8-K

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): August 1, 2016

OCEANFIRST FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

Delaware	001-11713	22-3412577
(State or other jurisdiction of incorporation or organization)	(Commission File No.)	(IRS Employer Identification No.)

975 HOOPER AVENUE, TOMS RIVER, NEW JERSEY 08753

(Address of principal executive offices, including zip code)

(732)240-4500

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

x Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 140.13e-4(c))

ITEM 7.01 REGULATION FD DISCLOSURE

OceanFirst Financial Corp. (the “Company”) is scheduled to make presentations to current and prospective investors on August 2, 2016 at the Keefe Bruyette & Woods Community Bank Investor Conference. Attached as Exhibit 99.1 of this Current Report on Form 8-K is a copy of the presentation which the Company will make available at the presentation and will post on its website at www.oceanfirst.com.

The preceding information, as well as Exhibit 99.1 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section, or incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

ITEM 8.01 OTHER EVENTS

On August 1, 2016, the Company issued a press release announcing that it will be presenting at the Keefe Bruyette & Woods Community Bank Investor Conference on August 2, 2016. The press release is attached hereto as exhibit 99.2 and is incorporated into this Item 8.01 by reference.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d) EXHIBITS

99.1	Investor Presentation dated August 2016.
99.2	Press Release dated August 1, 2016.

Forward-Looking Statements

This Report contains forward-looking statements. These forward-looking statements may include: management plans relating to the previously announced pending acquisition (the “Transaction”) of Ocean Shore Holding Co. (“Ocean Shore”); the expected timing of the completion of the Transaction; the ability to complete the Transaction; the ability to obtain any required regulatory, shareholder or other approvals; any statements of the plans and objectives of management for future operations, products or services, including the execution of integration plans relating to the Transaction and the recently completed acquisition of Cape Bancorp, Inc. by the Company; any statements of expectation or belief; projections related to certain financial metrics; and any statements of assumptions underlying any of the foregoing. Forward-looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “outlook,” “estimate,” “forecast,” “project” and other similar words and expressions. Forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change over time and are beyond our control. Forward-looking statements speak only as of the date they are made. Neither the Company nor Ocean Shore assumes any duty and does not undertake to update forward-looking statements. Because forward-looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those that the Company or Ocean Shore anticipated in its forward-looking statements and future results could differ materially from historical performance. Factors that could cause or contribute to such differences include, but are not limited to,

those included under Item 1A “Risk Factors” in the Company’s Annual Report on Form 10-K, those included under Item 1A “Risk Factors” in Ocean Shore’s Annual Report on Form 10-K, those disclosed in the Company’s and Ocean Shore’s respective other periodic reports filed with the Securities and Exchange Commission (“SEC”), as well as the possibility: that expected benefits of the Transaction and the Cape acquisition may not materialize in the timeframe expected or at all, or may be more costly to achieve; that the Transaction may not be timely completed, if at all; that prior to the completion of the Transaction or thereafter, the Company’s and Ocean Shore’s respective businesses may not perform as expected due to transaction-related uncertainty or other factors; that the parties are unable to successfully implement integration strategies related to the Transaction and the Cape acquisition; that required regulatory, shareholder or other approvals are not obtained or other customary closing conditions are not satisfied in a timely manner or at all; reputational risks and the reaction of the companies’ shareholders, customers, employees and other constituents to the Transaction; and diversion of management time on merger-related matters. For any forward-looking statements made in this report or in any documents, the Company and Ocean Shore claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.

Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results.

Additional Information about the Transaction

This report is being made in respect of the proposed Transaction involving the Company and Ocean Shore. This material is not a solicitation of any vote or approval of the Company’s or Ocean Shore’s shareholders and is not a substitute for the joint proxy statement/prospectus or any other documents which the Company and Ocean Shore may send to their respective shareholders in connection with the proposed Transaction. This communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities.

