Two River Community Bank
OceanFirst Bank N.A. is a publicly traded, FDIC-insured community bank founded in 1905, serving over 230,000 personal, small business, and commercial customers across multiple Northeast U.S. states through branch and digital banking channels.
- Company typePublic
- Founded1905
- HeadquartersToms River, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Two River Community Bank does
OceanFirst Bank N.A. (operating as OceanFirst Bank) is a publicly traded community bank founded in 1905 and headquartered in Red Bank, New Jersey. The bank serves over 230,000 customers across multiple Northeast U.S. states through four primary business lines: Personal Banking, Small Business Banking, Commercial Banking & Treasury Management, and Trust & Estate Services. Core offerings include checking, savings, certificates of deposit, personal and mortgage loans, small business and commercial lending, merchant services, treasury management, and fiduciary services. The bank is FDIC-insured and operates under NMLS #409701, and maintains an investor relations function suggesting public ownership.
The bank operates a digital banking platform combining a physical branch network with online and mobile channels. Technology components include a mobile banking app, online banking portal, Video Teller services at ATMs that connect customers to local bankers, and merchant/commercial platforms (OFBCONNECT for commercial financial management, OFBESCROW for escrow management, RDC drivers). Customer-facing digital tools include Tap to Pay, Bill Pay, and Zelle integration. Distribution combines sales-led direct channels (branches, commercial relationship managers, treasury management teams) with self-service digital acquisition (online account opening and loan applications).
Revenue is generated through five primary streams: interest income from lending (personal, mortgage, small business, commercial loans including equipment loans and lines of credit), deposit account fees, certificate of deposit product spreads, trust and estate fiduciary services, and treasury management fees. Deposit pricing is publicly disclosed across multiple CD terms (4-month at 3.92% APY, 6-month at 3.85% APY, 11-month at 3.72% APY, 18-month at 3.60% APY) and a tiered FirstWave Money Market account (rates scaling from 0.05% to 2.50% APY). Go-to-market is community-led: local branch presence, the CommUNITYFirst referral program linking customer accounts to nonprofit partners that receive quarterly donations, corporate sponsorships, content marketing via the Learning Center, and active social media presence.
Two River Community Bank firmographics
Firmographics- Name
- Two River Community Bank
- Legal name
- OceanFirst Bank N.A.
- Website
- https://tworiver.bank
- Company type
- Public
- Founded year
- 1905
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OceanFirst Bank N.A. is a publicly traded, FDIC-insured community bank founded in 1905, serving over 230,000 personal, small business, and commercial customers across multiple Northeast U.S. states through branch and digital banking channels.
- Ownership category
- akta.pro rank
Two River Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where Two River Community Bank is headquartered
LocationHeadquarters
- HQ city
- Toms River
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Two River Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income from Lending: Interest earned on personal loans, mortgages, small business loans, and commercial loans including equipment loans and lines of credit
- Deposit Account Fees: Fees from checking, savings, and money market account services
- Certificate of Deposit Products: Term deposit products generating interest expense while deploying customer funds into lending
- Trust and Estate Services: Fiduciary services, trust administration, charitable planning, and estate planning services
- Treasury Management Services: Funds management, risk management, information management, and merchant services for commercial clients
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 4-Month CD Special |
| Subscription | Annual | 6-Month CD Special |
| Subscription | Annual | 11-Month CD Special |
| Subscription | Annual | 18-Month CD Special |
| Subscription | Monthly | FirstWave Money Market - Tiered Rates |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Two River Community Bank product offering
Product offeringCore offering
Two River Community Bank is a community bank providing personal, small business, and commercial banking services including checking, savings, certificates of deposit (CDs), money market accounts, personal and commercial lending, treasury management, merchant services, and trust and estate services. Products are distributed through a physical branch network combined with digital banking channels including mobile banking, online banking, Video Teller services, Tap to Pay, Bill Pay, and Zelle integration.
Product overview
OceanFirst Bank offers a comprehensive suite of banking solutions organized around five core areas: Personal Banking (checking, savings, CDs, lending, investing), Small Business Banking (checking, Money Market, savings, loans, digital banking), Commercial Banking & Treasury Management (credit cards, accounts, merchant services, OFBCONNECT, OFBESCROW, RDC drivers), Trusts & Estate Services, and Community Programs. The bank provides various deposit products including multiple CD terms (4, 6, 11, 18 months) with competitive rates and the FirstWave Money Market account. Digital banking services are accessible through online and mobile platforms with features like Video Teller, Tap to Pay, Bill Pay, and Zelle integration.
