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Oriental Bank
San Juan, PR · FDIC Certificate #31469 · Chartered 03/2
Total assets
$12.04B
Total deposits
$9.99B
Total equity
$1.32B
Net loans
$8.12B
Branches (offices)
45
Net income (YTD)
$109.39M
Rank: #147 of 4,213 U.S. banks by assets · #3 of 5 in Puerto Rico. Assets changed -0.5% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 16.60% |
| Net interest margin (YTD) | 5.46% |
| Equity to assets | 10.94% |
| Tier 1 leverage ratio | 10.57% |
| Uninsured deposits (share of deposits) | 52.0% |
| Noncurrent loans (share of loans) | 1.59% |
| Net charge-offs (share of loans) | 1.22% |
| Loans to deposits | 81.2% |
| Real estate loans (share of loans) | 33.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.72B | 33.5% | |
| Commercial & industrial | $1.66B | 20.5% | |
| Consumer / individual | $3.29B | 40.5% | |
| Construction & development | $35.43M | 0.4% | |
| Agricultural | $277.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $10.19B | $9.05B | $76.88M | $958.94M |
| Jun 2023 | $9.93B | $8.55B | $86.66M | $1.01B |
| Jun 2024 | $11.15B | $9.62B | $95.94M | $1.14B |
| Jun 2025 | $12.11B | $10.15B | $92.98M | $1.23B |
| Jun 2026 | $12.04B | $9.99B | $109.39M | $1.32B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Puerto Rico | $9.67B | 43 |
| U.S. Virgin Islands | $325.95M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $9.99B.
Similar-sized banks
Columbia Bank ($12.17B) · Farmers And Merchants Bank Of Long Beach ($11.77B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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