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Oriental Bank
San Juan, PR · State-chartered bank (not a Fed member) · Part of OFG Bcorp
- Total assets
- $12.04B
- Q2 2026
- Deposits
- $9.99B
- Net income
- $109.4M
- first half of 2026
- Return on assets
- 1.80%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 31469
- Main office
- San Juan, PR
- Holding company
- OFG Bcorp
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 03/25/1965
- FDIC insured since
- 08/09/1989
- U.S. offices
- 1
- Employees (full-time equivalent)
- 2,156
- Specialty
- All Other Over 1 Billion
- Minority depository institution
- Majority of the Board Hispanic American, serving a minority community
- Website
- www.orientalbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $12.04B | $11.97B | $12.38B | $12.13B | $12.11B | $11.59B | $11.42B | $11.35B |
| Deposits | $9.99B | $9.86B | $10.27B | $10.02B | $10.15B | $9.93B | $9.61B | $9.62B |
| Net loans and leases | $8.12B | $8.04B | $8.01B | $7.94B | $8.01B | $7.69B | $7.63B | $7.6B |
| Securities | $2.63B | $2.72B | $2.78B | $2.88B | $2.73B | $2.74B | $2.67B | $2.56B |
| Equity capital | $1.32B | $1.3B | $1.33B | $1.3B | $1.23B | $1.17B | $1.19B | $1.22B |
| Net income (year to date) | $109.4M | $52.97M | $189.5M | $140.8M | $92.98M | $43.68M | $185.7M | $140.2M |
| Return on assets | 1.80% | 1.74% | 1.59% | 1.59% | 1.59% | 1.52% | 1.65% | 1.67% |
| Return on equity | 16.60% | 16.07% | 15.23% | 15.35% | 15.54% | 14.81% | 16.15% | 16.40% |
| Net interest margin | 5.46% | 5.37% | 5.44% | 5.48% | 5.48% | 5.52% | 5.58% | 5.57% |
| Efficiency ratio | 51.7% | 49.7% | 52.9% | 51.5% | 51.3% | 51.1% | 52.4% | 51.5% |
| Noncurrent loans | 1.63% | 2.34% | 2.52% | 2.06% | 1.99% | 1.94% | 1.96% | 1.82% |
| Net charge-off rate | 1.22% | 1.04% | 1.00% | 0.89% | 0.83% | 1.04% | 0.88% | 0.91% |
| Leverage (core capital) ratio | 10.57% | 10.45% | 10.31% | 10.23% | 10.07% | 9.84% | 10.45% | 10.38% |
| Total risk-based capital ratio | 14.48% | 14.43% | 14.70% | 14.67% | 14.21% | 14.21% | 14.86% | 14.63% |
Assets fell 0.5% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$2.72B33.5%
- Commercial and industrial loans$1.66B20.5%
- Consumer loans$3.29B40.5%
Find bank branches in Puerto Rico · Employees: 2,156
Frequently asked questions
- What is Oriental Bank's FDIC certificate number?
- Oriental Bank's FDIC certificate number is 31469.
- How big is Oriental Bank?
- Oriental Bank reported total assets of $12.04B and deposits of $9.99B as of Q2 2026.
- Is Oriental Bank FDIC insured?
- Yes. Oriental Bank has been insured by the FDIC since 08/09/1989. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026