Oriental Bank
Oriental Bank reported total assets of $12.0 bn at Q2 2026, down 0.5% on a year earlier, the 145th largest of 497 banks in our US coverage. The CET1 capital ratio at Oriental Bank was 13.22%, and the uninsured share of Oriental Bank was 52.02%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Oriental Bank climbed from 488th to 435th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Oriental Bank has one of the highest net interest margin readings among banks of $10 bn to $100 bn: 5.46% at , against a median of 3.62% across 126 banks (FDIC Call Reports).
- At 1.22%, the net charge-offs to average loans of Oriental Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.14% (FDIC Call Reports).
What sets Oriental Bank apart
- Since , Oriental Bank has taken over one institution; the latest was Scotiabank de Puerto Rico on .
How large is Oriental Bank?
The balance sheet of Oriental Bank at : assets $12.0 bn, deposits $10.0 bn, net loans $8.1 bn (loans equal to 81.23% of deposits). Securities make up 21.9% of total assets at Oriental Bank. Since , when Oriental Bank held $6.8 bn, its assets grew 76.1%. In the year to , deposits at Oriental Bank fell 1.6% while its total assets fell 0.5%. At , Oriental Bank employed 2,156 full-time equivalent staff across 45 offices, about $5.6 mn of assets per employee and $222.1 mn of deposits per office.
How much funding at Oriental Bank is uninsured?
At Oriental Bank, uninsured deposits (above the FDIC limit) made up 52.02% of domestic deposits at (-0.69 pp on a year earlier); Oriental Bank ranks 67th of 500 on this measure. In dollars, Oriental Bank estimated $5.2 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $10.0 bn | -1.6% | 143rd of 499 |
| Net loans and leases | $8.1 bn | +1.3% | 140th of 500 |
| Loan-to-deposit ratio | 81.23% | +2.33 pp | 327th of 500 |
| Tier 1 leverage ratio | 10.57% | +0.51 pp | 220th of 500 |
| Total risk-based capital ratio | 14.48% | +0.27 pp | 213th of 448 |
| Net interest margin | 5.46% | -0.02 pp | 30th of 500 |
| Return on assets (ROA) | 1.80% | +0.21 pp | 78th of 500 |
| Efficiency ratio | 51.71% | +0.42 pp | 167th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $44.6 mn | Narrowed by $6.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.0 mn | Narrowed by $11.8 mn | |
| Noncurrent loans to total loans | 1.59% | -0.35 pp | 435th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.22% | +0.38 pp | 473rd of 500 (1 = lowest) |
US rank of Oriental Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Oriental Bank: assets, deposits and loans
- Total assets $12.0bn
- Deposits $10.0bn
- Net loans $8.1bn
Capital and securities
The CET1 ratio of Oriental Bank stood at 13.22% in , +0.27 pp year on year. Low and high at Oriental Bank since : 12.09% () to 19.55% (). Equity capital of Oriental Bank at : $1.3 bn, or 10.9% of total assets. Oriental Bank also reported a total capital ratio of 14.48% for , and a tier 1 leverage ratio of 10.57%.
On held-to-maturity securities, Oriental Bank carried an unrealized loss of $44.6 mn at , equal to 3.4% of equity capital. The loss narrowed by $6.8 mn over the year. Its deepest point: $77.4 mn in . The available-for-sale portfolio of Oriental Bank showed an unrealized loss of $45.0 mn at ; the loss narrowed by $11.8 mn over the year.
Oriental Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Oriental Bank: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity -$45mn
Profitability and loan quality
For the year to , Oriental Bank earned a return on equity of 16.60%; return on assets: 1.80%. Net interest margin at Oriental Bank: 5.46%, -0.02 pp in a year. Oriental Bank net income: $109.4 mn, up 17.7% year on year. The efficiency ratio of Oriental Bank was 51.71%: about 52 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 1.59% of total loans at Oriental Bank; net charge-offs: 1.22% of average loans. Gross loans and leases at Oriental Bank: $8.3 bn, up 1.3% in a year.
Oriental Bank: profitability
- Return on equity 17%
- Net interest margin 5.5%
- Return on assets 1.8%
Peer group of Oriental Bank
The peer group of Oriental Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Oriental Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Puerto Rico. Against them, Oriental Bank shows CET1 ratio 13.22% against a peer median of 14.45%, return on equity 16.60% against a peer median of 10.12% and uninsured deposit share 52.02% against a peer median of 40.37%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Happen Bank | National bank | UT | $12.5 bn | 15.57% | 15.94% | 11.97% | |
| First Commonwealth Bank | State nonmember bank | PA | $12.2 bn | 12.24% | 11.32% | 27.53% | |
| Columbia Bank | Federal savings bank | NJ | $12.2 bn | 13.19% | 5.31% | 45.65% | |
| Oriental Bank | State nonmember bank | PR | $12.0 bn | 13.22% | 16.60% | 52.02% | |
| Farmers and Merchants Bank of Long Beach | State member bank | CA | $11.8 bn | 18.25% | 7.10% | 54.45% | |
| Beal Bank USA | State nonmember bank | NV | $11.0 bn | 51.76% | 37.98% | 46.56% | |
| Burke & Herbert Bank & Trust Company | State member bank | VA | $11.0 bn | 13.32% | 8.92% | 35.09% | |
. FDIC Call Reports.
Last eight quarters
Two years at Oriental Bank, to : assets +6.1%, deposits +3.9%, equity +7.7%. Staff 2,201 to 2,156.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $11.3 bn | $11.4 bn | $11.6 bn | $12.1 bn | $12.1 bn | $12.4 bn | $12.0 bn | $12.0 bn |
| Total deposits | $9.6 bn | $9.6 bn | $9.9 bn | $10.2 bn | $10.0 bn | $10.3 bn | $9.9 bn | $10.0 bn |
| Bank equity capital | $1.2 bn | $1.2 bn | $1.2 bn | $1.2 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.3 bn |
| CET1 ratio | 13.38% | 13.60% | 12.95% | 12.95% | 13.41% | 13.44% | 13.17% | 13.22% |
| Return on equity (ROE) | 16.40% | 16.15% | 14.81% | 15.54% | 15.35% | 15.23% | 16.07% | 16.60% |
| Uninsured share of domestic deposits | 52.02% | 51.13% | 52.10% | 52.71% | 53.12% | 52.47% | 51.91% | 52.02% |
| Full-time equivalent employees | 2,201 | 2,212 | 2,190 | 2,189 | 2,186 | 2,157 | 2,153 | 2,156 |
| Number of offices | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Oriental Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Scotiabank de Puerto Rico (FDIC certificate 22946).
Large one-quarter moves at Oriental Bank
- Total assets at Oriental Bank changed by +47.2% in the quarter to 2019-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Scotiabank de Puerto Rico.
Questions and identifiers
What were the total assets of Oriental Bank?
Oriental Bank reported $12.0 bn at in its Call Report. That makes Oriental Bank the 145th largest of 497 banks in our US coverage.
Is Oriental Bank the same as its holding company?
No. This page covers Oriental Bank, FDIC certificate 31469; OFG BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Oriental Bank profitable?
Oriental Bank reported net income of $109.4 mn for the year to ; annualized return on equity: 16.60%. So yes: Oriental Bank made a profit over these months.
When is data for Oriental Bank next updated?
Figures from Oriental Bank for are due after .
Where can I check the figures for Oriental Bank?
In the FDIC BankFind Suite record for certificate 31469, and in the Call Reports of Oriental Bank (RSSD ID 245276) at the FFIEC Central Data Repository.