In connection with the proposed Transaction, the Company intends to file a registration statement on Form S-4 containing a joint proxy statement/prospectus and other documents regarding the proposed Transaction with the SEC. Before making any voting or investment decision, the respective investors and shareholders of the Company and Ocean Shore are urged to carefully read the entire joint proxy statement/prospectus when it becomes available and any other relevant documents filed by either company with the SEC, as well as any amendments or supplements to those documents, because they will contain important information about the Company, Ocean Shore and the proposed Transaction. Investors and security holders are also urged to carefully review and consider each of the Company’s and Ocean Shore’s public filings with the SEC, including but not limited to their Annual Reports on Form 10-K, their proxy statements, their Current Reports on Form 8-K and their Quarterly Reports on Form 10-Q. When available, copies of the joint proxy statement/prospectus will be mailed to the respective shareholders of the Company and Ocean Shore. When available, copies of the joint proxy statement/prospectus also may be obtained free of charge at the SEC’s web site at http://www.sec.gov, or by directing a request to OceanFirst Financial Corp., 975 Hooper Avenue, Toms River, New Jersey 08753, Attn: Christopher D. Maher.

Participants in the Solicitation

The Company, Ocean Shore and certain of their respective directors and executive officers, under the SEC’s rules, may be deemed to be participants in the solicitation of proxies of the Company’s and Ocean Shore’s shareholders in connection with the proposed Transaction. Information about the directors and executive officers of the Company and their ownership of the Company common stock is set forth in the proxy statement for the Company’s 2016 Annual Meeting of Shareholders, as filed with the SEC on

Schedule 14A on April 26, 2016. Information about the directors and executive officers of Ocean Shore and their ownership of Ocean Shore’s common stock is set forth in the proxy statement for Ocean Shore’s 2016 Annual Meeting of Shareholders, as filed with the SEC on Schedule 14A on April 19, 2016. Additional information regarding the interests of those participants and other persons who may be deemed participants in the solicitation of proxies of the Company’s and Ocean Shore’s shareholders in connection with the proposed Transaction may be obtained by reading the joint proxy statement/prospectus regarding the proposed Transaction when it becomes available. Once available, free copies of the joint proxy statement/prospectus may be obtained as described in the preceding paragraph.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

OCEANFIRST FINANCIAL CORP.

/s/ Michael Fitzpatrick

Michael Fitzpatrick

Executive Vice President and

Chief Financial Officer

Dated: August 1, 2016

Exhibit Index

Exhibit	Description
99.1	Investor Presentation dated August 2016.
99.2	Press Release dated August 1, 2016.

EX-99.1

OceanFirst Financial Corp. Exhibit 99.1 Investor Presentation August 2016

OceanFirst Financial Corp. Forward-Looking Statements In addition to historical information, this news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words "believe," "expect," "intend," "anticipate," "estimate," "project," "will," "should," "may," "view," "opportunity," "potential," or similar expressions or expressions of confidence.  The Company's ability to predict results or the actual effect of future plans or strategies is inherently uncertain.  Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to:  changes in interest rates, general economic conditions, levels of unemployment in the Bank’s lending area, real estate market values in the Bank’s lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company's market area and accounting principles and guidelines.  These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015 and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements.  The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.   

OceanFirst Milestones – 114 Years of Growth

Serving Central and Southern New Jersey Market OceanFirst is the largest Bank headquartered in Central and Southern New Jersey $4.0 billion in assets 50 branch offices Market Cap $483 million Average Daily Share Volume of 165,000 OceanFirst Headquarters OceanFirst Retail Branches, Commercial Loan Production Offices, and Wealth Management Office 30 million people, or approximately 10% of the total U.S. population, reside within a 2-hour drive* and 7.3 million reside in market area** *Includes New York – Newark NY-NJ-PA-CT CSA and Philadelphia – Reading – Camden CSA. **Refer to Appendix 2 for market area.

