George Destafney, EVP of OceanFirst Financial (OCFC), discusses the business and the American consumer. He is “just not seeing” consumer weakness, though he acknowledges that there are some “pockets” struggling. He says average balances at OceanFirst are “remarkably flat” year-over-year, with their clients holding about $22,000. He also talks about how the bank is preparing to deal with tariffs and trade uncertainty.