OCFC / OceanFirst Financial Corp. - SEC-Einreichungen, Jahresbericht, Proxy Statement

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 OCEANFIRST FINANCIAL CORP Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common Stock, $0.

SECOND AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement

EX-4.4(c) Exhibit 4.4(c) SECOND AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement The Flushing Bank 401(k) Savings Plan, originally effective as of September I, 1987, as presently maintained under an amendment and restatement made effective as of January I, 2021, as amended, is hereby further amended effective as of February 4, 2024 at Section 16.4, “Notice Regarding F

As filed with the Securities and Exchange Commission on June 1, 2026

S-3 As filed with the Securities and Exchange Commission on June 1, 2026 Registration No.

FLUSHING BANK 401(K) SAVINGS PLAN (January 1, 2021 Restatement)

EX-4.4(a) Exhibit 4.4(a) FLUSHING BANK 401(K) SAVINGS PLAN (January 1, 2021 Restatement) TABLE OF CONTENTS PREAMBLE 1 ARTICLE I DEFINITIONS AND INTERPRETATION 2 1.1 PLAN DEFINITIONS 2 1.2 INTERPRETATION 13 ARTICLE II SERVICE 14 2.1 SPECIAL DEFINITIONS 14 2.2 CREDITING OF HOURS OF SERVICE 15 2.3 CREDITING OF “CONTINUOUS SERVICE” 15 2.4 CREDITING ELIGIBILITY SERVICE 15 2.5 VESTING SERVICE 16 2.6 CRE

As filed with the Securities and Exchange Commission on June 1, 2026

S-8 As filed with the Securities and Exchange Commission on June 1, 2026 Registration No.

Security Type

Calculation of Filing Fee Tables S-3 OCEANFIRST FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common stock, par value $0.

FLUSHING FINANCIAL CORPORATION 2024 OMNIBUS INCENTIVE PLAN

EX-4.4 Exhibit 4.4 FLUSHING FINANCIAL CORPORATION 2024 OMNIBUS INCENTIVE PLAN 1. Purpose. The purpose of this 2024 Omnibus Incentive Plan (the “Plan”) is to aid Flushing Financial Corporation, a Delaware corporation (together with its successors and assigns, the “Company”), in attracting, retaining, motivating and rewarding employees and non-employee directors of the Company and its subsidiaries a

FIRST AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement

EX-4.4(b) Exhibit 4.4(b) FIRST AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, as presently maintained under an amendment and restatement made effective as of January 1, 2021, is hereby further amended, effective as of June 1, 2022, in the following respects: 1. Section 1.1 of the Pl

THIRD AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement

EX-4.4(d) Exhibit 4.4(d) THIRD AMENDMENT TO THE FLUSHING BANK 401(k) SAVINGS PLAN January 1, 2021 Restatement The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, as presently maintained under an amendment and restatement made effective as of January 1, 2021, as amended, is hereby further amended effective as of August 15, 2024, in the following respects: 1. Section

As filed with the Securities and Exchange Commission on June 1, 2026

S-8 POS As filed with the Securities and Exchange Commission on June 1, 2026 Registration No.

WARRANT to purchase Shares of Non-Voting Common Equivalent Stock OceanFirst Financial Corp. a Delaware Corporation

EX-4.2 Exhibit 4.2 THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR QUALIFIED UNDER ANY STATE SECURITIES LAWS AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF UNLESS (I) A REGISTRATION STATEMENT RELATING THERETO IS EFFECTIVE UNDER THE ACT AND IS QUALIFIED UNDER APPLICABLE STATE SECURITIES LAWS OR (II) THE T

WARRANT to purchase Shares of Non-Voting Common Equivalent Stock OceanFirst Financial Corp. a Delaware Corporation

EX-4.1 Exhibit 4.1 THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR QUALIFIED UNDER ANY STATE SECURITIES LAWS AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF UNLESS (I) A REGISTRATION STATEMENT RELATING THERETO IS EFFECTIVE UNDER THE ACT AND IS QUALIFIED UNDER APPLICABLE STATE SECURITIES LAWS OR (II) THE T

CERTIFICATE OF DESIGNATIONS NON-VOTING COMMON EQUIVALENT STOCK OCEANFIRST FINANCIAL CORP.

EX-3.1 Exhibit 3.1 CERTIFICATE OF DESIGNATIONS OF NON-VOTING COMMON EQUIVALENT STOCK OF OCEANFIRST FINANCIAL CORP. OCEANFIRST FINANCIAL CORP., a corporation organized and existing under the General Corporation Law of the State of Delaware (the “Corporation”), in accordance with the provisions of Sections 103, 141 and 151 thereof, does hereby certify that: In accordance with the provisions of the C

REGISTRATION RIGHTS AGREEMENT by and among OCEANFIRST FINANCIAL CORP. WPGG 14 ORION INVESTMENTS L.P. WPFS II ORION INVESTMENTS L.P. Dated as of June 1, 2026

EX-10.2 Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT by and among OCEANFIRST FINANCIAL CORP. and WPGG 14 ORION INVESTMENTS L.P. WPFS II ORION INVESTMENTS L.P. Dated as of June 1, 2026 Table of Contents Page Section 1. Definitions 1 Section 2. Registration Rights 5 (a) Shelf Registration Statement 5 (b) Right to Request Shelf Take-Down 6 (c) Demand Registration Statement if Shelf Registration Stateme

OCEANFIRST FINANCIAL CORP. COMPLETES MERGER WITH FLUSHING FINANCIAL CORPORATION AND $225 MILLION STRATEGIC INVESTMENT FROM WARBURG PINCUS

EX-99.4 Exhibit 99.4 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. COMPLETES MERGER WITH FLUSHING FINANCIAL CORPORATION AND $225 MILLION STRATEGIC INVESTMENT FROM WARBURG PINCUS RED BANK, N.J. June 1, 2026. OceanFirst Financial Corp. (NASDAQ: “OCFC”) (“

UNAUDITED PRO FORMA CONDENSED COMBINED CONSOLIDATED FINANCIAL INFORMATION

EX-99.3 Exhibit 99.3 UNAUDITED PRO FORMA CONDENSED COMBINED CONSOLIDATED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial information is prepared in accordance with Article 11 of Regulation S-X and presented to illustrate the estimated effects of the accounting for the mergers and equity financing based on the historical consolidated financial statements and acc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): June 1, 2026 OCEANFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): June 1, 2026 OCEANFIRST FINANCIAL CORP. (Exact name of Registrant as specified in its charter) Delaware 001-11713 22-3412577 (State or other jurisdiction of incorporation or organizat

OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN [FORM OF] INCENTIVE STOCK OPTION AWARD AGREEMENT GRANT OF [●]

Exhibit 10.5 OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN [FORM OF] INCENTIVE STOCK OPTION AWARD AGREEMENT GRANT OF [●] Name of Recipient: [●] Number of Shares Subject to this Option: [●] Exercise Price per Share: [●] Type of Option: Incentive Stock Option Option Term/Expiration Date: [●] Payment of Exercise Price: The Exercise Price may be paid by delivery of any combination of: (i) cash

OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN [FORM OF] NON-QUALIFIED STOCK OPTION AWARD AGREEMENT GRANT OF [●]

Exhibit 10.6 OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN [FORM OF] NON-QUALIFIED STOCK OPTION AWARD AGREEMENT GRANT OF [●] Name of Recipient: [●] Number of Shares Subject to this Option: [●] Exercise Price per Share: $[●] Type of Option: Non-Qualified Stock Option Option Term/Expiration Date: [●] Payment of Exercise Price: The Exercise Price may be paid by delivery of any combination of:

OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF PERFORMANCE BASED RESTRICTED STOCK AWARD AGREEMENT Distribution: The certificate and/or electronic record evidencing the Recipient’s ownership of the Shares subject to this Stock Award shal

Exhibit 10.3 OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF PERFORMANCE BASED RESTRICTED STOCK AWARD AGREEMENT Name of Recipient: [*] Total Stock Award: [*] Shares Vesting: This Performance Based Stock Award (the “Stock Award”) is subject to the time based and performance based conditions set forth in Exhibits A and B to this Performance Based Stock Award Agreement (the “Award Agreem

As filed with the Securities and Exchange Commission on May 28, 2026 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 OCEANFIRST FINANCIAL CORP. (Exact name of registrant

Registration No.333- As filed with the Securities and Exchange Commission on May 28, 2026 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 OCEANFIRST FINANCIAL CORP. (Exact name of registrant as specified in its charter) Delaware 22-3412577 (State or other jurisdiction of incorporation or organization) (IRS Emplo

OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF TIME BASED RESTRICTED STOCK AWARD AGREEMENT

Exhibit 10.2 OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF TIME BASED RESTRICTED STOCK AWARD AGREEMENT Name of Recipient: [*] Total Stock Award: [*] Installment Schedule: [*]% for first year, [*]% each year thereafter, [*] year vesting schedule 1st installment [xx] 2nd installment [xx] 3rd installment [xx] 4th installment [xx] Vesting Schedule: Installments are annual and commence w

Calculation of Filing Fee Tables Form S-8 (Form Type) OceanFirst Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

EXHIBIT 107 Calculation of Filing Fee Tables Form S-8 (Form Type) OceanFirst Financial Corp.

OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF TIME BASED RESTRICTED STOCK UNIT AWARD AGREEMENT

Exhibit 10.4 OCEANFIRST FINANCIAL CORP. 2026 STOCK INCENTIVE PLAN FORM OF TIME BASED RESTRICTED STOCK UNIT AWARD AGREEMENT Name of Recipient: [*] Total Restricted Stock Units: [*] Installment Schedule: [*]% for first year, [*]% each year thereafter, [*] year vesting schedule 1st installment [xx] 2nd installment [xx] 3rd installment [xx] 4th installment [xx] Vesting Schedule: Installments are annua

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 28, 2026 OCEANFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 28, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) x Filed by the Registrant ☐ Filed by a party other than the Registrant Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Investor Presentation(1) May 2026 (1) The Q1 2026 Investor Presentation should be read in conjunction with the Earnings Release furnished as

ex991-investorpresentati . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Investor Presentation(1) May 2026 (1) The Q1 2026 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on April 23, 2026. OCEANFIRST BANK | M a y 1, 2026 Exhibit 99.1 . . . 0-51-14

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending March 31, 2026 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 1, 2026 OCEANFIRST FINANCIAL CORP. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 1, 2026 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF ALL REQUISITE REGULATORY AND SHAREHOLDER APPROVALS TO COMPLETE PROPOSED MERGER AND ANNUAL MEETING DATE

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF ALL REQUISITE REGULATORY AND SHAREHOLDER APPROVALS TO COMPLETE PROPOSED MERGER AND ANNUAL MEETING DATE RED BANK, N.J. and UNI

OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF ALL REQUISITE REGULATORY AND SHAREHOLDER APPROVALS TO COMPLETE PROPOSED MERGER AND ANNUAL MEETING DATE

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF ALL REQUISITE REGULATORY AND SHAREHOLDER APPROVALS TO COMPLETE PROPOSED MERGER AND ANNUAL MEETING DATE RED BANK, N.J. and UNI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14

DEFINITIVE PROXY STATEMENT

Christopher D. Maher April 27, 2026 Dear Fellow Stockholder, On behalf of your Board of Directors, it is my pleasure to invite you to our upcoming Annual Meeting of Stockholders (the “Annual Meeting”). We, also, thank you for your overwhelming approval of our plans to acquire Flushing Financial Corporation (“FFIC”), and participation in the corresponding Special Stockholder Meeting held just a few

ARS

2025 ANNUAL REPORT Investing in Opportunity As a financial institution that has grown and thrived over the past 30 years—and has been in existence for well over a century—OceanFirst has a proud history of investing in people, products, and technology—along with a sharp focus on deep personal client relationships, exceptional customer service, and prudent capital and risk management.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2026 OCEANFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2026 OCEANFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 23, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 23, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 23, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 23, 2026 OCEANFIRST FINANCIAL CORP.

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Q1 2026 Earnings Release Supplement (1) April 2026 (1) The Q1 2026 Earnings Release Supplement should be read in conjunction with the Earning

ex992q12026-earningsrele . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Q1 2026 Earnings Release Supplement (1) April 2026 (1) The Q1 2026 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on April 23, 2026. OCEANFIRST BANK | A p r i l 2 3 , 2

OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, April 23, 2026 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Q1 2026 Earnings Release Supplement (1) April 2026 (1) The Q1 2026 Earnings Release Supplement should be read in conjunction with the Earning

ex992q12026-earningsrele . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Q1 2026 Earnings Release Supplement (1) April 2026 (1) The Q1 2026 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on April 23, 2026. OCEANFIRST BANK | A p r i l 2 3 , 2

OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, April 23, 2026 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 15, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 15, 2026 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR COMMON STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR COMMON STOCK RED BANK, NEW JERSEY, April 15, 2026 - OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), announced that its Board

OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF THE REQUISITE SHAREHOLDER APPROVALS FOR PENDING MERGER TRANSACTION

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF THE REQUISITE SHAREHOLDER APPROVALS FOR PENDING MERGER TRANSACTION RED BANK, N.J. and UNIONDALE, N.Y. April 6, 2026. OceanFir

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 2, 2026 OCEANFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 2, 2026 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 2, 2026 OCEANFIRST FINANCIAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 2, 2026 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF THE REQUISITE SHAREHOLDER APPROVALS FOR PENDING MERGER TRANSACTION

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. AND FLUSHING FINANCIAL CORPORATION ANNOUNCE RECEIPT OF THE REQUISITE SHAREHOLDER APPROVALS FOR PENDING MERGER TRANSACTION RED BANK, N.J. and UNIONDALE, N.Y. April 6, 2026. OceanFir

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to .

