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OFG Bancorp
OFG Bancorp (OFG) investor relations material
OFG Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Diluted EPS rose to $1.27 in Q4, up 17% year-over-year, with full-year EPS at $4.58, an 8.3% increase, driven by disciplined operations and favorable tax benefits.
Total assets reached $12.5B and customer deposits $9.92B at year-end, with a 4.26% increase in client base.
Strategic focus on digital-first banking led to a 90.2% YoY increase in digital account openings and new product launches.
Market share in retail deposits and customers grew, supported by technology-driven customer experience improvements.
Strong capital position with CET1 ratio at 13.97% and $91.6M in share repurchases for 2025.
Financial highlights
Q4 core revenues were $185.4M, with net interest margin at 5.12% and total interest income at $197.2M.
Noninterest expenses totaled $105M, up due to higher professional fees, business sizing, and performance bonuses.
Income tax benefit of $8.5M in Q4, including $16.8M in discrete tax benefits.
Efficiency ratio ranged from 52.48% to 56.7%; ROAA at 1.81%, ROTCE at 17.2%.
Tangible book value per share was $29.96 at year-end.
Outlook and guidance
2026 non-interest expense expected between $380M-$385M; net interest margin projected at 4.95%-5.05%.
Loan growth expected in low single digits; retail and commercial deposits to increase, driven by digital products.
Effective tax rate for 2026 estimated at 23%, excluding discrete items.
Capital expected to continue building, supporting ongoing dividends and share buybacks.
Management remains vigilant regarding global economic uncertainties.
Impact of telecom loan on NPLs and future credit?
What is the primary strategic focus for 2026?
Drivers for flat 2026 noninterest expense guidance?
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Next OFG Bancorp earnings date
Q1 202622 Apr, 2026
OFG Bancorp
Next OFG Bancorp earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
OFG Bancorp, established in 1964, is a financial holding company based in San Juan, Puerto Rico. The company operates primarily in Puerto Rico and the U.S. Virgin Islands, offering a broad range of financial services through its principal subsidiaries: Oriental Bank, Oriental Financial Services, and Oriental Insurance. OFG Bancorp provides consumer and commercial banking, lending, and wealth management solutions. It is also involved in financial services including auto loans, residential mortgages, consumer finance, credit cards, business loans, cash management, and investment brokerage services. The company is headquartered in San Juan, Puerto Rico, and its shares are listed on the New York Stock Exchange.
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