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Oriental Bank
San Juan, PR·FDIC Cert #31469·Charter: STATE·Est. 19650325.0·HC: OFG BCORP
Total Assets
$12.4B
Q4 2025
Return on Assets
1.59%
+0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.92%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.59%+0.00
ROE
15.23%-0.12
Efficiency
52.92%+1.43
Equity/Assets
0.00%+0.00
NPL Ratio
2.52%+0.46
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.07%-1.16
Charge-offs
1.00%+0.11
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.7 | 1.5 | 1.6 | 1.6 | 1.6 |
| ROE | 17.4 | 17.3 | 16.4 | 16.1 | 14.8 | 15.5 | 15.3 | 15.2 |
| Efficiency | 51.2 | 51.4 | 51.5 | 52.4 | 51.2 | 51.3 | 51.5 | 52.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 1.5 | 1.8 | 2.0 | 1.9 | 2.0 | 2.1 | 2.5 |
| Charge-offs | 1.0 | 0.9 | 0.9 | 0.9 | 1.0 | 0.8 | 0.9 | 1.0 |
| Loan/Deposit | 77.5 | 78.0 | 79.1 | 79.4 | 77.4 | 78.9 | 79.2 | 78.1 |
Balance Sheet
Total Assets$12.4B
Total Deposits$10.3B
Total Loans$8.0B
Total Equity$1.3B
Profitability
ROA1.59%
ROE15.23%
Efficiency Ratio52.92%
Net Income$189.5M
Risk & Asset Quality
NPL Ratio2.52%
Charge-off Rate1.00%
Loan/Deposit78.07%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans