Bank Comparison
Oriental Bank vs Happen Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.17% | 15.48% |
| Tier 1 Capital Ratio | 13.17% | 15.48% |
| Total Capital Ratio | 14.43% | 16.75% |
| Tier 1 Leverage Ratio | 10.45% | 10.89% |
| Equity / Assets | 10.90% | 11.50% |
Profitability
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.76% | 1.76% |
| Return on Equity (ROE) | 16.07% | 15.29% |
| Net Interest Margin (NIM) | 5.34% | 6.26% |
| Yield on Earning Assets | 6.70% | 9.29% |
| Cost of Funds | 1.48% | 3.36% |
Asset quality
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| Texas Ratio | 13.65% | 6.52% |
| Non-Performing Loan Ratio | 1.51% | 1.40% |
| Non-Performing Asset Ratio | 1.06% | 0.80% |
| Net Charge-Off Ratio | 1.04% | 2.33% |
| ACL / Loans | 2.47% | 3.51% |
Balance sheet
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| Total Assets | $11,965M | $11,845M |
| Total Deposits | $9,856M | $10,282M |
| Total Loans | $8,244M | $6,774M |
| Total Equity | $1,304M | $1,362M |
| Net Income (quarter) | $52,967K | $51,001K |
Liquidity & funding
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.64% | 65.88% |
| Core Deposit Ratio | 85.48% | 88.63% |
| Uninsured Deposit Ratio | 51.91% | 12.25% |
Identity
| Metric | Oriental Bank | Happen Bank, N.A. |
|---|---|---|
| Headquarters City | SAN JUAN | LEHI |
| Headquarters State | PR | UT |
| Asset Tier | 3: $10B-100B | 3: $10B-100B |
| Charter Class | 0 | 25228 |
| Regulator | FDIC | OCC |
| Domestic Branches | 45 | 3 |
| Employees (FTE) | 2,153 | 1,104 |
| Established | March 25, 1965, midnight | Aug. 26, 1987, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Oriental Bank profile | View full Happen Bank, N.A. profile | Browse all bank comparisons