Ocean County, New Jersey, a core county of the New York-Newark, NY-NJ-CT-PA market, holds $23.7B in deposits across 20 insured institutions and 136 branches. TD Bank, National Association is the largest deposit holder at 22.5% share. The top three institutions hold 47.5% of deposits, which places the county in the moderately concentrated band. Deposits have grown 26.9% since 2020 while the branch count fell by 22. It produces $24.6B of output, ranking #189 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 158 in 2020 to 136 in 2025. Institutions: 20 to 20. Top-three share: 46.2% to 47.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| TD Bank, National Association | $5.3B | 22.5% | +34% |
| OceanFirst Bank, National Association | $3.5B | 14.8% | +40% |
| JPMorgan Chase Bank, National Association | $2.4B | 10.3% | +80% |
| Wells Fargo Bank, National Association | $2.3B | 9.7% | +7% |
| Santander Bank, N.A. | $2.2B | 9.3% | +22% |
| Bank of America, National Association | $1.9B | 8.0% | +8% |
| PNC Bank, National Association | $1.5B | 6.3% | +102% |
| Provident Bank | $972M | 4.1% | +316% |
| Manasquan Bank | $797M | 3.4% | +79% |
| Citizens Bank, National Association | $621M | 2.6% | -41% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the New York-Newark market
Ocean County is one of 30 counties that make up the New York-Newark, NY-NJ-CT-PA market, a Combined Statistical Area (ranked #1 of 293 U.S. markets by economic output). It produces 1.2% of the market’s output and holds 0.8% of its deposits.
| Measure | Ocean County | Share of New York-Newark market |
|---|---|---|
| 2024 GDP | $24.6B | 1.2% |
| Deposits | $23.7B | 0.8% |
| Population | 673,746 | 3.0% |
View the full New York-Newark market profile →
Recruiting in Ocean County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Ocean County, on a retained basis.
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