ORIENTAL BANK

SAN JUAN, PR | Regional | Est. March 25, 1965, midnight | FDIC #31469 | RSSD #245276 | FDIC
Latest Report: 2025-12-31

ORIENTAL BANK is arn regional FDIC-insured commercial bank headquartered in SAN JUAN, PR, established in March 25, 1965, midnight. As of 2025-12-31, the bank reported total assets of $12.4B and total deposits of $10.3B. Profitability stands at 1.59% ROA and 14.82% ROE, with a net interest margin of 5.47%. The bank's CET1 capital ratio is 13.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.63% and a Texas Ratio of 8.91%. FDIC Certificate #31469.

Assets

$12.4B

Deposits

$10.3B

Loans

$8.2B

Equity

$1.3B

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 14.82%
Net Interest Margin (NIM) 5.47%
Yield on Assets 7.01%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 1.63%
Net Charge-Off Ratio 0.98%
Texas Ratio 8.91%
NPA Ratio 1.10%
ACL / Loans 2.46%

Capital & Liquidity

CET1 Ratio 13.44%
Tier 1 Capital 13.44%
Total Capital Ratio 14.70%
Leverage Ratio 10.31%
Loan-to-Deposit 80.04%

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