OceanFirst Loan Portfolio Diversification by Geography Atlantic City is 1.3% of the OceanFirst loan portfolio Least Concentration Highest Concentration

Name Position # of Years at OCFC # of Years In Banking Previous Experience Christopher D. Maher President, Chief Executive Officer 3 28 Patriot National Bancorp; Dime Community Bancshares Michael J. Fitzpatrick Executive Vice President, Chief Financial Officer 23 34 KPMG Joseph R. Iantosca Executive Vice President, Chief Administrative Officer 12 38 BISYS Banking Solutions; Newtrend LLC; Brooklyn Federal Savings Joseph J. Lebel III Executive Vice President, Chief Lending Officer 10 32 Wachovia Bank N.A.; First Fidelity Mark C. Foley President, Southern Division ─ 37 Bank of Boston; Patriot National Bank; Naugatuck Valley Savings and Loan Substantial insider ownership of 19.4% – aligned with shareholders’ interests OceanFirst Bank ESOP 6.2% Directors & Senior Executive Officers 8.0% Director and Proxy Officer Stock Ownership Guidelines OceanFirst Foundation 5.2% From April 26, 2016 Proxy Statement, adjusted for Cape Bancorp acquisition on May 2, 2016. Experienced Leadership

Deep Bench of Experienced Executives Name Position # of Years at OCFC # of Years In Banking Previous Experience Craig C. Spengeman Executive Vice President, Director of Wealth Management 2 38 PGB Trust and Investments (Division of Peapack-Gladstone Bank) Steven J. Tsimbinos Executive Vice President, General Counsel 6 22 Thacher Proffit & Wood; Lowenstein Sandler PC David R. Howard First Senior Vice President, Chief Risk Officer 3 26 Guggenheim Partners; GE Capital Margaret Lanning First Senior Vice President, Chief Credit Officer 1 37 Wells Fargo Bank, N.A.; Wachovia Bank Gary S. Hett Senior Vice President, Director of Human Resources 3 43 Patriot National Bancorp; Dime Community Bancshares

Our Strategy Grow commercial loans (organic) Annual investment in commercial lending operating expense Increased lending teams from 1 to 4 Upgraded to state-of-the-art commercial loan operating system Guard credit quality through strong credit risk culture Added highly experienced Chief Credit Officer Weighted Average Facility Rating No non-performing commercial loans were originated within the past 5 years December 31, 2012 June 30, 2016 $533 million $993 million $2.2 million $6.4 million 4.8 $43.4 million NPL 2.8% of loans 4.5 $15.3 million NPL 0.48% of loans Non-performing loans decreased by 65% 19.3% CAGR

Our Strategy (Continued) Organically grow low cost deposits (exclude time deposits) Opened three de novo branches Capitalize on disruption created by out-of-market acquirers; leverage commercial lending success to grow business deposits Opportunistic acquisition of local community banks Colonial American Bank acquired on July 31, 2015 in a transaction valued at $11.9 million (core deposit premium 0.4%) Purchased in-market retail branch on March 11, 2016 with total deposits of $17.0 million (core deposit premium 2.1%) Cape Bancorp acquired on May 2, 2016 in a transaction valued at $196 million (core deposit premium 4.4%) Ocean Shore Holding Co. agreed to be acquired on July 13, 2016 in a transaction valued at $146 million (core deposit premium 4.9%) December 31, 2012 June 30, 2016 $1,493 million 0.15% cost $1,746 million 0.12% cost Leading community bank in Ocean County, New Jersey Preeminent community bank in central and southern New Jersey Acquired (or pending acquired) $2.197 million deposits at a weighted core deposit premium of 4.3% Cost of deposits reduced by 20%

Strategy Impact on Valuation Strategy Result (2012 – 6/30/2016) Grew Commercial loans from $533 million to $993 million, 19.3% CAGR Reduced non-performing loans from $43.4 million, 2.8% of loans, to $15.3 million, 0.48% of loans Grew low cost core deposits from $1,493 million (0.15% cost) to $1,746 million (0.12% cost) Opportunistic acquisitions of Ocean Shore Holding Co., Cape Bancorp and Colonial American Bank Valuation Impact December 31, 2012 July 27, 2016 Stock Price $13.75 $18.77 Market Capitalization $246 million $483 million Price/Tangible Book Value 112% 143% Core Deposit Premium 1.5% 5.3% Total Shareholder Return of 51% since December 2012

