OceanFirst Financial Corp. operates as a holding company for OceanFirst Bank that provides community banking services to retail, government, and business customers. The company's deposit products include money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing accounts, and time deposits. Its loan portfolio comprises conventional first mortgage loans secured by one-to-four family residences, residential mortgage loans, commercial real estate loans, multi-family and land loans, and real estate construction loans; consumer loans, such as home equity loans and lines of credit; and commercial loans. In addition, it offers trust and asset management, and merchant check card services; and sells alternative investment products, including mutual funds, annuities, and life insurance. As of April 18, 2013, the company operated 24 branches located in Ocean, Monmouth, and Middlesex Counties, New Jersey. OceanFirst Financial Corp. was founded in 1902 and is based in Toms River, New Jersey.