To the Stockholders of OceanFirst Financial Corp. and the Stockholders of Flushing Financial Corporation MERGER AND SHARE ISSUANCE PROPOSED—YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration Statement No.

OCEANFIRST FINANCIAL CORP. 110 West Front Street Red Bank, New Jersey 07701 (732) 240-4500

CORRESP OCEANFIRST FINANCIAL CORP. 110 West Front Street Red Bank, New Jersey 07701 (732) 240-4500 February 23, 2026 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, NE Washington, D.C. 20549-3628 Attention: Madeleine Joy Mateo Re: OceanFirst Financial Corp. (the “Company”) Amendment No. 1 to Registration Statement on Form S-4/A (Fil

CONSENT OF KEEFE, BRUYETTE & WOODS, INC.

EX-99.4 Exhibit 99.4 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of OceanFirst Financial Corp. (“OceanFirst”), as Annex G to the joint proxy statement/prospectus which forms a part of Amendment No. 1 to the Registration Statement on Form S-4 (Registration No. 333-293282) filed on the date hereof (the “Amended Registrat

SCAN TO VIEW MATERIALS & VOTE FLUSHING FINANCIAL CORPORATION 220 RXR PLAZA UNIONDALE, NY 11556 ATTN: SUSAN K. CULLEN VOTE BY INTERNET Before The Meeting - Go to www.proxyvote.com or scan the QR Barcode above Use the Internet to transmit your voting i

EX-99.1 Exhibit 99.1 SCAN TO VIEW MATERIALS & VOTE FLUSHING FINANCIAL CORPORATION 220 RXR PLAZA UNIONDALE, NY 11556 ATTN: SUSAN K. CULLEN VOTE BY INTERNET Before The Meeting - Go to www.proxyvote.com or scan the QR Barcode above Use the Internet to transmit your voting instructions and for electronic delivery of information up until 11:59 p.m., Eastern Time, on April 1, 2026. Have your proxy card

As filed with the Securities and Exchange Commission on February 23, 2026

S-4/A Table of Contents As filed with the Securities and Exchange Commission on February 23, 2026 Registration No.

OCEANFIRST FINANCIAL CORP. C/O BROADRIDGE CORPORATE ISSUER SOLUTIONS P.O. BOX 1342 BRENTWOOD, NY 11717 Investor Address Line 1 Investor Address Line 2 Investor Address Line 3 Investor Address Line 4 Investor Address Line 5 John Sample 1234 ANYWHERE S

EX-99.2 Exhibit 99.2 OCEANFIRST FINANCIAL CORP. C/O BROADRIDGE CORPORATE ISSUER SOLUTIONS P.O. BOX 1342 BRENTWOOD, NY 11717 Investor Address Line 1 Investor Address Line 2 Investor Address Line 3 Investor Address Line 4 Investor Address Line 5 John Sample 1234 ANYWHERE STREET ANY CITY, ON A1A 1A1 1 OF 2 1 1 SCAN TO VIEW MATERIALS & VOTE VOTE BY INTERNET—www.proxyvote.com or scan the QR Barcode abo

CONSENT OF PIPER SANDLER & CO.

EX-99.3 Exhibit 99.3 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Flushing Financial Corporation (the “Company”) as an Annex to the Joint Proxy Statement/Prospectus relating to the pr

LETTER

February 12, 2026 Christopher D. Maher Chief Executive Officer OceanFirst Financial Corp. 110 West Front Street Red Bank, NJ 07701 Re: OceanFirst Financial Corp. Registration Statement on Form S-4 Filed February 6, 2026 File No. 333-293282 Dear Christopher D. Maher: This is to advise you that we have not reviewed and will not review your registration statement. Please refer to Rules 460 and 461 re

CONSENT OF KEEFE, BRUYETTE & WOODS, INC.

EX-99.4 Exhibit 99.4 CONSENT OF KEEFE, BRUYETTE & WOODS, INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of OceanFirst Financial Corp. (“OceanFirst”), as Annex G to the joint proxy statement/prospectus which forms a part of the Registration Statement on Form S-4 filed on the date hereof (the “Registration Statement”) relating to the proposed merger of Apollo

CONSENT OF PIPER SANDLER & CO.

EX-99.3 Exhibit 99.3 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Flushing Financial Corporation (the “Company”) as an Annex to the Joint Proxy Statement/Prospectus relating to the pr

CONSENT OF PROSPECTIVE DIRECTOR

EX-99.5 Exhibit 99.5 CONSENT OF PROSPECTIVE DIRECTOR In accordance with Rule 438 promulgated under the Securities Act of 1933, as amended, I hereby consent to my being named in the Registration Statement on Form S-4, to which this consent is an exhibit, filed by OceanFirst Financial Corp. (the “Registrant”) with the U.S. Securities and Exchange Commission, and all amendments (including post-effect

Security Type

Calculation of Filing Fee Tables S-4 OCEANFIRST FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common Stock, par value $0.

As filed with the Securities and Exchange Commission on February 6, 2026

S-4 Table of Contents As filed with the Securities and Exchange Commission on February 6, 2026 Registration No.

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Investor Presentation(1) January 2026 (1) The 4Q 2025 Investor Presentation should be read in conjunction with the Earnings Release furnished

ex991-investorpresentati . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. Investor Presentation(1) January 2026 (1) The 4Q 2025 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on January 22, 2026. OCEANFIRST BANK Exhibit 99.1 . . . 0-51-141 0-171-23

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 29, 2026 OCEANFIRST FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 29, 2026 OCEANFIRST FINANCIAL CORP.

