Oriental Bank
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
$12.0BAssets
$8.3BLoans
$10.0BDeposits
$1.3BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks over $10B in assets (rank 12 of 144).
- Widest gap: net charge-offs / loans trails 91% of banks over $10B in assets (rank 130 of 142).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $278.6M · efficiency ratio beats 68% of banks over $10B in assets | 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 |