BlastPoint's Banking Scorecard

Oriental Bank

$10B-$250B Specialty: Commercial PR FDIC cert 31469

Designations: ✓ Community bank ✓ Minority Depository Institution

San Juan, PR

45 branches across PR · VI

135 banks in the $10B-$250B peer group nationally 3 in PR

Oriental Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 44.1% in tier
+ Net Interest Margin 1.61% above tier average
+ Efficiency Ratio 4.24% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 38.5% in tier
- Nonperforming Asset Ratio 0.87% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Total Assets ?	$12.0B +3.2% YoY -3.4% QoQ	-$35.4B	$47.4B -2.0% YoY	$23.0B +2.3% YoY	$6.2B +9.0% YoY	Bottom 6.7% in tier
Total Loans ?	$8.0B +4.6% YoY +0.3% QoQ	-$21.6B	$29.6B -0.4% YoY	$12.0B +5.4% YoY	$3.2B +10.7% YoY	Bottom 11.1% in tier
Total Deposits ?	$9.9B -0.8% YoY -4.0% QoQ	-$28.9B	$38.7B -1.6% YoY	$20.7B +1.4% YoY	$4.8B +8.0% YoY	Bottom 7.4% in tier
Return on Assets ?	1.74% +14.6% YoY +9.5% QoQ	+0.46%	1.28% +19.3% YoY	1.01% +208.8% YoY	1.24% +13.1% YoY	Top 14.8% in tier
Net Interest Margin ?	5.37% -2.7% YoY -1.2% QoQ	+1.61%	3.77% +5.6% YoY	4.22% +2.5% YoY	3.89% +5.7% YoY	Top 6.7% in tier
Efficiency Ratio ?	49.66% -2.9% YoY -6.2% QoQ	-4.24%	53.90% -4.0% YoY	68.45% -28.4% YoY	66.84% -3.8% YoY	70%
Delinquency Rate ?	2.34% +20.7% YoY -7.1% QoQ	+1.32%	1.02% -4.1% YoY	1.42% +14.7% YoY	0.95% +18.8% YoY	Bottom 7.5% in tier
Loan-to-Deposit Ratio ?	81.57% +5.4% YoY +4.5% QoQ	+0.68%	80.88% +2.0% YoY	66.97% +17.9% YoY	76.69% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	27.63% +5.3% YoY +7.9% QoQ	+7.80%	19.82% +0.3% YoY	23.80% +8.3% YoY	22.01% -1.1% YoY	75%
Nonperforming Asset Ratio ?	1.59% +20.1% YoY -3.7% QoQ	+0.87%	0.73% +4.0% YoY	0.85% +11.8% YoY	0.66% +19.3% YoY	Bottom 5.9% in tier
Tier 1 Capital Ratio ?	13.17% +1.7% YoY -2.0% QoQ	-2.39%	15.56% -0.1% YoY	19.19% -55.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.21% +11.8% YoY -70.7% QoQ	-0.01%	0.23% +0.9% YoY	0.16% +13.5% YoY	0.32% +4.0% YoY	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#16 of 34 • Top 44.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.74%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk

#26 of 65 • Bottom 38.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

65 of 65 Large banks match · 1462 nationally

→ Stable -11 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.37%

Peer Median: 3.77%

#10 of 135 Top 6.7% in $10B-$250B

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.28%

#21 of 135 Top 14.8% in $10B-$250B

Top Weaknesses (5 metrics)

128

Nonperforming Asset Ratio

credit_quality

Value: 1.59%

Peer Median: 0.73%

#128 of 135 Bottom 5.9% in $10B-$250B

127

Total Assets

size

Value: $11.97B

Peer Median: $47.36B

#127 of 135 Bottom 6.7% in $10B-$250B

126

Total Deposits

size

Value: $9.86B

Peer Median: $38.75B

#126 of 135 Bottom 7.4% in $10B-$250B

125

Delinquency Rate

credit_quality

Value: 2.34%

Peer Median: 1.02%

#125 of 134 Bottom 7.5% in $10B-$250B

121

Total Loans

size

Value: $8.04B

Peer Median: $29.62B

#121 of 135 Bottom 11.1% in $10B-$250B