Comments on: NCRC Comment Opposing OceanFirst and Flushing Merger https://ncrc.org/ncrc-comment-opposing-oceanfirst-and-flushing-merger/?utm_source=rss&utm_medium=rss&utm_campaign=ncrc-comment-opposing-oceanfirst-and-flushing-merger National Community Reinvestment Coalition Fri, 06 Mar 2026 20:16:26 +0000 hourly 1 https://wordpress.org/?v=7.0.4 By: Len https://ncrc.org/ncrc-comment-opposing-oceanfirst-and-flushing-merger/#comment-25572 Fri, 06 Mar 2026 20:16:26 +0000 https://ncrc.org/?p=282633#comment-25572 The analysis is very interesting. However, we don’t understand the calculations regarding branch distribution. The table appears to show that Ocean’s First maintains 7 branches in MMCTs and the competition maintains 784 branches in those tracts. But we don’t understand the calculation of the 19.44% disparity. We assume that it means the relative percentage of branches in the MMCTs, but it’s not entirely clear. Are we correct in that conclusion? What is the percentage of Ocean’s First branches in MMCTs and what is the percentage for all other banks? Why don’t the details add up to the Grand Total? For example, you show a total of 7 OF branches in MMCTs but display only 3 branches in the MMCTs in 2 MSAs.

Thank you for presenting this interesting and provocative information regarding underserved communities.

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