Oriental Bank
San Juan, Puerto Rico, San Juan County
$12.0B in total assets, the 150th largest of 4,309 US banks and 3rd of 4 headquartered in Puerto Rico.
- FDIC certificate
- 31469
- Established
- 1965
- Owned by
- Ofg Bcorp
- Primary regulator
- FDIC
- Website
- http://www.orientalbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.0B | 11% | $22.5B | |
| Loans | $8.3B | 14% | $14.5B | |
| Deposits | $10.0B | 14% | $18.4B | |
| Return on assets | 1.70% | 84% | 1.29% | |
| Net interest margin | 5.46% | 93% | 3.61% | |
| Efficiency ratio | 51.7% | 38% | 55.2% | |
| Equity to assets | 10.94% | 38% | 11.60% | |
| Loans to deposits | 83% | 37% | 87% |
Growth
Total assets grew 3.0% a year over the last 5 years and 6.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2019 | Scotiabank de Puerto Rico San Juan, PR | $3.5B |
| Dec 2012 | Banco Bilbao Vizcaya Argentaria Puerto Rico San Juan, PR | $5.0B |
| Apr 2010 | Eurobank San Juan, PR | $2.5B |
Where they operate
45 branches in 26 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| San Juan County, PR | $5.6B | 9.9% | 3 of 6 |
| Guaynabo County, PR | $735M | 26.1% | 2 of 3 |
| Ponce County, PR | $459M | 20.3% | 3 of 3 |
| Bayamon County, PR | $431M | 13.0% | 3 of 3 |
| Carolina County, PR | $387M | 15.7% | 3 of 3 |
| Caguas County, PR | $310M | 14.6% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 4 branches since 2016 (49 to 45, −8.2%). 3 opened, 18 acquired, 25 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 49 | |||
| 2017 | Closed 9 in Puerto Rico | 0 | 9 | −9 | 40 |
| 2018 | Closed Isabela and San Juan | 0 | 2 | −2 | 38 |
| 2019 | Acquired Scotiabank de Puerto RicoOpened Charlotte Amalie and Christiansted | 20 | 0 | +20 | 58 |
| 2020 | Closed Guaynabo | 0 | 1 | −1 | 57 |
| 2021 | Closed 4 in Puerto Rico | 0 | 4 | −4 | 53 |
| 2022 | Closed 9 in Puerto Rico | 0 | 9 | −9 | 44 |
| 2023 | Opened Dorado | 1 | 0 | +1 | 45 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Consumer | 40% | 9% | |
| Business (C&I) | 20% | 17% | |
| 1-4 family residential | 17% | 21% | |
| Commercial real estate | 15% | 25% | |
| Multifamily | 1% | 8% | |
| Construction and land | 0% | 6% | |
| Other | 8% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 45% | 62% | |
| Noninterest-bearing | 28% | 20% | |
| Time deposits | 27% | 18% |
Brokered deposits are 2.4% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.54% | 0.63% |
| Net charge-offs, annualized | 1.22% | 0.14% |
| Reserves to loans | 2.27% | 1.14% |
| Leverage ratio | 10.57% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Puerto Rico
Largest competitors in San Juan County, PR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/oriental