RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 27, 2026, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2026. That press release is attached to this Report as Exhibit 99.1. The information included in this item and the related presentation is being furnished to the SEC and shall not be deemed “filed” for any purpose.

OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on November 20, 2026 to the stockholders of record at the close of business on November 9, 2026.

RESULTS OF OPERATIONS AND FINANCIAL CONDITION On July 30, 2026, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. That press release is attached to this Report as Exhibit 99.1. The information included in this item and the related presentation is being furnished to the SEC and shall not be deemed “filed” for any purpose.

OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on August 21, 2026 to the stockholders of record at the close of business on August 10, 2026.

OTHER EVENTS On June 29, 2026, OceanFirst Financial Corp. (the "Company") issued a press release announcing the completion of the previously announced sale of multifamily loans that the Company acquired in its recently completed acquisition of Flushing Financial Corporation. A copy of the press release is filed as Exhibit 99.1 to this Current Report on Form 8-K, and is incorporated herein by reference.

OTHER EVENTS On June 8, 2026, OceanFirst Financial Corp. (the "Company") issued a press release announcing the proposed sale of multifamily loans that the Company acquired in its recently completed acquisition of Flushing Financial Corporation. A copy of the press release is filed as Exhibit 99.1 to this Current Report on Form 8-K, and is incorporated herein by reference.

Entry into a Material Definitive Agreement. The information set forth in

Director — John F. Barros, Kimberly M. Guadagno, Joseph M. Murphy, Jr.: Three directors departed without a successor being explicitly named.

Material Modifications to Rights of Security Holders. In connection with the consummation of the Investment, OceanFirst filed a Certificate of Designations with the Secretary of State of the State of Delaware (the “ Delaware Secretary ”) for the purpose of creating the NVCE Stock (the “ Certificate of Designations ”). The Certificate of Designations was filed on May 29, 2026. The foregoing summaries and referenced descriptions of the terms of the NVCE Stock are qualified in their entirety by…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. At the effective time of the Second-Step Merger (the “ Second Effective Time ”), in connection with the Closing, OceanFirst assumed Flushing’s obligations with respect to an aggregate principal amount of $251,857,000 of subordinated debt and junior subordinated debt securities, which were previously issued by Flushing, comprising of (a) $125,000,000 in aggregate principal amount…

Completion of Acquisition or Disposition of Assets. The information set forth in the Introductory Note of this Current Report on Form 8-K is incorporated by reference into this

Unregistered Sale of Equity Securities. Investment Agreement On the Closing Date, OceanFirst (a) issued and sold to affiliates of funds managed by Warburg Pincus LLC (“ Warburg ”), for an aggregate purchase price of $225 million, approximately (i) 9.5 million shares of OceanFirst Common Stock, at $19.76 per share of OceanFirst Common Stock and (ii) 1,812 shares of a new class of OceanFirst non-voting, common-equivalent stock (“ NVCE Stock ”) representing the economic equivalent of approximate…

The filing is about the approval of a stock incentive plan and related documents, not a management change.

RESULTS OF OPERATIONS AND FINANCIAL CONDITION On April 23, 2026, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended March 31, 2026. That press release is attached to this Report as Exhibit 99.1. The information included in this item and the related presentation is being furnished to the SEC and shall not be deemed “filed” for any purpose.

OTHER EVENTS On April 15, 2026 , the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on May 8, 2026 to the stockholders of record at the close of business on April 27, 2026.

RESULTS OF OPERATION AND FINANCIAL CONDITION On January 22, 2026, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended December 31, 2025. That press release is attached to this Report as Exhibit 99.1. The information included in this item and the related presentation is being furnished to the SEC and shall not be deemed “filed” for any purpose.

OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on February 13, 2026 to the stockholders of record at the close of business on February 2, 2026.

Entry into a Material Definitive Agreement. Merger Agreement On December 29, 2025, OceanFirst Financial Corp., a Delaware corporation (“ OceanFirst ”), Flushing Financial Corporation, a Delaware corporation (“ Flushing ”), and Apollo Merger Sub Corp., a Delaware corporation and wholly-owned subsidiary of OceanFirst (“ Merger Sub ”), entered into an Agreement and Plan of Merger (the “ Merger Agreement ”). On the terms and subject to the conditions set forth in the Merger Agreement, (a) Merger…

The issuances of the shares pursuant to the Investment Agreement of OceanFirst Common Stock, NVCE Stock, the Warrant and shares issued pursuant to exercise of the Warrant are intended to be exempt from registration under the Securities Act, by virtue of the exemption provided by Section 4(a)(2) of the Securities Act.

Entry Into A Material Definitive Agreement Underwriting Agreement. On October 27, 2025, OceanFirst Financial Corp. (the “Company”), entered into an underwriting agreement (the “Underwriting Agreement”) with Piper Sandler & Co. and Keefe, Bruyette & Woods, Inc. (the “Underwriters”). Pursuant to the Underwriting Agreement, the Company issued and sold $185,000,000 aggregate principal amount of 6.375% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”) at a public offering price equa…

Creation of a Direct Financial Obligation or an Obligation under and Off-Balance Sheet Arrangement of a Registrant The information set forth in

RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 22, 2025, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2025. That press release is attached to this Report as Exhibit 99.1. The information included in this item and the related presentation is being furnished to the SEC and shall not be deemed “filed” for any purpose.

OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on November 14, 2025 to the stockholders of record at the close of business on November 3, 2025.

RESULTS OF OPERATIONS AND FINANCIAL CONDITION On July 24, 2025, OceanFirst Financial Corp. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2025. That press release is attached to this Report as Exhibit 99.1.

OTHER EVENTS In the press release described in Item 2.02, the Company announced that the Board of Directors declared a regular quarterly cash dividend on the Company’s outstanding common stock. The cash dividend will be in the amount of $0.20 per share and will be payable on August 15, 2025 to the stockholders of record at the close of business on August 4, 2025.