# ORIENTAL BANK
SAN JUAN, PR · FDIC certificate 31469 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.04B | |
| Deposits | $9.99B | |
| Loans and leases | $8.31B | |
| Total equity | $1.32B | |
| Loans / deposits | 81.23% (p35 of band) | 85.78% |
| Liquid assets / assets | 27.22% (p68 of band) | |
| Uninsured deposits / deposits | 52.02% (p86 of band) | 38.39% |
| Brokered deposits | 1.97% | |
| Wholesale funding | 7.02% (p47 of band) | |
| FHLB advances / assets | 3.78% | |
| Tier 1 leverage | 10.57% (p61 of band) | 10.17% |
| Unrealized securities loss / equity | -6.81% (p54 of band) | -7.43% |
| AOCI / equity | -1.67% (p5 of band) | |
| ROA (annualized) | 1.80% (p86 of band) | 1.24% |
| Net interest margin | 5.46% (p93 of band) | 3.57% |
| Efficiency ratio | 51.71% (p41 of band) | |
| Noncurrent loans | 1.59% (p88 of band) | 0.66% |
| Net charge-offs (annualized) | 0.83% (p94 of band) | |
| Reserve coverage of noncurrent | 142.37% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 2.69% (p17 of band) | |
| Auto loans | $2.60B (31.35% of loans; DQ 6.62%, NCO 0.28%) | |
| Loans to nondepository financials | $291.9M (22% of equity) (p71 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 2156 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | NIM <2.5% |
| 2011-09 | 4 | NIM <2.5% |  |
| 2011-12 | 5 | capital falling |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | NIM <2.5%, capital falling |
| 2012-06 | 7 | NIM <2.5% |  |
| 2012-09 | 7 | expense ratio p90 | NIM <2.5% |
| 2012-12 | 6 | brokered >10%, leverage <7% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 3 |  | expense ratio p90, brokered >10%, leverage <7% |
| 2013-06 | 5 | charge-offs p90, auto book souring |  |
| 2013-09 | 4 |  | auto book souring |
| 2013-12 | 8 | brokered >10%, auto book souring, deposits shrinking, assets shrinking |  |
| 2014-03 | 6 |  | brokered >10%, deposits shrinking |
| 2014-06 | 7 | deposits shrinking |  |
| 2014-09 | 7 |  |  |
| 2014-12 | 7 |  |  |
| 2015-03 | 7 | losing money | auto book souring |
| 2015-06 | 6 |  | assets shrinking |
| 2015-09 | 8 | auto book souring, assets shrinking |  |
| 2015-12 | 7 | brokered >10%, uninsured deposits leaving | deposits shrinking, auto book souring, assets shrinking |
| 2016-03 | 6 | assets shrinking | losing money, uninsured deposits leaving |
| 2016-06 | 5 |  | brokered >10% |
| 2016-09 | 6 | auto book souring |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 6 |  |  |
| 2017-09 | 4 |  | wholesale funding >15%, assets shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | wholesale funding >15% |  |
| 2018-09 | 6 | capital falling |  |
| 2018-12 | 5 |  | capital falling |
| 2019-03 | 5 |  |  |
| 2019-06 | 4 |  | wholesale funding >15% |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 2 |  | reserve under noncurrent, charge-offs p90 |
| 2022-06 | 3 | reserve under noncurrent |  |
| 2022-09 | 5 | charge-offs p90, assets shrinking |  |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 3 |  | reserve under noncurrent |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 3 |  | deposits shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | uninsured deposits >50% |  |
| 2024-06 | 3 |  | noncurrent p90 |