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. 4Q 2025 Earnings Release Supplement(1) January 2026 (1) The 4Q 2025 Earnings Release Supplement should be read in conjunction with the Earnin

ex992q42025-earningsrele . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. 4Q 2025 Earnings Release Supplement(1) January 2026 (1) The 4Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on January 22, 2026. OCEANFIRST BANK | J a n u a r y

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 22, 2026 OCEANFIRST FINANCI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 22, 2026 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS RED BANK, NEW JERSEY, January 22, 2026 - OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the holding company for

. . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. 4Q 2025 Earnings Release Supplement(1) January 2026 (1) The 4Q 2025 Earnings Release Supplement should be read in conjunction with the Earnin

ex992q42025-earningsrele . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 1 OceanFirst Bank OceanFirst Financial Corp. 4Q 2025 Earnings Release Supplement(1) January 2026 (1) The 4Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on January 22, 2026. OCEANFIRST BANK | J a n u a r y

OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS RED BANK, NEW JERSEY, January 22, 2026 - OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the holding company for

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 22, 2026 OCEANFIRST FINANCI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 22, 2026 OCEANFIRST FINANCIAL CORP.

INVESTMENT AGREEMENT by and between OCEANFIRST FINANCIAL CORP., WPGG 14 ORION L.P. WPFS II ORION L.P. Dated as of December 29, 2025

EX-10.2 Exhibit 10.2 INVESTMENT AGREEMENT by and between OCEANFIRST FINANCIAL CORP., WPGG 14 ORION L.P. and WPFS II ORION L.P. Dated as of December 29, 2025 TABLE OF CONTENTS Page ARTICLE I PURCHASE; CLOSING 2 Section 1.1 Purchase 2 Section 1.2 Closing 3 ARTICLE II REPRESENTATIONS AND WARRANTIES 8 Section 2.1 Material Adverse Effect 8 Section 2.2 Representations and Warranties of OCFC 9 Section 2.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINANCIAL CORP. (Exact name of Registrant as specified in its charter) Delaware 001-11713 22-3412577 (State or other jurisdiction of incorporation or orga

VOTING AND SUPPORT AGREEMENT

EX-10.1 Exhibit 10.1 FORM VOTING AND SUPPORT AGREEMENT This VOTING AND SUPPORT AGREEMENT, dated as of December 29, 2025 (this “Agreement”), is by and between OceanFirst Financial Corp., a Delaware corporation (“Parent”), and the undersigned stockholder (the “Stockholder”) of Flushing Financial Corporation, a Delaware corporation (the “Company”). Each of Parent and the Stockholder are sometimes ref

AGREEMENT AND PLAN OF MERGER by and among OCEANFIRST FINANCIAL CORP., APOLLO MERGER SUB CORP. FLUSHING FINANCIAL CORPORATION Dated as of December 29, 2025

EX-2.1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among OCEANFIRST FINANCIAL CORP., APOLLO MERGER SUB CORP. and FLUSHING FINANCIAL CORPORATION Dated as of December 29, 2025 TABLE OF CONTENTS Page ARTICLE I THE MERGERS 2 1.1 The Mergers; Effective Time 2 1.2 Closing 3 1.3 Effects of the Mergers 3 1.4 Effects of First-Step Merger on Merger Sub Common Stock 3 1.5 Conversion of Company Common Sto

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINA

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINANCIAL CORP. (Exact name of Registrant as specified in its charter) Delaware 001-11713 22-3412577 (State or other jurisdiction of incorporation or

Page 1 of 18

425 Filed by OceanFirst Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Flushing Financial Corporation SEC File No.: 001-33013 On December 30, 2025, OceanFirst Financial Corp. held a conference call regarding its proposed acquisition of Flushing Financial Corporation. During th

1

425 Filed by OceanFirst Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Flushing Financial Corporation SEC File No.: 001-33013 On December 30, 2025, OceanFirst Financial Corp. released a town hall presentation to its employees regarding its proposed acquisition of Flushing Fina

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINA

425 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINANCIAL CORP. (Exact name of Registrant as specified in its charter) Delaware 001-11713 22-3412577 (State or other jurisdiction of incorporation or

OceanFirst Financial Corp. and Flushing Financial Corporation Announce Merger Agreement and $225 Million Strategic Investment from Warburg Pincus

EX-99.2 Exhibit 99.2 Company Contact: Patrick C. Barrett Chief Financial Officer OceanFirst Financial Corp. 1.888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OceanFirst Financial Corp. and Flushing Financial Corporation Announce Merger Agreement and $225 Million Strategic Investment from Warburg Pincus • Creates a scaled, high performing regional bank with $23 billion

December 29, 2025 OceanFirst Financial Corp. Announces Agreement to Acquire Flushing Financial Corporation

EX-99.1 Exhibit 99.1 December 29, 2025 OceanFirst Financial Corp. Announces Agreement to Acquire Flushing Financial Corporation Legal .Disclaimer . . Cautionary Note Regarding Forward-Looking Statements This document contains certain forward-looking statements within the meaning of the federal securities laws with respect to the proposed transaction between OceanFirst Financial Corp. (“OceanFirst”

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported): December 29, 2025 OCEANFIRST FINANCIAL CORP. (Exact name of Registrant as specified in its charter) Delaware 001-11713 22-3412577 (State or other jurisdiction of incorporation or orga

Filed by OceanFirst Financial Corp.

425 Filed by OceanFirst Financial Corp. pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Flushing Financial Corporation SEC File No.: 001-33013 FOR EMPLOYEE INFORMATION ONLY December 29, 2025 For employees of OceanFirst Bank, N.A. and Flushing Bank OceanFirst Financial Corp. (NASDAQ: OCFC) and

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending September 30, 2025 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 27, 2025 OCEANFIRST FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 27, 2025 OCEANFIRST FINANCIAL CORP.

FIRST SUPPLEMENTAL INDENTURE OCEANFIRST FINANCIAL CORP. WILMINGTON TRUST, NATIONAL ASSOCIATION DATED AS OF OCTOBER 29, 2025 First Supplemental Indenture dated as of October 29, 2025 (Subordinated Debt Securities)

EX-4.2 Exhibit 4.2 FIRST SUPPLEMENTAL INDENTURE between OCEANFIRST FINANCIAL CORP. AND WILMINGTON TRUST, NATIONAL ASSOCIATION DATED AS OF OCTOBER 29, 2025 First Supplemental Indenture dated as of October 29, 2025 (Subordinated Debt Securities) FIRST SUPPLEMENTAL INDENTURE, dated as of October 29, 2025 (this “Supplemental Indenture”), between OCEAN FIRST FINANCIAL CORP., a Delaware corporation (the

$185,000,000 6.375% Fixed to Floating Rate Subordinated Notes due 2035 OCEANFIRST FINANCIAL CORP. UNDERWRITING AGREEMENT

