Oriental Bank (FDIC #31469): Bank Stress & Real-Estate Credit Exposure

Oriental Bank (FDIC Cert #31469): bank stress 51/100, moderate, STABLE over 7 days; parent OFG BCORP.

Oriental Bank (#31469) lends in 26 counties across 1 state; Oriental Bank (#31469) reaches 85 ZIP codes: PR 24 counties, 80 ZIPs.

Oriental Bank (#31469) reports $12.04 billion in total assets; Oriental Bank (#31469) equity $1.32 billion (10.9% of Oriental Bank (#31469) assets); Oriental Bank (#31469) domestic deposits $9.99 billion; Oriental Bank (#31469) net income $109.4 million; Oriental Bank (#31469) return on assets 1.80%; Oriental Bank (#31469) return on equity 16.60%; Oriental Bank (#31469) net interest income $312.8 million; Oriental Bank (#31469) call report June 30, 2026.

Oriental Bank (#31469) noncurrent real-estate loans: none reported; Oriental Bank (#31469) residential -0.23%; Oriental Bank (#31469) net charge-offs on real estate 3.11%; Oriental Bank (#31469) residential charge-offs 0.19%.

Oriental Bank (#31469) net interest margin 5.46% against an eight-quarter Oriental Bank (#31469) average of 5.49% (Oriental Bank (#31469) compression 0.03 points); Oriental Bank (#31469) non-residential real estate 19.4% of equity; Oriental Bank (#31469) rate-exposure score 40/100, Oriental Bank (#31469) fixed-rate trap 40/100; Oriental Bank (#31469) risk type credit driven; Oriental Bank (#31469) rate regime rates elevated, Oriental Bank (#31469) snapshot October 20, 2026.

Oriental Bank (#31469) stress score moved from 51.3 on June 22, 2026 to 51.2 on October 20, 2026; Oriental Bank (#31469) ranged 51.2 to 51.3 over 117 snapshots.

Oriental Bank (#31469) alerts: 26 counties; top Oriental Bank (#31469) alert scores: Aguadilla County, PR 23 (low); Aibonito County, PR 23 (low); Bayamon County, PR 23 (low); Caguas County, PR 23 (low); Carolina County, PR 23 (low).