Differentiator
Problem solved
Functional benefit
Brands
- CommUNITYFirst Program: A program linking eligible OceanFirst accounts to participating nonprofits, which receive quarterly donations from the bank.
- OFBCONNECT
- OFBESCROW
- FirstWave Money Market
Products and services
- Personal Banking
Quantifiable outcome
- Serves over 230,000 customers from families to businesses
Companies that use Two River Community Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Two River Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Two River Community Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Two River Community Bank competitors and assessment
Company assessmentDirect peers
- Kearny Financial (Kearny Bank): New Jersey-headquartered community bank with a multi-state branch network focused on retail and small business deposit gathering and mortgage lending; similar mutual-savings heritage and customer base.
- Northfield Bancorp (Northfield Bank): Staten Island, NY-headquartered community bank with branches across NY and NJ focused on retail deposits, multifamily lending, and small business banking; closely matches OceanFirst's NJ footprint and product profile.
- Peapack-Gladstone Financial (Peapack Private Bank & Trust): New Jersey-based private bank and trust company offering commercial banking, wealth management, and trust services to HNW and commercial clients; directly comparable in NJ geography, trust capabilities, and commercial banking mix.
- Lakeland Bancorp (Lakeland Bank): New Jersey community bank providing commercial, consumer, and small business banking plus treasury management; highly comparable in size, regional footprint, and product suite to OceanFirst.
- Customers Bancorp (Customers Bank): Mid-Atlantic commercial bank with strong commercial lending, small business, and treasury management offerings serving clients in the Northeast; comparable commercial-banking focus and regional scale.
- Tompkins Financial (Tompkins Community Bank): Northeast regional community bank offering consumer, small business, commercial lending, and wealth services across NY and surrounding states; comparable multi-state community-banking model and product mix.
- Provident Financial Services: New Jersey-based community bank operating under Provident Bank, offering consumer, commercial, and wealth management products; directly comparable regional competitor serving overlapping NJ/Northeast customers.
- WSFS Financial (WSFS Bank): Mid-Atlantic regional bank headquartered in Delaware with branches across PA, NJ, DE, and surrounding states offering consumer, commercial, and wealth services; comparable in multi-state mid-Atlantic regional presence.
- Valley National Bank (Valley National Bancorp): New Jersey-headquartered commercial and retail bank offering consumer, small business, and commercial lending, treasury, and wealth services; the largest direct in-state peer and closest comparable in market, product mix, and customer base.
- ConnectOne Bancorp (ConnectOne Bank): New Jersey/New York-based commercial bank serving consumers, small businesses, and commercial clients with deposit, lending, and treasury products; comparable scale, geography, and customer mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Two River Community Bank social profiles
Digital presenceTwo River Community Bank compliance and trust
Trust signalCompliance2 records
Two River Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Two River Community Bank leadership team
Management profileNumber of profiles
Two River Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Two River Community Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Two River Community Bank
What does Two River Community Bank do?
Two River Community Bank is a community bank providing personal, small business, and commercial banking services including checking, savings, certificates of deposit (CDs), money market accounts, personal and commercial lending, treasury management, merchant services, and trust and estate services. Products are distributed through a physical branch network combined with digital banking channels including mobile banking, online banking, Video Teller services, Tap to Pay, Bill Pay, and Zelle integration.
Is Two River Community Bank a public or private company?
Two River Community Bank is a public company. It is classified as public and is currently operating.
When was Two River Community Bank founded?
Two River Community Bank was founded in 1905. It employs 51 to 100 people.
Where is Two River Community Bank based?
Two River Community Bank is headquartered in Toms River, United States, in the North America region.
How does Two River Community Bank make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees, certificate of Deposit Products, trust and Estate Services and treasury Management Services.
Who are Two River Community Bank's main competitors?
Direct peers on record are Kearny Financial (Kearny Bank), Northfield Bancorp (Northfield Bank), Peapack-Gladstone Financial (Peapack Private Bank & Trust), Lakeland Bancorp (Lakeland Bank), Customers Bancorp (Customers Bank), Tompkins Financial (Tompkins Community Bank), Provident Financial Services, WSFS Financial (WSFS Bank), Valley National Bank (Valley National Bancorp) and ConnectOne Bancorp (ConnectOne Bank).
Does Two River Community Bank have an API?
No public API is recorded for Two River Community Bank.
What industry is Two River Community Bank in?
Two River Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6021.