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OFG Bancorp (OFG) investor relations material
OFG Bancorp Registration Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Company overview and business model
Registered bank holding company with financial holding company status, headquartered in San Juan, Puerto Rico, serving Puerto Rico and the U.S. Virgin Islands through banking, lending, and wealth management subsidiaries.
Principal subsidiaries include Oriental Bank, Oriental Financial Services LLC, and Oriental Insurance LLC.
As of December 31, 2025, reported $12.5 billion in total assets, $8.0 billion in net loans, $10.3 billion in deposits, and $1.4 billion in stockholders' equity.
Financial performance and metrics
Capital ratios as of December 31, 2025: Tier 1 leverage ratio 10.71%, Common equity tier 1 risk-based capital ratio 13.97%, Tier 1 risk-based capital ratio 13.97%, Total risk-based capital ratio 15.24%.
Outstanding debt and deposits totaled approximately $10.8 billion, including $10.3 billion in deposit liabilities and $557 million in Federal Home Loan Bank advances and repurchase agreements.
No holding company-level indebtedness ranking senior, pari passu, or junior to the Notes as of December 31, 2025.
Use of proceeds and capital allocation
Net proceeds from the offering are intended for general corporate purposes.
- Annual meeting to elect directors, approve pay, and ratify auditor amid strong results and ESG focus.OFG
Proxy Filing3 Mar 2026 - EPS up 16% YoY, strong loan and deposit growth, digital gains, and robust capital.OFG
Q2 20243 Feb 2026 - Q4 EPS up 17% YoY, strong digital growth, stable credit, and robust capital returns.OFG
Q4 202522 Jan 2026 - Q3 2024 EPS $1.00, net income $47M, CET1 14.37%, and digital adoption surged.OFG
Q3 202419 Jan 2026 - EPS up to $4.23, strong digital growth, robust loans, and high capital ratios in 2024.OFG
Q4 20249 Jan 2026 - Q1 2025 EPS $1.00, strong deposit growth, digital innovation, and a 20% dividend hike.OFG
Q1 202527 Dec 2025 - Annual meeting to elect directors, approve pay, and ratify auditor, with focus on governance and ESG.OFG
Proxy Filing2 Dec 2025 - EPS up 6.5%, record assets, strong loan growth, and robust capital highlight the quarter.OFG
Q2 202516 Nov 2025 - EPS up 16% year-over-year to $1.16, strong loan growth, and CET1 ratio at 14.13%.OFG
Q3 20257 Nov 2025
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