| 2024-09 | 4 | noncurrent p90 |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 3 |  | noncurrent p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-21 [What banks can learn from Oriental Bank's top performance - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOQXMwNzNTakVmTmlYZnVYRHVFdjJUSGJWWDczd21vNEFKUVJXb0VYUWh3bzh0SkFlWkgxRElMbHk3LXU4R1cxQkZXRGF5SDlDS25YdUdSN1p0QVNueG1XaUxnWHF2RnJlWkU3NHJLajZZQ0R1WVE0c1g5STVodm1WTjYxVTZ5WllmNG9tUzN0XzFuTi1xV0Fv?oc=5) · American Banker
- 2026-07-22 [Oriental posts strong quarter, sees growth opportunities - News is My Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTFNtN0hUY2xUdVZQVXIyckctLXE1WW90M2FuVThOTE5wd2FtbF9mSXFsWWM2ZE5ZS0JIa3BNcFdSNkVlZWUxMU5uek81RWgzbHdEc2M1V1JfR1lTaldoU1VJQ1R6SkN5TExIbEZiTExtWTZiUE8xWUpWSWFfTjZ6Q0tadHVWZ1IzT0ZmcXR3?oc=5) · News is My Business
- 2026-03-31 [Oriental Bank Branches Closed Friday, April 3 - stthomassource.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPbl9odU44MldaSlpFS3Jva01hVlViVlBuTjV4bThqVXJXVWdVUWo2eFlhMFBfN0dWemR6WHVwWHkyaHFidC1lOE41UmMxaTlJMk42ZVZsSi1NN3pYZjMyRzNDU21HZWFOWDZTTGt3b3I1SE9PUkkzelJoNElTZVY4Zm9jMTJGTV9CNnZiNTJ0cWJwdHNwbUE?oc=5) · stthomassource.com
- 2026-01-23 [Oriental Bank closes 2025 with record profits - WJournalpr](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPRnQ2Qm5vUGNxVk8tRDNnOEZfbEpaZ19kUkhlOTl4emJzdmJEcXBraTRPVWpOVEkteWVvSUg4bDM3S3VDcmVlVVRyUm1DRGhNTUF5M2tsb1gweHl0d2ZKdW5LVG85T3dERGNHdlVON0laUnJoSWl2cXRKMDdocFQyb2FNU3RCM1pLT1Ayb2hZUndMZ2RNaUFHNVEya0NHSDFWWlliSmZ0X25WTE13eGl0RTVCUjhoLXlwS2pyRG5Fc01xS0N2S1Btc21VZUVUeXI4cDJIZ3Zn?oc=5) · WJournalpr
- 2026-03-04 [KBRA assigns OFG BBB; affirms Oriental BBB+ - News is My Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE53bFMtRXRSTkpiR25nRkltVkZ0WjUxdXVRTnVBLWlWZm94TVp3aVBlRFlUaXpSeVBhUmlfUkxKUFhmd0kwaC1JSlZrdTBFYlJ5SnNMOEJyc3dKRTZjLWJKQXRXTFRDdFc3RjFiY2hGeDFmWnJReEI1NG9ZWQ?oc=5) · News is My Business
- 2021-01-14 [Oriental Bank Selects Upstart’s Credit Decision API - Upstart](https://news.google.com/rss/articles/CBMirgFBVV95cUxPUVh3VV93NWlkTGxaYWZOQ0NGYzdZdzNtakVIbVNMRUpYSXNYR2FYMUJjRnh0UkU2dl9fZGpQd2ZpS011Q2VQUURVX1BYTHQ0WmdYY3VRLWkxYUZxbFNDYVppNFpobDZrTFdDS0Z2MnZmZEZIWEJkWkhzU3gwN1k0aVJOamZELXBMT1R5dnVUQjUzWGZHUHJNTkg4bFowSlBqRXR4LUVYb2lpUmxWNVE?oc=5) · Upstart
- 2019-12-31 [Scotiabank completes sale of its operations in Puerto Rico and the U.S. Virgin Islands to Oriental Bank - scotiabank.investorroom.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOMllYUWR6eXZaQTF0bzNpM1pIX0ZKZkdRalREMlV0bzk1X0MzUFh5TXRSaEJaa1Z0bGNBeU8wbWJ1X091bW9MZU4wWjNvdXdaNjJGLVk5OFJjN1pmVmN1eXhYRzI2anBoTlZ4cDhKUlJPQXRCWHVScmF1RlBia2JYTXZ3TExCOXhzQ2pId1l4NHRCMEJqaXBzS19JelF2dlZLZDA0S19JOGYxUV81Mkwzcno0VnE4YWNBX3hubVM2R21ieUdrOUs5N3llNG9teVBiX1lwRko0QzlsWG1TTHFXREhKRQ?oc=5) · scotiabank.investorroom.com
- 2025-10-23 [Oriental Bank combines digital innovation and financial strength - WJournalpr](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPV285Uk9YUXBpZ1lxdlpVUHRBZzVTN1lpRnVCYkJPQnF3dkd0R1BmTkdmdXBUdG9NLWZyaFVJeHl3cm12aHQ2NVdINVVxUHRHZzBjOHFNeGdOZHlfTUVuNVN5MFk4Y2hMTTdJQ3U5anJnVlFqM1Z0M1lTQUxjVWRlR3Qza0xabkRsN1NoclQyVlRtbjgwMUJDd2Nxcy1tcFNuUDJPdHlaM3pvZjNERzJsbnhOdXVUVXpsSGFOdUwxb2lPaU10akMxUXZFX1ZVb1lZTEI0T2NmOUJ2a29tdVlFVDVFOHplRXVpNEdva2Fsdw?oc=5) · WJournalpr

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31469 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "31469", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide