San Juan, PR · Cert 31469 · Ofg Bcorp
State charter, non-member · FDIC · 45 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
11
Profitability
87
Liquidity
92
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Juan, PR · Cert 31469 · Ofg Bcorp
State charter, non-member · FDIC · 45 branches
Q2 2026
Market Position · San Juan-Bayamon-Caguas, PR · 2026 SOD (annual) · 11.2% share · #3 of 6 inst. · $8.4B of $74.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.65% | 1.52% | 1.59% | 1.59% | 1.59% | 1.74% | 1.80% | +21 bps | |
| Return on Equity | 16.40% | 16.15% | 14.81% | 15.54% | 15.35% | 15.23% | 16.07% | 16.60% | +106 bps | |
| Net Interest Margin | 5.25% | 5.19% | 5.19% | 5.12% | 5.04% | 5.01% | 5.17% | 5.21% | +9 bps | |
| Efficiency Ratio | 51.48% | 52.37% | 51.15% | 51.28% | 51.49% | 52.92% | 49.66% | 51.71% | +42 bps | |
| Non-Interest Burden | 2.34% | 2.37% | 2.31% | 2.28% | 2.26% | 2.33% | 2.16% | 2.30% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.89% | 1.63% | 5.10% | 8.54% | 6.93% | 8.49% | 3.24% | -0.52% | -905 bps | |
| Loan Growth (YoY) | 6.57% | 3.27% | 3.98% | 7.04% | 4.73% | 5.21% | 4.76% | 1.29% | -575 bps | |
| Deposit Growth (YoY) | 12.45% | -1.67% | 3.90% | 5.57% | 4.11% | 6.80% | -0.78% | -1.57% | -714 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.79% | 1.92% | 1.90% | 1.94% | 2.01% | 2.46% | 2.29% | 1.59% | -35 bps | |
| Net Charge-Offs / Loans | 0.89% | 0.87% | 1.04% | 0.81% | 0.87% | 0.98% | 1.04% | 1.21% | +40 bps | |
| Allowance / Loans | 2.08% | 2.25% | 2.30% | 2.32% | 2.43% | 2.46% | 2.47% | 2.27% | -5 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 1.2x | 1.2x | 1.0x | 1.1x | 1.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.38% | 10.45% | 9.84% | 10.07% | 10.23% | 10.31% | 10.45% | 10.57% | +51 bps | |
| Total Risk-Based Capital | 14.63% | 14.86% | 14.21% | 14.21% | 14.67% | 14.70% | 14.43% | 14.48% | +27 bps | |
| Equity / Assets | 10.78% | 10.41% | 10.10% | 10.16% | 10.72% | 10.75% | 10.90% | 10.94% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.73% | 81.25% | 79.21% | 80.77% | 81.21% | 80.04% | 83.64% | 83.11% | +234 bps | |
| Liquid Assets / Assets | 7.54% | 6.99% | 7.31% | 8.31% | 7.64% | 9.74% | 6.61% | 7.17% | -114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 113.10% | 105.23% | 105.45% | n/a | n/a | |
San Juan, PR · Cert 31469 · Peer group: banks over $10B in assets (n=142-144) · Ofg Bcorp
State charter, non-member · FDIC · 45 branches
Q2 2026
Return on Assets
1.82%
Rank 20 of 144
Net Interest Margin
5.21%
Rank 12 of 144
Efficiency Ratio
52.25%
Rank 47 of 144
Equity / Assets
10.94%
Rank 84 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 1.00% | 1.26% | 1.54% | Beats 86% | 20 / 144 | ||
| Return on Equity | 16.61% | 8.98% | 11.34% | 14.40% | Beats 82% | 26 / 144 | ||
| Net Interest Margin | 5.21% | 2.82% | 3.31% | 3.68% | Beats 92% | 12 / 144 | ||
| Efficiency Ratio | 52.25% | 49.42% | 56.02% | 62.41% | Beats 68% | 47 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.48% | 0.73% | 1.07% | Beats 12% | 126 / 142 | ||
| Net Charge-Offs / Loans | 0.84% | 0.05% | 0.11% | 0.22% | Beats 9% | 130 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.22% | 12.07% | 12.98% | 14.92% | Beats 57% | 62 / 144 | ||
| Total Risk-Based Capital Ratio | 14.48% | 13.39% | 14.14% | 16.25% | Beats 56% | 64 / 144 | ||
| Equity / Assets | 10.94% | 9.69% | 11.39% | 12.96% | Beats 42% | 84 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.11% | 75.72% | 84.92% | 91.56% | 43rd pctl | 82 / 143 | ||
| Loans / Assets | 68.96% | 59.83% | 69.07% | 74.80% | 48th pctl | 75 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||