Highlights – 2016 Completed the acquisition of Cape Bancorp on May 2, 2016, which added $1.5 billion to assets, $1.2 billion to loans, and $1.2 billion to deposits Added highly experienced banking executive as Southern Division President to maintain local decision-making and strong oversight Announced Ocean Shore Holding Co. acquisition (NASDAQ: OSHC) on July 13, 2016, valued at approximately $146 million Second Quarter Core EPS of $0.38(1), an 18% increase from $0.32(1) in Q1 2016 10.2% ROTE(1) & 0.95% ROA(1) Net interest margin was 3.55% in Q2 2016, an increase from 3.32% in Q1 2016 Strong deposit funding represented by a loan to deposit ratio of 97.6% and an average cost of deposits of 0.25% Tangible common equity of 8.5% of assets (1)Amounts and ratios exclude merger related expenses, Federal Home Loan Bank prepayment fee and loss on sale of investment securities

Branch Map Source: SNL Financial ¹ Deposit market share data as of June 30, 2015. 2 Financial highlights as of or for the quarter ended March 31, 2016. Overview of Ocean Shore Holding Co. Acquisition Transaction Summary Financial Highlights2   Total Assets ($M) $1,052   ROAA 0.67%   Gross Loans ($M) $796   ROATCE 6.55%   Total Deposits ($M) $818   NIM 3.24%   TCE/ TA 10.4%   Yield on Loans 4.14%   Leverage Ratio 10.5%   Cost of Deposits 0.32%   Total RBC Ratio 20.5%   Efficiency 66% - OCFC Branches - OSHC Branches Valued at $146 million – 80% stock, 20% cash Price/TBV – 132% Core deposit premium – 4.9% Financially compelling: Over 5% accretive to EPS in 2018 in addition to double digit earnings accretion from Cape Earnback of 3.7 years IRR of approximately 20%

Competing Favorably Against Banking Behemoths and Local Community Banks Source: FDIC Summary of Deposits, June 30, 2015 Note: Market area is defined as counties in Central and Southern New Jersey Institution # of Branches Dep. In Mkt. ($000) TD Bank (Canada) 138 17,773,374 Wells Fargo (CA) 144 15,915,759 Bank of America (NC) 129 13,838,204 Santander Bank (Spain) 81 5,893,493 M&T Bank (NY) 33 4,655,042 OceanFirst Bank # of Branches Dep. In Mkt. ($000) 50 3,053,821 Institution # of Branches Dep. In Mkt. ($000) Sun 41 1,847,992 Ocean Shore* 11 786,582 Manasquan 8 780,139 First Choice 5 765,009 Sturdy Savings 13 631,513 *OCFC announced acquisition on July 13, 2016, refer to page 12. OceanFirst Competitive Position Responsive Flexible Capable Lending Limit Technology Trust Cash Management Consumer & Commercial Mega Banks Community Banks Favorable Competitive Position

Strategic Deposit Composition Transition Consumer Commercial Total Cost of Deposits 0.27%

Strategic Focus on Commercial Lending Drives Business Deposits Note: Amounts include repurchase agreements classified as borrowings but offered to local business relationships Legacy

Mobile Banking Consistently adopting mobile-centric options. In 2015, added TouchID, Apple Watch, and Apple Pay. Significantly increasing adoption of Apple Pay and mobile deposit capture. Online Banking & Bill Pay In 2015, 40% of depositors used online banking and an average of 30,000 bills were paid with online bill pay service each month. Check Card Over 6.3 million transactions processed in 2015. Rewards program promotes usage. Launched Card Valet, a personalized mobile card management app, in 2015. ATM & Interactive Teller (ITM) Fleet of intelligent ATM terminals provide technology for continually growing self-service deposit option. First ITM deployed in 2014 with 5 more added in 2015. Corporate Cash Management Added Remote Deposit Capture (RDC) in 2007. In 2015, 141 clients processed almost 600,000 checks using RDC. Full Suite of Technology and Delivery Systems

Strategic Loan Composition Transition Note (A): Investment CRE as a percent of risk-based capital is 226% at March 31, 2016. Consumer Commercial

Credit Underwriting Remains Conservative: Commercial Loan Production 2015 and 2016 (Dollars in thousands) Commercial Loan Originations Year Six Months Ended Ended December 31, 2015 June 30, 2016 Commercial Loan Portfolio at June 30, 2016 Amount $264,385 $109,070 $1,757,371 Weighted average rate 4.16% 4.22% 4.39% Weighted average debt service coverage 2.0X 1.7X 1.9X Weighted average loan-to-value (CRE only) 62% 63% 54% Weighted average risk rating(1) 4.5 4.4 4.5 Deposit contribution $92,367 $1,371 $209,093 Cash management (% utilizing) (excluding Cape portfolio) 34% (1)Risk rating is on a scale from 1 (best) to 9 (worst). A rating of 4.5 represents an equivalent S&P rating of BBB.

OceanFirst Maintains Conservative CRE Portfolio Relative to Peers Domestic CRE Loans (Construction, Multifamily & Other Nonfarm Non-residential) to Total Risk Based Capital. Supervisory guideline is 300% of TRBC. Peers include: AROW, BMTC, DCOM, FFIC, FISI, FLIC, LBAI, NFBK, ORIT, PGC, SCNB, UVSP and WSFS. Source: BankRegData.com Ratio would be 241% on a pro-forma basis to include Cape Bancorp at 3/31/16.

Highlights – Risk Management During 2015 and First Half 2016: Interest Rate Risk Management Extended $100 million of FHLB advances into 4 – 5 year terms $100 million increase in non-interest bearing deposits (excluding the addition of Cape deposits) which now represent 17.3% of total deposits Core deposits(1) are 84.9% of total deposits, a significant hedge against a rising rate environment Credit Risk Management Recruited Chief Credit Officer with over 37 years of commercial lending experience Upgraded to state-of-the-art commercial loan operating system for improved risk monitoring, management and reporting (1)Core deposits are all deposits except time deposits.

Effective Interest Rate Risk Management Duration Rate Characteristics All asset categories managed with limited duration At June 30, 2016

Term Borrowings Extended as Interest Rate Hedge TOTAL $251.6MM 1.75% AVG. COST At June 30, 2016

Credit Metrics Reflect Conservative Culture (1)Net charge-off ratio for 2014 excludes charge-off related to bulk sale of non-performing residential and consumer mortgage loans. Including this charge-off, the ratio is 0.45%. Ratio for 2016 is annualized. Two commercial loans account for 70% of the net charge-off No non-performing commercial loans were originated within the past 5 years (1) 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 2011 2012 2013 2014 2015 6/30/2016 Residential Consumer Commercial Real Estate Commercial Net Charge-Offs Non-performing loans as percent of total loans receivable Net loan charge-offs as percent of average loans

Peers include: AROW, BMTC, DCOM, FFIC, FISI, FLIC, LBAI, NFBK, ORIT, PGC, SCNB, UVSP and WSFS. Source: BankRegData.com OceanFirst Charge-Offs Are 20% Below Peers

Net Interest Margin Stabilized at Historical Levels but Now Expanding Historical Average (1996 – 2015) Net Interest Margin (3.28%) Q2 consolidated NIM at 3.55% includes 18 BP of net accretable yield from purchase accounting adjustments and prepayment fees OceanFirst Bank: 5 consecutive quarters of expansion Peers: 9 consecutive quarters of decline 2.00% 2.20% 2.40% 2.60% 2.80% 3.00% 3.20% 3.40% 3.60% 3.80% 2007 2008 2009 2010 2011 2012 2013 2014 2015 Q1 2016 Q2 2016

Diversified Streams of Non-Interest Income $2.5M $18.0M Targeted Growth Areas Non-Interest Income excludes gain/loss from other real estate operations, gain on sale of securities and gain on sale of loan servicing. 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 1996 6/30/16 (Annualized) Percent of Average Assets Fees and Service Charges Gain on Sale of Loans BOLI BankCard Services Wealth Management/Investment Services Other

Generating Consistent Attractive Returns (1)For 2013, excludes after-tax impact of $3.1 million in non-recurring charges related to strategic advance restructuring and branch consolidation. (2)For 2015 and 2016, excludes merger related expenses. For 2016, also excludes Federal Home Loan Bank prepayment fee and loss on sale of investment securities. (1) Return on Assets Return on Tangible Common Equity (2) (2) 9.8% 0.90% 6.0% 7.0% 8.0% 9.0% 10.0% 11.0% 12.0% 13.0% 2009 2010 2011 2012 2013 2014 2015 6/30/16 Annualized 0.60% 0.70% 0.80% 0.90% 1.00% 1.10% Return on Tangible Equity Return on Assets

