Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 9.83% is 19% above its 5-year average of 8.26%, around the middle of its 5-year range (2.98%–13.74%).
As of the fiscal period ended Tuesday, June 30, 2026. 9.19% below its 12-month average of 10.82%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 9.83%.
DEBT TO ASSETS RATIO
9.83%
DEBT TO ASSETS RATIO AVG TTM
10.82%
DEBT TO ASSETS RATIO AVG 3Y
9.28%
DEBT TO ASSETS RATIO AVG 5Y
8.26%
DEBT TO ASSETS RATIO AVG 10Y
7.92%
DEBT TO ASSETS RATIO AVG 15Y
10.20%
DEBT TO ASSETS RATIO AVG 20Y
13.33%
CURRENT VS TTM AVG
-9.19%
CURRENT VS 3Y AVG
+5.87%
CURRENT VS 5Y AVG
+18.92%
CURRENT VS 10Y AVG
+24.06%
CURRENT VS 15Y AVG
-3.64%
CURRENT VS 20Y AVG
-26.26%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+19555.50%
vs the sector median at left
OceanFirst Financial Corp.
Market Cap
$1.01B
Debt to Assets Ratio
9.83%
TTM Avg
10.82%
3Y Avg
9.28%
5Y Avg
8.26%
Market Cap
$1.02B
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.02B
Debt to Assets Ratio
0.10%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.02B
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.01B
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.00B
Debt to Assets Ratio
0.09%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.00B
Debt to Assets Ratio
0.03%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$1.03B
Debt to Assets Ratio
0.50%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$991.95M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| OceanFirst Financial Corp. (OCFC) | $1.01B | 9.83% | 10.82% | 9.28% | 8.26% |
| CNB Financial Corporation (CCNEP)vs › | $1.02B | 0.03% | N/A | N/A | N/A |
| Mercantile Bank Corporation (MBWM)vs › | $1.02B | 0.10% | N/A | N/A | N/A |
| Esquire Financial Holdings, Inc. (ESQ)vs › | $1.02B | 0.00% | N/A | N/A | N/A |
| Business First Bancshares, Inc. (BFST)vs › | $1.01B | 0.07% | N/A | N/A | N/A |
| MetroCity Bankshares, Inc. (MCBS)vs › | $1.00B | 0.09% | N/A | N/A | N/A |
| CNB Financial Corporation (CCNE)vs › | $1.00B | 0.03% | N/A | N/A | N/A |
| Oaktree Specialty Lending Corporation (OCSL)vs › | $1.03B | 0.50% | N/A | N/A | N/A |
| Horizon Bancorp, Inc. (HBNC)vs › | $991.95M | 0.06% | N/A | N/A | N/A |
| Northeast Bank (NBN)vs › | $1.04B | 0.16% | N/A | N/A | N/A |
Debt/Assets
9.8%
Debt/Equity
0.95
Current ratio and interest coverage is unavailable for OceanFirst Financial Corp.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 9.83% |
| 2026-03-31 | 10.33% |
| 2025-12-31 | 11.22% |
| 2025-09-30 | 13.74% |
| 2025-06-30 | 8.99% |
| 2025-03-31 | 8.67% |
| 2024-12-31 | 9.39% |
| 2024-09-30 | 10.33% |
| 2024-06-30 | 9.71% |
| 2024-03-31 | 8.58% |
| 2023-12-31 | 7.74% |
| 2023-09-30 | 6.56% |
| 2023-06-30 | 10.06% |
| 2023-03-31 | 11.90% |
| 2022-12-31 | 11.28% |
| 2022-09-30 | 6.35% |
| 2022-06-30 | 6.34% |
| 2022-03-31 | 3.18% |
| 2021-12-31 | 2.98% |
| 2021-09-30 | 3.15% |
| 2021-06-30 | 3.22% |
| 2021-03-31 | 3.13% |
| 2020-12-31 | 3.18% |
| 2020-09-30 | 6.29% |
| 2020-06-30 | 6.55% |
| 2020-03-31 | 9.88% |
| 2019-12-31 | 8.34% |
| 2019-09-30 | 8.28% |
| 2019-06-30 | 7.63% |
| 2019-03-31 | 7.21% |
| 2018-12-31 | 8.12% |
| 2018-09-30 | 8.16% |
| 2018-06-30 | 10.80% |
| 2018-03-31 | 6.98% |
| 2017-12-31 | 7.84% |
| 2017-09-30 | 7.26% |
| 2017-06-30 | 7.87% |
| 2017-03-31 | 7.39% |
| 2016-12-31 | 7.30% |
| 2016-09-30 | 9.07% |
| 2016-06-30 | 9.95% |
| 2016-03-31 | 13.84% |
| 2015-12-31 | 16.30% |
| 2015-09-30 | 13.23% |
| 2015-06-30 | 16.48% |
| 2015-03-31 | 14.48% |
| 2014-12-31 | 17.00% |
| 2014-09-30 | 12.74% |
| 2014-06-30 | 16.95% |
| 2014-03-31 | 14.29% |
| 2013-12-31 | 12.04% |
| 2013-09-30 | 12.53% |
| 2013-06-30 | 15.96% |
| 2013-03-31 | 14.06% |
| 2012-12-31 | 13.81% |
| 2012-09-30 | 14.09% |
| 2012-06-30 | 14.95% |
| 2012-03-31 | 15.09% |
| 2011-12-31 | 16.82% |
| 2011-09-30 | 16.01% |
| 2011-06-30 | 16.71% |
| 2011-03-31 | 17.40% |
| 2010-12-31 | 16.01% |
| 2010-09-30 | 17.00% |
| 2010-06-30 | 21.17% |
| 2010-03-31 | 28.04% |
| 2009-12-31 | 20.94% |
| 2009-09-30 | 17.67% |
| 2009-06-30 | 19.00% |
| 2009-03-31 | 21.98% |
| 2008-12-31 | 24.21% |
| 2008-09-30 | 22.31% |
| 2008-06-30 | 23.46% |
| 2008-03-31 | 25.45% |
| 2007-12-31 | 26.45% |
| 2007-09-30 | 24.87% |
| 2007-06-30 | 26.65% |
| 2007-03-31 | 26.44% |
| 2006-12-31 | 25.66% |
| 2006-09-30 | 25.79% |
| 2006-06-30 | 26.88% |
| 2006-03-31 | 23.94% |
| 2005-12-31 | 31.64% |
| 2005-09-30 | 23.21% |
| 2005-06-30 | 22.96% |
| 2005-03-31 | 22.97% |
| 2004-12-31 | 24.19% |
| 2004-09-30 | 26.29% |
| 2004-06-30 | 27.80% |
| 2004-03-31 | 27.29% |
| 2003-12-31 | 24.52% |
| 2003-09-30 | 24.83% |
| 2003-06-30 | 24.66% |
| 2003-03-31 | 25.07% |
| 2002-12-31 | 22.86% |
| 2002-09-30 | 22.97% |
