Oriental Bank
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Data as of · sourced from FFIEC call reports. How we update
Oriental Bank is an FDIC-insured commercial bank headquartered in San Juan, PR, established in 1965 (FDIC certificate 31469), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $12.04B, down 0.5% from Q2 2025, the 3rd largest of 4 banks headquartered in Puerto Rico. Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31469
- Headquarters
- San Juan, PR
- Established
- 1965
- Total assets, Q2 2026
- $12.04B
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 13.22%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 221571415
- Holding company
- OFG BANCORP
- Asset rank in state
- 3rd of 4 in Puerto Rico
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 1.59% and a Texas ratio of 5.11%. The figures come from its call report filed with the FFIEC.
Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $12.04B, loans rose 0.7% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was auto loans, at 31.4% of total loans, ahead of commercial and industrial loans at 20.0%. Its 45 offices in the FDIC Summary of Deposits are in 28 cities across 2 states; its San Juan 6 offices book 52% of its branch deposits. On its Q2 2026 call report, Oriental Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Oriental Bank's total assets moved between a low of $10.14B (Q3 2023) and a high of $12.38B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.04B total assets against $12.11B; $10.73B total liabilities against $10.88B.
$8.12B net loans and leases against $8.01B; $9.99B total deposits against $10.15B.
$2.63B securities against $2.73B; $645.9M cash and balances due against $734.4M.
$197.2M total interest income against $194.0M; $39.1M total interest expense against $41.5M.
$158.1M net interest income against $152.6M.
$25.2M total noninterest income against $23.1M; $99.5M total noninterest expense against $91.5M.
$13.0M provision for credit losses against $21.6M.
$56.4M net income against $49.3M.
1.87% return on assets against 1.66%; 5.48% net interest margin against 5.35%.
13.22% CET1 capital ratio against 12.95%; 10.57% tier 1 leverage ratio against 10.07%.
Inside the full Oriental Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 144 of 4,196, for total assets; its furthest is 1,325 of 2,134, for CET1 ratio.
Metric pages for Oriental Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.50% (Q1 2025) to 1.87% (Q2 2026) and its net interest margin ran from 5.23% (Q4 2025) to 5.52% (Q3 2024).
| 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
View all 45 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Oriental Bank headquartered?
It is headquartered in San Juan, PR, United States.
When was Oriental Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Oriental Bank FDIC-insured?
Yes. It 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.
What is Oriental Bank's CET1 capital ratio?
It 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?
It operates 1 domestic office, 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?
Its Texas Ratio is 5.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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