Prudently Managing Excess Capital in Near Term Notes: Stock Repurchases – $15.32 Average Cost per Share. Quarterly dividend rate increased by $0.01, or 8.3%, in October 2014. In Q4 2015 and 2016, stock repurchases suspended as capital was allocated to Cape Bancorp acquisition. (6 Months) $8.8 $8.6 $8.2 $8.2 $8.7 $5.5 $2.1 $11.9 $8.1 $9.2 $6.5 $0.0 $5.0 $10.0 $15.0 $20.0 $25.0 2011 2012 2013 2014 2015 2016 Annual Return of Capital (Millions) Cash Dividends Stock Repurchases

Why OCFC…? Fundamental franchise value Superior deposit profile Consistent commercial loan growth Conservative credit culture Solid financial performance Consistent attractive returns Strong balance sheet and capital base Seasoned and effective management team Substantial insider ownership – aligned with shareholders’ interests Fully capable of executing on 5-year growth plan

Attractive Valuation Metrics Valuation Price / Tang. Book Value 143% 166% Price / LQA EPS 12.3x 14.8x Price / 2017 Estimated EPS 11.0x 14.8x Core Deposit Premium 5.3% 9.1% Cash Dividend Yield 2.8% 3.0% OCFC Peers(1) 1) Peers include: AROW, BMTC, DCOM, FFIC, FISI, FLIC, LBAI, NFBK, ORIT, PGC, SCNB, UVSP and WSFS Note: Financial data as of the most recent period available; market data as of July 27, 2016; OCFC stock price of $18.77 Source: Sandler O’Neill

Appendix

OceanFirst Financial Corp. – Analyst Coverage APPENDIX 1 Company Analyst Recommendation Price Target Keefe Bruyette & Woods Collyn Gilbert Outperform $22.00 Sandler O’Neill & Partners Frank Schiraldi Buy $21.00 Piper Jaffray Matt Breese Overweight $22.00 FIG Partners David Bishop Outperform $24.00 Investor Relations Contacts Christopher D. Maher President and Chief Executive Officer 732-240-4500 Ext. 7504 cmaher@oceanfirst.com Michael Fitzpatrick Executive Vice President and Chief Financial Officer 732-240-4500 Ext. 7506 mfitzpatrick@oceanfirst.com Jill Hewitt Senior Vice President 732-240-4500 Ext. 7513 jhewitt@oceanfirst.com

Market Demographics Central New Jersey(1) Southern New Jersey(2) Philadelphia Metro(3) Total Bank Offices in Market 877 516 876 Total Bank Deposits in Market $81.8 billion $36.3 billion $93.2 billion Number of OceanFirst Offices 28 22 % of OceanFirst Deposits 60 40 Market Rank 10 7 Market Share (%) 2.33 3.53 Population 2,437,611 1,842,151 3,018,862 Projected 2016-2021 Population Growth (%) 7.69 1.01 4.44 Deposit and demographic data as of June 30, 2015. Source: SNL Financial Notes:1 – Includes Monmouth, Ocean, Middlesex and Mercer counties, New Jersey 2 – Includes Burlington, Atlantic, Cape May, Camden, Gloucester, Salem and Cumberland counties, New Jersey 3 – Includes Philadelphia, Bucks and Montgomery counties, Pennsylvania APPENDIX 2 Expansion opportunity

Commercial Portfolio Metrics APPENDIX 3 Commercial Real Estate (CRE) Owner-Occupied Investor Total $ 523.7 million 1,011.4 million $1,535.1 million % of Total Loan Portfolio 48.5% Average Size of CRE Loans $766,000 Largest CRE Loan $16.7 million Current Pipeline $33.9 million Weighted Average Yield 4.51% Weighted Average Repricing Term 4.1 years Commercial Loans (C&I) Total Portfolio $222.4 million % of Total Loan Portfolio 7.0% Average Size of Commercial Loans $331,000 Largest Commercial Loan $12.0 million Current Pipeline $9.0 million Weighted Average Yield 4.1% Weighted Average Repricing Term 2.9 years Note: The maximum loan exposure to a single borrower, including CRE and C&I loans, was $22.8 million.

