Ocean County, New Jersey, a core county of the New York-Newark, NY-NJ-CT-PA market, holds $24.5B in deposits across 22 insured institutions and 132 branches. TD Bank is the largest deposit holder at 21.6% share. The top three banks hold 47% of deposits, which places the county in the Moderate band. Deposits have grown 13.6% since 2021 while the branch count fell by 13.2%. It produced $24.6B of real gross domestic product in 2024, ranking #189 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 152 in 2021 to 132 in 2026. Institutions: 20 to 22. Top-three share: 46% to 47%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| TD Bank | $5.3B | 21.6% | +10% |
| OceanFirst Bank | $3.5B | 14.1% | +31% |
| JPMorgan Chase Bank | $2.7B | 11.1% | +47% |
| Wells Fargo Bank | $2.3B | 9.5% | -4% |
| Santander Bank | $2.2B | 8.8% | +7% |
| Bank of America | $1.9B | 7.6% | -8% |
| PNC Bank | $1.5B | 6.0% | +56% |
| Provident Bank | $951M | 3.9% | -16% |
| Manasquan Bank | $854M | 3.5% | +48% |
| First Commerce Bank | $701M | 2.9% | +152% |
| Citizens Bank | $677M | 2.8% | -42% |
| Kearny Bank | $554M | 2.3% | +26% |
| Manufacturers and Traders Trust Company | $509M | 2.1% | -26% |
| Fulton Bank | $386M | 1.6% | +42% |
| Flagstar Bank | $246M | 1.0% | +44% |
| The Bank of Princeton | $98M | 0.4% | +138% |
| Truist Bank | $61M | 0.2% | +39% |
| Unity Bank | $61M | 0.2% | no 2021 presence |
| Apple Bank | $32M | 0.1% | no 2021 presence |
| Crown Bank | $22M | 0.1% | -43% |
| Dime Commercial Bank | $22M | 0.1% | no 2021 presence |
| Metropolitan Commercial Bank | $21M | 0.1% | no 2021 presence |
The 22 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
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 parent market |
|---|---|---|
| 2024 GDP | $24.6B | 1.2% |
| Deposits | $24.5B | 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.
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