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 | |