Commercial Portfolio Segmentation APPENDIX 3 (Cont’d) Total Commercial Loan Exposure by Industry Classification Real Estate Investment by Property Classification Diversified portfolio provides protection against industry-specific credit events. As of June 30, 2016. Arts/Entertainment/ Recreation, 4.2% Real Estate Investment, 48.2% Other Services, 2.4% Retail Trade, 5.2% Public Administration, 1.7% Miscellaneous, 6.0% Manufacturing, 2.8% Educational Services, 2.8% Accommodations/ Food Services, 10.0% Healthcare, 6.5% Wholesale Trade, 3.7% Construction, 6.5% Residential Development, 11.0% Industrial/ Warehouse, 7.3% Single Purpose, 7.0% Miscellaneous, 9.9% Motel, 7.1% Multi-Family, 12.1% Retail Store, 8.9% Shopping Center, 7.7% Development, 5.3% Office, 23.7%

Residential Portfolio Metrics APPENDIX 4 Residential Real Estate Total Portfolio $1,131.2 million % of Total Loan Portfolio 36.2% Average size of mortgage loans $198,000 % of loans for second homes 11.9% Portfolio weighted average loan-to-value ratio (using original or most recent appraisal) - Loans originated during 2016 52% 65% Portfolio average FICO score - Loans originated during 2016 752 756 % of loans outside the New York/New Jersey market 3.3% As of June 30, 2016, unless otherwise noted.

Colonial American Bank Acquisition 100% Stock deal, valued at $11.9 million In-Market acquisition supports growth objective in towns of Middletown and Shrewsbury, NJ Favorable financial terms (adjusted for DTA realization of $2.3 million) Price/Tangible Book Value of 104% Transaction neutral to OCFC book value Price/Core Deposit Premium of 0.4% Modest execution risk with conservative assumptions Expected cost saves of 35%, fully realized in 2016 Established a fair value credit mark of $2.9 million, 2.4% of loans, which is not included in the Allowance for Loan Losses Effective execution (2015) Announcement – February 25 Regulatory Approvals - June 17 (68 days following application) Shareholder Approval - July 9 Closing – July 31 Systems Integration – October 17 (72 days following legal closing) APPENDIX 5 Supports Retail Expansion in High Value Communities OceanFirst Headquarters OceanFirst Retail Branches, Commercial Loan Production Offices, and Wealth Management Office Colonial American Retail Branches

Cape Bancorp Acquisition Creates the preeminent New Jersey based community banking franchise operating throughout central and southern New Jersey 85% stock and 15% cash, valued at $195 million Favorable financial terms Price/Tangible Book Value of 139% Price/Core Deposit Premium of 4.4% Expected accretion to GAAP EPS of 17% in 2017 Expected tangible book value dilution of 7.2%, projected earnback of approximately 3.3 years using the cross-over method and 3.8 years on a simple tangible book value earnback calculation Modest execution risk with conservative assumptions Expected cost saves of 33%, fully realized by end of 2016 Expected one-time, pre-tax transaction expenses of $15.5 million Gross credit mark of 2.3% of loans Effective execution (2016) Announcement – January 5 Regulatory Approvals – March 28 (52 days following application) Shareholder Approvals – April 25 Closing – May 2 Systems Integration – scheduled October 15 APPENDIX 6

1 Pro forma OceanFirst and Ocean Shore as of March 31, 2016, and excludes purchase accounting adjustments. 2 Per OSHC March 31, 2016 Quarterly Report on Form 10-Q. 3 Includes loans made to borrowers who were employed at the time of origination at casinos/hotels that subsequently closed or declared bankruptcy. Ocean Shore (Atlantic City) Pro Forma Company1 (Atlantic City)   Direct Exposure (Collateral) (Residential + Consumer + Commercial Loans)   $M % of Total Loans % of Total Pro Forma Loans   Total   19.6 2.5 1.5   Indirect Exposure (Cash Flows) (Residential + Consumer Loans to Casino Workers) # $M2 % %   All Casinos 190 16.4 2.1 0.5   Troubled Casinos3 47 3.3 0.4 0.1 APPENDIX 7 Atlantic City Exposure