EX-1.1 Exhibit 1.1 Execution Version $185,000,000 6.375% Fixed to Floating Rate Subordinated Notes due 2035 OCEANFIRST FINANCIAL CORP. UNDERWRITING AGREEMENT October 27, 2025 Piper Sandler & Co. Keefe, Bruyette & Woods, Inc. As Representatives of the several Underwriters named in Schedule I hereto c/o Piper Sandler Companies 1251 Avenue of the Americas, 6th Floor New York, New York 10020 c/o Keefe

OCEANFIRST FINANCIAL CORP. ANNOUNCES PRICING OF SUBORDINATED NOTES OFFERING

EX-99.1 Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. 888.623.2633 ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES PRICING OF SUBORDINATED NOTES OFFERING RED BANK, NEW JERSEY, October 27, 2025…OceanFirst Financial Corp. (Nasdaq: “OCFC”) (the “Company”), the holding company for OceanFirst Bank

OCEANFIRST FINANCIAL CORP. Dated as of October 29, 2025 WILMINGTON TRUST, NATIONAL ASSOCIATION

EX-4.1 Exhibit 4.1 OCEANFIRST FINANCIAL CORP. INDENTURE Dated as of October 29, 2025 WILMINGTON TRUST, NATIONAL ASSOCIATION Trustee Reconciliation and tie between Trust Indenture Act of 1939 and Indenture* Trust Indenture Act Section Indenture Section § 310(a) 11.04(a), 16.02 (b) 11.01(f), 11.04(b), 11.05(1), 16.02 (b)(1) 11.04(b), 16.02 § 311 11.01(f), 16.02 § 312 14.02(d), 16.02 (b) 11.10, 16.02

Security Type

Calculation of Filing Fee Tables S-3 OCEANFIRST FINANCIAL CORP Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 6.

$185,000,000 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-282711 PROSPECTUS SUPPLEMENT (To Prospectus dated October 18, 2024) $185,000,000 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035 We are offering $185,000,000 aggregate principal amount of 6.375% fixed-to-floating rate subordinated notes due 2035 (the “Notes”) pursuant to this prospectus supplement and the accom

Filed Pursuant to Rule 433

FWP Filed Pursuant to Rule 433 Supplementing the Preliminary Prospectus Supplement Dated October 27, 2025 Registration No.

TERM SHEET 6.375% Fixed to Floating Rate Subordinated Notes due 2035 PRICING TERM SHEET Issuer: OceanFirst Financial Corp. (the “Company”) Security: 6.375% Fixed to Floating Rate Subordinated Notes due 2035 (the “Notes”) Aggregate Principal Amount: $

FWP Issuer Free Writing Prospectus Filed pursuant to Rule 433 Supplementing the Preliminary Prospectus Supplement, dated October 27, 2025 Registration No.

SUBJECT TO COMPLETION, DATED OCTOBER 27, 2025

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-282711 The information in this preliminary prospectus supplement is not complete and may be changed. A registration statement relating to the securities to be sold by the issuer has become effective under the Securities Act of 1933, as amended. This preliminary prospectus supplement and the accompanying base prospectus d

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 22, 2025 OCEANFIRST FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 22, 2025 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 22, 2025 OCEANFIRST FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 22, 2025 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, October 22, 2025 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirs

. . . (1) The 3Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on October 22, 2025. OceanFirst Financial Corp. 3Q 2025 Earnings Release Supplement

ex992q32025-earningsrele . . . (1) The 3Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to the Form 8-K filed with the SEC on October 22, 2025. OceanFirst Financial Corp. 3Q 2025 Earnings Release Supplement(1) October 2025 Exhibit 99.2 . . . 0-51-141 0-171-232 0-169-83 0-176-80 238-112-8 144-187-35 Legal Disclaimer FORWARD LOOKIN

. . . OceanFirst Financial Corp. Fixed Income Investor Presentation October 2025 Exhibit 99.1 . . .Legal Disclaimer REGISTRATION STATEMENT; NO OFFER OR SOLICITATION. This presentation is neither an offer to sell nor a solicitation of an offer to purc

ex991ocfc-fixedincomeinv . . . OceanFirst Financial Corp. Fixed Income Investor Presentation October 2025 Exhibit 99.1 . . .Legal Disclaimer REGISTRATION STATEMENT; NO OFFER OR SOLICITATION. This presentation is neither an offer to sell nor a solicitation of an offer to purchase any securities of OceanFirst Financial Corp. (the “Company”). If the Company were to conduct an offering of securities i

. . . (1) The 2Q 2025 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 24, 2025, and the Quarterly Report on Form 10-Q filed with the SEC on August 4, 2025.

ex991investorpresentatio . . . (1) The 2Q 2025 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 24, 2025, and the Quarterly Report on Form 10-Q filed with the SEC on August 4, 2025. OceanFirst Financial Corp. Investor Presentation(1) September 2025 Exhibit 99.1 . . .Legal Disclaimer FORWARD LOOKING STATEM

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 OCEANFIRST FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 2, 2025 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending June 30, 2025 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 24, 2025 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 24, 2025 OCEANFIRST FINANCIAL CORP.

. . . (1) The 2Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 24, 2025. OceanFirst Financial Corp. 2Q 2025 Earnings Release Supplement(1) Jul

ex992q22025-earningsrele . . . (1) The 2Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 24, 2025. OceanFirst Financial Corp. 2Q 2025 Earnings Release Supplement(1) July 2025 Exhibit 99.2 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this presentatio

OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, July 24, 2025 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 15, 2025 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 15, 2025 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES 2025 STOCK REPURCHASE PROGRAM

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES 2025 STOCK REPURCHASE PROGRAM RED BANK, NEW JERSEY, July 16, 2025—OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), the holding company for OceanFirst Ba

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024. OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11713 A. Full title of the plan and the addre

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 19, 2025 OCEANFIRST FINANCIAL CORP.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending March 31, 2025 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 24, 2025 OCEANFIRST FINANCIAL CORP.

. . . (1) The 1Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 24, 2025. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2025 Earnings Release Sup

. . . (1) The 1Q 2025 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 24, 2025. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2025 Earnings Release Supplement(1) April 2025 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this presentation contains certain forw

OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, April 24, 2025 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2025 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK RED BANK, NEW JERSEY, April 18, 2025 - OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), announced th

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. )

OceanFirst Financial Corp - DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No.

ARS

Connecting Customers, Communities and Capital 2024 Annual ReportOceanFirst takes great pride in the connections we make.

OCEANFIRST BANK AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT ACCOUNT AGREEMENT

Exhibit 10.1 OCEANFIRST BANK AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT ACCOUNT AGREEMENT This AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT ACCOUNT AGREEMENT (this “Agreement”) is entered into as of this 28th day of March 2025, by and between OceanFirst Bank, N.A., a national bank (the “Bank”), and Christopher D. Maher (the “Executive”), currently serving as Chairman and Chie

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 28, 2025 OCEANFIRST FINANCIAL CORP.

