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STATES\n\nSECURITIES AND EXCHANGE COMMISSION\n\nWashington, DC 20549\n\nFORM 10-K\n\n☒ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the fiscal year ended December 31, 2025\n\n☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\n\nFor the transition period from              to             .\n\nCommission file number: 001-11713\n\nOceanFirst Financial Corp.\n\n(Exact name of registrant as specified in its charter)\n\nDelaware 22-3412577\n\n(State or other jurisdiction of\nincorporation or organization) (I.R.S. Employer\nIdentification No.)\n\n110 West Front Street, Red Bank, New Jersey 07701\n\n(Address of principal executive offices)\n\nRegistrant’s telephone number, including area code: (732) 240-4500\n\nSecurities registered pursuant to Section 12(b) of the Act:\n\nTitle of each classTrading symbolName of each exchange in which registered\n\nCommon stock, $0.01 par value per shareOCFCNASDAQ\n\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    Yes  x    No  ¨.\n\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.    Yes  ¨    No  x.\n\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x   No  ¨.\n\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  x    No  ¨\n\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.\n\nLarge accelerated filer\n x\nAccelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐\n\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised final accounting standards provided pursuant to Section 13(a) of the Exchange Act.    o\n\nIndicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒\n\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issued financial statements. ☐\n\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐\n\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).    Yes  ☐    No  ☒.\n\nThe aggregate market fair value of the voting and non-voting common equity held by non-affiliates of the registrant, i.e., persons other than the directors and executive officers of the registrant, was $977,631,160 based upon the closing price of such common equity as of the last business day of the registrant’s most recently completed second fiscal quarter.\n\nThe number of shares outstanding of the registrant’s Common Stock as of February 19, 2026 was 57,402,016.\n\nDOCUMENTS INCORPORATED BY REFERENCE\n\nPortions of the Proxy Statement for the 2026 Annual Meeting of Stockholders, which will be filed with the Securities and Exchange Commission within 120 days from December 31, 2025, are incorporated by reference into Part III of this Form 10-K.\n\nINDEX\n\n \n\n  PAGE\n\nPART I"}