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  <xs:element id="ocfc_OtherComprehensiveIncomeAccretionOfFairValueAdjustmentOnHeldToMaturitySecuritiesTax" abstract="false" name="OtherComprehensiveIncomeAccretionOfFairValueAdjustmentOnHeldToMaturitySecuritiesTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AccretionOfUnrealizedLossOnSecuritiesReclassifiedToHeldToMaturity" abstract="false" name="AccretionOfUnrealizedLossOnSecuritiesReclassifiedToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_NoncashOrPartNoncashAcquisitionFederalHomeLoanBankAdvances" abstract="false" name="NoncashOrPartNoncashAcquisitionFederalHomeLoanBankAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_ReverseRepurchaseAgreementMember" abstract="true" name="ReverseRepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleSecuritiesToHeldToMaturity" abstract="false" name="OtherComprehensiveIncomeLossTransfersFromAvailableForSaleSecuritiesToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_ScheduleofWeightedAverageRemainingLeaseTermandDiscountRateTableTextBlock" abstract="false" name="ScheduleofWeightedAverageRemainingLeaseTermandDiscountRateTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_MortgagesHeldforsaleCarryingValue" abstract="false" name="MortgagesHeldforsaleCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_NoncashOrPartNoncashAcquisitionAdvancesToFederalHomeLoanBank" abstract="false" name="NoncashOrPartNoncashAcquisitionAdvancesToFederalHomeLoanBank" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_IncomeFromPremisesEquipmentAndRightOfUseAsset" abstract="false" name="IncomeFromPremisesEquipmentAndRightOfUseAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_NumberOfBranchLocations" abstract="false" name="NumberOfBranchLocations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ocfc_FairValueOfImpairedLoansMember" abstract="true" name="FairValueOfImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" abstract="true" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_CommercialAndIndustrialPortfolioSegmentMember" abstract="true" name="CommercialAndIndustrialPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