Insider Trading Policy November 13 2024 Policies and procedures regarding insider trading and transactions, directors’ and proxy officers’ stock ownership guidelines and confidentiality of proprietary information.

Exhibit 19.0 Insider Trading Policy November 13 2024 Policies and procedures regarding insider trading and transactions, directors’ and proxy officers’ stock ownership guidelines and confidentiality of proprietary information. 1 Contents I. INTRODUCTION 3 II. PROHIBITION AGAINST TRADING WHILE IN POSSESSION OF UNDISCLOSED MATERIAL INFORMATION 3 III. “WINDOW” PERIOD POLICY FOR TRADING WHILE NOT IN P

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to .

EX-24

EX-24 2 PowerOfAttorney.txt POWER OF ATTORNEY The undersigned, BlackRock, Inc., a corporation duly organized under the laws of the State of Delaware, United States (the "Company"), does hereby make, constitute and appoint each of Eric Andruczyk, Richard Cundiff, R. Andrew Dickson, III, Spencer Fleming, Laura Hildner, David Maryles, Christopher Meade, Charles Park, James Raby, Daniel Riemer, David

EX-99

EX-99 3 Item7.txt ITEM 7 BlackRock (Netherlands) B.V. BlackRock Advisors, LLC BlackRock Asset Management Canada Limited BlackRock Asset Management Ireland Limited BlackRock Asset Management Schweiz AG BlackRock Financial Management, Inc. BlackRock Fund Advisors BlackRock Fund Managers Ltd BlackRock Institutional Trust Company, National Association BlackRock Investment Management (Australia) Limite

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 23, 2025 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL FINANCIAL RESULTS RED BANK, NEW JERSEY, January 23, 2025 - OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the holding company for

. . . (1) The 4Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 23, 2025. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2024 Earnings Release S

. . . (1) The 4Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 23, 2025. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2024 Earnings Release Supplement(1) January 2025 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this presentation contains certain

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK RED BANK, NEW JERSEY, January 21, 2025 - OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), announced

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 21, 2025 OCEANFIRST FINANCIAL CORP.

. . . 1 The 3Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 17, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on October 31, 202

. . . 1 The 3Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 17, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on October 31, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 November 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to histo

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 6, 2024 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending September 30, 2024 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350

OCEANFIRST FINANCIAL CORP. Dated as of WILMINGTON TRUST, NATIONAL ASSOCIATION Reconciliation and tie between Trust Indenture Act of 1939 and Indenture* Trust Indenture Act Section Indenture Section § 310(a) 11.04(a), 16.02 (b) 11.01(f), 11.04(b), 11.

Exhibit 4.10 OCEANFIRST FINANCIAL CORP. INDENTURE Dated as of WILMINGTON TRUST, NATIONAL ASSOCIATION Trustee Reconciliation and tie between Trust Indenture Act of 1939 and Indenture* Trust Indenture Act Section Indenture Section § 310(a) 11.04(a), 16.02 (b) 11.01(f), 11.04(b), 11.05(1), 16.02 (b)(1) 11.04(b), 16.02 § 311 11.01(f), 16.02 § 312 14.02(d), 16.02 (b) 11.10, 16.02 (c) 11.10, 16.02 § 313

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 o Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) WILMINGTON TRUST, NATIONAL ASSOCIATION (Exact name of trustee as specified

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 o Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) WILMINGTON TRUST, NATIONAL ASSOCIATION (Exact name of trustee as specified in its charter) 16-1486454 (I.R.S employer identification no.) 1100 North Market Street Wilmington, DE 19890-0001 (Address of principal e

As filed with the Securities and Exchange Commission on October 18, 2024

As filed with the Securities and Exchange Commission on October 18, 2024 Registration No.

Calculation of Filing Fee Tables Form S-3 (Form Type) OceanFirst Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities

EXHIBIT 107.1 Calculation of Filing Fee Tables Form S-3 (Form Type) OceanFirst Financial Corp. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title* Fee Calculation Rule Amount Registered (1) Proposed Maximum Aggregate Offering Price Per Share (1) Maximum Aggregate Offering Price (2) Fee Rate (2) Amount of Registration Fee (

. . . 1 The 3Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 17, 2024. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2024 Earnings Release Sup

. . . 1 The 3Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 17, 2024. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2024 Earnings Release Supplement1 October 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forw

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 17, 2024 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, October 17, 2024 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirs

OceanFirst Bank Announces Voluntary Settlement of Fair Lending Claims by the U.S. Department of Justice and U.S. Department of Housing and Urban Development Agrees to Commit $14 Million in Residential Lending Subsidy Programs in New Brunswick Area

Press Release Exhibit 99.1 Company Contact: Jill Apito Hewitt Director Corporate Communications OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27513 Email: [email protected] FOR IMMEDIATE RELEASE OceanFirst Bank Announces Voluntary Settlement of Fair Lending Claims by the U.S. Department of Justice and U.S. Department of Housing and Urban Development Agrees to Commit $14 Million in Resi

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 18, 2024 OCEANFIRST FINANCIAL CORP.

. . . 1 The 2Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 18, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on August 1, 2024. Ex

. . . 1 The 2Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 18, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on August 1, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 September 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historica

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 3, 2024 OCEANFIRST FINANCIAL CORP.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending June 30, 2024 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

. . . 1 The 2Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2024 Earnings Release Supple

. . . 1 The 2Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2024 Earnings Release Supplement1 July 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-lo

OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, July 18, 2024 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 18, 2024 OCEANFIRST FINANCIAL CORP.

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023. OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11713 A. Full title of the plan and the addre

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 21, 2024 OCEANFIRST FINANCIAL CORP.

. . . 1 The 1Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 18, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on May 2, 2024. Exhi

. . . 1 The 1Q 2024 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 18, 2024 and the Quarterly Report on Form 10-Q filed with the SEC on May 2, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 May 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical inform

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 17, 2024 OCEANFIRST FINANCIAL CORP.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending March 31, 2024 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, April 18, 2024 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst

. . . 1 The 1Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2024 Earnings Release Suppl

. . . 1 The 1Q 2024 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2024 Earnings Release Supplement1 April 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2024 OCEANFIRST FINANCIAL CORP.

Message from our Chairman NOTICE of 2024 Annual Meeting of Stockholders Proxy Summary Corporate Governance Stockholder-Recommended Director Nominations Proposal 1 Election of Directors Stock Ownership Delinquent Section 16(a) Reports Senior Executive

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No.