Serving Our Communities Recovering from Superstorm Sandy – Construction Financing 2013 – 2015 funded 287 loans = $117.2 million OceanFirst Foundation As of June 30, 2016, over $27.7 million has been granted to organizations serving the Bank’s market Provided $500,000 in grants dedicated to assisting our neighbors after Superstorm Sandy hit the Jersey Shore in 2012 First foundation established during a mutual conversion to IPO (July 1996) Cape Foundation to be merged into OceanFirst Foundation adding $4.5 million of assets to the existing $19.9 million of assets APPENDIX 8

Client Comments APPENDIX 9 CHEFS INTERNATIONAL INC. Robert Cooper – President “The relationship with OceanFirst goes back before my tenure, and I was the true benefactor of that successful affiliation. Whether we request a simple letter of credit or a complicated loan, OceanFirst listens to our needs and makes it happen. It’s that simple. OceanFirst knows how to make it happen.” NATIONWIDE IMAGING SERVICES INC. Robert Manetta – CEO “OceanFirst understands what I need to maintain and grow my business. They have been a banking partner that responds quickly and has always been there when I need them.” WOODHAVEN LUMBER & MILLWORK INC. Alan Robinson & David Robinson – Owners “Our relationship with OceanFirst goes back many years – through good economic times and tough ones. Even during the Great Recession, the bank stood by us, understood our needs and helped us reach the other side. Our OceanFirst relationship has contributed significantly to the growth and success of our business.” ROBEN MFG. CO., INC. Gary R. Huhn – Chief Operating Officer and President “For years, Roben Mfg. has relied on OceanFirst Bank’s expertise for recommending banking solutions that best serve our business. OceanFirst has enabled us to meet increased demands and triple our growth from a $3 million a year business into a $9 million a year business serving the chemical, petrochemical, pharmaceutical & food industries globally. We look forward to continuing this partnership with OceanFirst through the expansion of our manufacturing facility in 2016 and beyond.”

EX-99.2

Exhibit 99.2

Company Contact:

Jill Hewitt

Director of Investor Relations and

Corporate Communications

OceanFirst Financial Corp.

Tel: (732) 240-4500, ext. 7513

Email: jhewitt@oceanfirst.com

FOR IMMEDIATE RELEASE

OCEANFIRST FINANCIAL CORP.

TO PRESENT AT KEEFE BRUYETTE & WOODS

COMMUNITY BANK INVESTOR CONFERENCE

TOMS RIVER, NEW JERSEY, August 1, 2016…OceanFirst Financial Corp. (NASDAQ:“OCFC”), (the “Company”), the holding company for OceanFirst Bank (the “Bank”), today announced it will be presenting at the Keefe Bruyette & Woods Community Bank Investor Conference on August 2, 2016 at 11:30 a.m. Eastern Time.

During this presentation, OceanFirst’s CEO, Christopher D. Maher will discuss, among other things, the Company’s operations, including financial performance through June 30, 2016, as well as future initiatives and corporate objectives.

A simultaneous webcast of the Company’s presentation, including the slide presentation and any follow-up questions and answers will be available at OceanFirst’s website, www.oceanfirst.com, under Investor Relations. Through the webcast, viewers will be able to see and hear the presentation made at the conference. The online replay of the webcast will be available at OceanFirst’s website, www.oceanfirst.com, for 90 days after the event.

OceanFirst Financial Corp.’s subsidiary, OceanFirst Bank, founded in 1902, is a community bank with $4.0 billion in assets, $3.1 billion in loans, $3.2 billion in deposits and 50 branches located throughout central and southern New Jersey. OceanFirst Bank delivers commercial and residential financing solutions, wealth management and deposit services and is one of the largest and oldest community-based financial institutions headquartered in New Jersey.

OceanFirst Financial Corp.’s press releases are available by visiting us at www.oceanfirst.com.

Forward-Looking Statements

In addition to historical information, this news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: changes in interest rates, general economic conditions, levels of unemployment in the Bank’s lending area, real estate market values in the Bank’s lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company’s market area and accounting principles and guidelines. These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2015 and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.