Oriental Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oriental Bank of San Juan, PR against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.87% | 1.34% | +0.53% | 85th top |
| ROAE | 17.22% | 12.25% | +4.97% | 85th top |
| Net Interest Margin | 5.48% | 3.68% | +1.80% | 94th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 53.60% | 53.86% | -0.26% | 49th below |
| PPNR / Avg Assets | 2.77% | — | — | 90th top |
| Yield on Earning Assets | 6.83% | 5.58% | +1.25% | 92nd top |
| Cost of Funds | 1.48% | 1.99% | -0.51% | 76th top |
| Net Interest Spread | 4.82% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.59% | 1.09% | +0.50% | 11th bottom |
| NPA / Total Assets | 1.11% | — | — | 15th bottom |
| NCO / Avg Loans | 1.39% | 0.36% | +1.03% | 7th bottom |
| ACL / Total Loans | 2.27% | — | — | 94th top |
| ACL / NPLs (Coverage) | 142.37% | — | — | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.11% | 5.43% | -0.32% | 37th below |
| Provision / NCO | 45.09% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.22% | 14.50% | -1.28% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.22% | 14.60% | -1.38% | 56th above |
| Total Capital Ratio | 14.48% | — | — | 56th above |
| Leverage Ratio | 10.57% | 10.26% | +0.31% | 59th above |
| Equity / Assets | 10.94% | 11.55% | -0.61% | 38th below |
| TCE / Tangible Assets | 10.25% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.11% | 83.97% | -0.86% | 63rd above |
| Core Deposit Ratio | 79.69% | 86.78% | -7.09% | 18th bottom |
| Uninsured Deposit Ratio | 52.02% | 38.93% | +13.09% | 14th bottom |
| Wholesale Funding Ratio | 5.05% | — | — | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.52% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 1.29% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | -1.57% | — | — | 10th bottom |
See Oriental Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oriental Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oriental Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Oriental Bank peer analysis.