ARS

2023 ANNUAL REPORTFINANCIAL SUMMARY 2023 Deposits: 10.4 9.7 9.7 9.4 6.3 Loan Receivable : 10.1 9.9 8.6 7.7 6.2 Total assets : 13.5 13.1 11.7 11.4 8.2 0 2 4 6 8 10 12 0 5 10 15 20 25 30 0 2 4 6 8 10 $12 ’23 ’22 ’21 ’20 ’19 DEPOSITS ($ in billions) 0 2 4 6 8 10 $12 ’23 ’22 ’21 ’20 ’19 LOANS RECEIVABLE (Net of allowance for loan credit losses) ($ in billions) DEPOSITS ($ in billions) 0 2 4 6 8 10 12

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to .

Clawback Policy for Executive Officers OceanFirst Bank November 8th, 2023 The purpose of this Policy is to provide for the recovery for erroneous compensation in the event of an accounting restatement.

Exhibit 97 Clawback Policy for Executive Officers OceanFirst Bank November 8th, 2023 The purpose of this Policy is to provide for the recovery for erroneous compensation in the event of an accounting restatement.

. . . 1 The 4Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 February 20

. . . 1 The 4Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 February 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-looking stateme

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 14, 2024 OCEANFIRST FINANCIAL CORP.

OCFC / OceanFirst Financial Corp. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01588-oceanfirstfinancialc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: OceanFirst Financial Corp Title of Class of Securities: Common Stock CUSIP Number: 675234108 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box

OCFC / OceanFirst Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* OceanFirst Financial Corp (Name of Issuer) Common Stock (Title of Class of Securities) 675234108 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which t

. . . 1 The 4Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 January 202

. . . 1 The 4Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation1 January 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-looking statemen

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 26, 2024 OCEANFIRST FINANCIAL CORP.

OCFC / OceanFirst Financial Corp. / BlackRock Inc. Passive Investment

us6752341080012324.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 14) OCEANFIRST FINANCIAL CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 675234108 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 18, 2024 OCEANFIRST FINANCI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 18, 2024 OCEANFIRST FINANCIAL CORP.

. . . 1 The 4Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2023 Earnings Release Sup

ex992q4-23earningsreleas . . . 1 The 4Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 18, 2024. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2023 Earnings Release Supplement1 January 2024 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news rele

OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL EARNINGS AND FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES QUARTERLY AND ANNUAL EARNINGS AND FINANCIAL RESULTS RED BANK, NEW JERSEY, January 18, 2024 - OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the holding

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending September 30, 2023 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 31, 2023 OCEANFIRST FINANCIAL CORP.

. . . 1 The 3Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 19, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation October 2023

. . . 1 The 3Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 19, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation October 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-looking statement

OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, October 19, 2023 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirs

. . . 1 The 3Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 19, 2023. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2023 Earnings Release Sup

. . . 1 The 3Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 19, 2023. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2023 Earnings Release Supplement1 October 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forw

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 19, 2023 OCEANFIRST FINANCIAL CORP.

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 18, 2023 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ENHANCES BOARD AND ANNOUNCES CHIEF RISK OFFICER TRANSITION

Press Release Exhibit 99.1 FOR IMMEDIATE RELEASE Company Contact: Jill Hewitt Senior Vice President OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 27513 Email: [email protected] OCEANFIRST FINANCIAL CORP. ENHANCES BOARD AND ANNOUNCES CHIEF RISK OFFICER TRANSITION RED BANK, NEW JERSEY, September 19, 2023 - OceanFirst Financial Corp. (NASDAQ:OCFC) today announced the appointment of three

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 14, 2023 OCEANFIRST FINANCIAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 14, 2023 OCEANFIRST FINANCIAL CORP.

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 31, 2023 OCEANFIRST FINANCIAL CORP.

. . . The 2Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 20, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation August 2023 . . .

ex991august2023ocfcinves . . . The 2Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 20, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation August 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forwar

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending June 30, 2023 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, July 20, 2023 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst B

. . . 1 The 2Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 20, 2023. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2023 Earnings Release Supple

ex992q2-23earningsreleas . . . 1 The 2Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 20, 2023. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2023 Earnings Release Supplement1 July 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release co

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 20, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 20, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 14, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 14, 2023 OCEANFIRST FINANCIAL CORP.

. . . 1 The 1Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 20, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation June 2023 . .

ex991jun2023investorpres . . . 1 The 1Q 2023 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 20, 2023. Exhibit 99.1 OceanFirst Financial Corp. Investor Presentation June 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forwa

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ý ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022. OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11713 A. Full title of the plan and the addre

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 23, 2023 OCEANFIRST FINANCIAL CORP. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 23, 2023 OCEANFIRST FINANCIAL CORP.

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending March 31, 2023 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

ARS

2022 ANNUAL REPORT INVESTING IN OPPORTUNITY. INSPIRING IMPACT.OceanFirst delivered some of the strongest financial and operating results in our history in 2022. We produced record net income, an expanding net interest margin, outstanding credit quality, and increased book value per share – while maintaining our commitment to the communities in which we live and work. NASDAQ: OCFC Wynk Design, Inc.

NOTICE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No.

. . . 1 The 1Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 20, 2023. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2023 Earnings Release Suppl

. . . 1 The 1Q 2023 Earnings Release Supplement should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on April 20, 2023. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2023 Earnings Release Supplement1 April 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-

OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES FIRST QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, April 20, 2023 - OceanFirst Financial Corp. (NASDAQ:OCFC) (the “Company”), the holding company for OceanFirst B

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 20, 2023 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK RED BANK, NEW JERSEY, April 18, 2023 - OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), announced tha

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 14, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 14, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to .

OCFC / OceanFirst Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* OceanFirst Financial Corp (Name of Issuer) Common Stock (Title of Class of Securities) 675234108 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

OCFC / OceanFirst Financial Corp. / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SC 13G 1 tv01556-oceanfirstfinancialc.htm SCHEDULE 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: OceanFirst Financial Corp. Title of Class of Securities: Common Stock CUSIP Number: 675234108 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule p

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 30, 2023 OCEANFIRST FINANCIAL CORP.

OCFC / OceanFirst Financial Corp. / BlackRock Inc. Passive Investment

us6752341080012323.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 13) OCEANFIRST FINANCIAL CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 675234108 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A AMENDMENT NO.

