Oriental Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Oriental Bank earns an unusually wide margin on its lending. The San Juan, Puerto Rico bank had $12.0 billion in assets at June 30, 2026. It keeps 5.48 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also lost 1.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.7%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.85% of loans, down from 1.33% a year earlier. Net income for the quarter rose 14% from a year earlier, to $56 million. Funding is the softer spot: it holds about half of its deposits (52%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
As of June 30, 2026, Oriental Bank reported a CET1 capital ratio of 13.22%, a return on assets of 1.87%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 5.11%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 254 Munoz Rivera, San Juan, PR 00918
- County
- San Juan
- Metro Area
- San Juan-Bayamon-Caguas, PR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 25, 1965
- Former names
- Oriental Bank and Trust (1994-2013)
- Offices
- 45 domestic
- Employees (FTE)
- 2,156
- Domestic deposits
- $9.99B
- Allowance for credit losses
- $188.3M
- Net charge-offs (YTD)
- $50.2M
- Average total assets
- $12.10B
- Average total loans
- $8.29B
- Average interest-bearing deposits
- $7.17B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31469
- Fed RSSD
- 245276
- SEC CIK
- 1030469 → filed by OFG BANCORP
- Website
- http://www.orientalbank.com →
- Parent Holding Company
- OFG BANCORP (RSSD 2490575) · OFG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Fernandez Jose Rafael | CEO | CEO; Chairman BOD |
| Maritza Arizmendi | CFO | Chief Financial Officer |
| Hugh Gonzalez | GC | General Counsel |
| Cesar A Ortiz | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Oriental Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Oriental Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Oriental Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 1.87% | 1.59% | 5.11% | 5.48% |
| Q1 2026 | 13.17% | 1.76% | 2.29% | 8.97% | 5.34% |
| Q4 2025 | 13.44% | 1.58% | 2.46% | 9.72% | 5.23% |
| Q3 2025 | 13.41% | 1.57% | 2.01% | 8.03% | 5.33% |
| Q2 2025 | 12.95% | 1.66% | 1.94% | 8.41% | 5.35% |
| Q1 2025 | 12.95% | 1.50% | 1.90% | 8.08% | 5.37% |
| Q4 2024 | 13.60% | 1.58% | 1.92% | 7.62% | 5.48% |
| Q3 2024 | 13.38% | 1.57% | 1.79% | 7.22% | 5.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 45 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oriental Bank (main office) | San Juan , PR | 00918 | $4.24B |
| San Patricio Branch | Guaynabo , PR | 00968 | $396.7M |
| Plaza Las Americas Branch | San Juan , PR | 00918 | $334.1M |
| Santa Maria | Guaynabo , PR | 00969 | $243.5M |
| Hato Rey-Pinero Branch | San Juan , PR | 00918 | $213.8M |
| Oriental Center Branch | San Juan , PR | 00918 | $210.4M |
| Condado Branch | Condado , PR | 00907 | $204.9M |
| Mayaguez Mall Branch | Mayaguez , PR | 00680 | $204.4M |
| Los Paseos | Rio Piedras , PR | 00926 | $187.8M |
| Plaza Carolina Branch | Carolina , PR | 00983 | $186.7M |
| Charlotte Amalie Branch | Charlotte Amalie , VI | 00802 | $183.9M |
| Plaza Del Sol Branch | Bayamon , PR | 00961 | $179.4M |
| Manati Branch | Manati , PR | 00674 | $164.5M |
| Las Catalinas Branch | Caguas , PR | 00725 | $158.3M |
| Caguas Branch | Caguas , PR | 00725 | $152.0M |
| Humacao Branch | Humacao , PR | 00791 | $147.6M |
| Christiansted Branch | Christiansted , VI | 00820 | $142.0M |
| Ponce Branch | Ponce , PR | 00731 | $134.6M |
| Aguadilla Branch | Aguadilla , PR | 00603 | $134.0M |
| Las Americas Ave., Road #2 | Ponce , PR | 00731 | $122.7M |
| Hatillo | Hatillo , PR | 00659 | $122.3M |
| Ponce La Rambla | Ponce , PR | 00731 | $116.3M |
| Cupey Plaza | San Juan , PR | 00926 | $107.8M |
| Bayamon Betances Branch | Bayamon , PR | 00958 | $106.5M |
| Plaza Fajardo Branch | Fajardo , PR | 00738 | $105.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 2019 | M&A | Acquired Scotiabank de Puerto Rico merger for the acquired bank | SEC |
| December 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2019 | Structure Change | Acquired Scotiabank de Puerto Rico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 19, 2012 | M&A | Acquired Banco Bilbao Vizcaya Argentaria Puerto Rico merger for the acquired bank | SEC |
| December 19, 2012 | Structure Change | Acquired Banco Bilbao Vizcaya Argentaria Puerto Rico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2010 | M&A | Acquired Eurobank failure_government_assistance_provided for the acquired bank | SEC |
| May 1, 2010 | Structure Change | Acquired Eurobank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 30, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Oriental Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 11.3% of deposits in PR, rank 3 of 6 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,708 applications, 928 loans originated, $191.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 99 loans, $23.3M approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 95 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Oriental Bank
What are Oriental Bank's total assets?
As of the Q2 2026 filing, Oriental Bank reported total assets of $12.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Oriental Bank headquartered?
Oriental Bank is headquartered in San Juan, PR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Oriental Bank founded?
Oriental Bank was established in 1965, per the FDIC institution directory.
Is Oriental Bank FDIC-insured?
Yes. Oriental Bank is an FDIC-insured commercial bank (FDIC Certificate #31469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oriental Bank?
Oriental Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Oriental Bank's CET1 capital ratio?
Oriental Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oriental Bank operate?
Oriental Bank operates 45 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oriental Bank's Texas Ratio?
Oriental Bank's Texas Ratio is 5.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Oriental Bank previously called?
The charter now named Oriental Bank has also operated as Oriental Bank and Trust (1994-2013), per FDIC structure-change records.
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