Pending Merger with Flushing and Investment from Warburg
  • Risks Related to Lending Activities
  • Risks Related to Economic Matters
  • Risks Related to Interest Rates
  • Risks Related to Acquisitions and Growth
  • Risks Related to Loan Sales
  • Risks Related to Laws and Regulations
  • Risks Related to Dividend Payments
  • Risks Related to Competition
  • Risks Related to Strategic Matters
  • Risks Related to Operational Matters
  • Risks Related to Accounting and Internal Controls Matters
The other 0 risks
  • Risks Related to Environmental and Other Global Matters
  • Risks Related to Card Networks
  • Other Risks Related to the Business
  • Federal Taxation
  • State and Local Taxation

Legal proceedings

The Company and the Bank are not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business. Such other routine legal proceedings in the aggregate are believed by management to be immaterial to the Company’s financial condition or results of operations.

The opening of Item 3, Legal Proceedings.15

Sources

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  82. 82
  83. 83
  84. 84