. . . 1 The 4Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 19, 2023. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2022 Investor Presentation1 Jan

. . . 1 The 4Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on January 19, 2023. Exhibit 99.2 OceanFirst Financial Corp. 4Q 2022 Investor Presentation1 January 2023 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this presentation contains certain forward-looking

OCEANFIRST FINANCIAL CORP. ANNOUNCES RECORD QUARTERLY AND ANNUAL EARNINGS AND FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES RECORD QUARTERLY AND ANNUAL EARNINGS AND FINANCIAL RESULTS RED BANK, NEW JERSEY, January 19, 2023 - OceanFirst Financial Corp. (NASDAQ:“OCFC”) (the “Company”), the h

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 19, 2023 OCEANFIRST FINANCIAL CORP.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 29, 2022 OCEANFIRST FINANCIAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 29, 2022 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. 110 West Front Street Red Bank, New Jersey 07701

OCEANFIRST FINANCIAL CORP. 110 West Front Street Red Bank, New Jersey 07701 VIA EDGAR November 10, 2022 Division of Corporate Finance Office of Finance United States Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549-3628 Re: OceanFirst Financial Corp. Request for Withdrawal of Registration Statement on Form S-4 File No. 333-261868 Ladies and Gentlemen: Pursuant to Rule 477

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending September 30, 2022 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

MUTUAL TERMINATION AGREEMENT

Exhibit 10.1 MUTUAL TERMINATION AGREEMENT This MUTUAL TERMINATION AGREEMENT (this “Agreement”), dated November 9, 2022, is made by and between OceanFirst Financial Corp., a Delaware corporation (“OCFC”), and Partners Bancorp, a Maryland corporation (“Partners”). W I T N E S E T H: WHEREAS, OCFC and Partners entered into that certain Agreement and Plan of Merger, dated November 4, 2021 (as amended,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 9, 2022 OCEANFIRST FINANCIAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 9, 2022 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. AND PARTNERS BANCORP ANNOUNCE MUTUAL TERMINATION OF MERGER AGREEMENT

Exhibit 99.1 PRESS RELEASE Company Contact: For OceanFirst Financial Corp. For Partners Bancorp Patrick Barrett Lloyd B. Harrison Executive Vice President and Chief Executive Officer Chief Financial Officer Virginia Partners Bank/ OceanFirst Financial Corp. Maryland Partners Bank (a division of 732.240.4500 ext. 7507 Virginia Partners Bank) [email protected] 540.899.2234 FOR IMMEDIATE RELEAS

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 24, 2022 OCEANFIRST FINANCIAL CORP.

. . . 1 The 3Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 24, 2022. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2022 Investor Presentation1 Oct

. . . 1 The 3Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on October 24, 2022. Exhibit 99.2 OceanFirst Financial Corp. 3Q 2022 Investor Presentation1 October 2022 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-looking

OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES THIRD QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, October 24, 2022 - OceanFirst Financial Corp. (NASDAQ:?OCFC?) (the ?Company?), the holding company for OceanFir

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK RED BANK, NEW JERSEY, October 21, 2022 - OceanFirst Financial Corp. (NASDAQ:?OCFC?), (the ?Company?), announced t

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 21, 2022 OCEANFIRST FINANCIAL CORP.

OCFC / OceanFirst Financial Corp. / BlackRock Inc. Passive Investment

us6752341080080822.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 12 ) OCEANFIRST FINANCIAL CORP - (Name of Issuer) Common Stock - (Title of Class of Securities) 675234108 - (CUSIP Number) July 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursua

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Exhibit 32.0 CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350 AS ADDED BY SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 In connection with the Quarterly Report of OceanFirst Financial Corp. (the “Company”) on Form 10-Q for the period ending June 30, 2022 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), the undersigned certify, pursuant to 18 U.S.C. §1350, as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-11713 OceanFirst Financial Corp.

. . . 1 The 2Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 28, 2022. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2022 Investor Presentation1 July 2

. . . 1 The 2Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.1 to Form 8-K filed with the SEC on July 28, 2022. Exhibit 99.2 OceanFirst Financial Corp. 2Q 2022 Investor Presentation1 July 2022 . . .Legal Disclaimer FORWARD LOOKING STATEMENTS. In addition to historical information, this news release contains certain forward-looking statem

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 28, 2022 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. ANNOUNCES SECOND QUARTER FINANCIAL RESULTS RED BANK, NEW JERSEY, July 28, 2022 - OceanFirst Financial Corp. (NASDAQ:?OCFC?), (the ?Company?), the holding company for OceanFirs

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 19, 2022 OCEANFIRST FINANCIAL CORP.

OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK

Press Release Exhibit 99.1 Company Contact: Patrick S. Barrett Chief Financial Officer OceanFirst Financial Corp. Tel: (732) 240-4500, ext. 7507 Email: [email protected] FOR IMMEDIATE RELEASE OCEANFIRST FINANCIAL CORP. DECLARES QUARTERLY CASH DIVIDEND FOR SERIES A PREFERRED STOCK RED BANK, NEW JERSEY, July 19, 2022 - OceanFirst Financial Corp. (NASDAQ:?OCFC?), (the ?Company?), announced that

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

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LETTER

United States securities and exchange commission logo May 11, 2022 Michael J. Fitzpatrick Chief Financial Officer OceanFirst Financial Corp. 110 West Front Street Red Bank, New Jersey 07701 Re: OceanFirst Financial Corp. Form 10-K for the Fiscal Year Ended December 31, 2021 Filed February 28, 2022 File No. 001-11713 Dear Mr. Fitzpatrick: We have completed our review of your filing. We remind you t

OceanFirst Financial Corp. • 110 West Front Street • Red Bank, NJ 07701 • 1.888.623.2633 • oceanfirst.com • NASDAQ: OCFC

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 28, 2022 OCEANFIRST FINANCIAL CORP.

. . . 1 The 1Q 2022 Investor Presentation should be read in conjunction with the Earnings Release furnished as Exhibit 99.2 to Form 8-K filed with the SEC on April 28, 2022. Exhibit 99.2 OceanFirst Financial Corp. 1Q 2022 Investor Presentation1 April

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Proxy Summary Corporate Governance Stockholder-Recommended Director Nominations Proposal 1 Election of Directors Stock Ownership Delinquent Section 16(a) Reports Senior Executive Officers Who Are Not Also Directors Compensation Discussion and Analysi

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LETTER

United States securities and exchange commission logo April 19, 2022 Michael J. Fitzpatrick Chief Financial Officer OceanFirst Financial Corp. 110 West Front Street Red Bank, New Jersey 07701 Re: OceanFirst Financial Corp. Form 10-K for the Fiscal Year Ended December 31, 2021 Filed February 28, 2022 File No. 001-11713 Dear Mr. Fitzpatrick: We have limited our review of your filing to the financial

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 19, 2022 OCEANFIRST FINANCIAL CORP.