BlastPoint's Banking Scorecard

Oriental Bank

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

Designations: ✓ Community bank ✓ Minority Depository Institution

San Juan, PR

45 branches across PR · VI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in PR.
Deposits -1.6% year over year ($10.0B on the books).
Delinquency rate 1.63%.
Return on assets 1.80%.
Efficiency ratio 51.71% vs a 53.67% peer average.
Loan-to-deposit ratio 81.23% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (PR) →

Oriental Bank has 3 strengths but faces 1 concern

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 40.0% in tier
+ Net Interest Margin 1.54% above tier average
+ Efficiency Ratio 1.97% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.61% above tier average

Get updates when Oriental Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Total Assets ?	$12.0B -0.5% YoY +0.6% QoQ	-$31.6B	$43.6B -13.8% YoY	$23.8B +3.4% YoY	$6.3B +7.7% YoY	Bottom 9.4% in tier
Total Loans ?	$8.1B +1.3% YoY +1.0% QoQ	-$19.8B	$28.0B -8.6% YoY	$12.2B +4.2% YoY	$3.2B +9.4% YoY	Bottom 13.7% in tier
Total Deposits ?	$10.0B -1.6% YoY +1.4% QoQ	-$25.4B	$35.4B -14.0% YoY	$21.5B +3.8% YoY	$4.9B +7.3% YoY	Bottom 10.8% in tier
Return on Assets ?	1.80% +13.5% YoY +3.6% QoQ	+0.41%	1.39% +25.9% YoY	1.15% +418.2% YoY	1.30% +12.1% YoY	85%
Net Interest Margin ?	5.46% -0.3% YoY +1.6% QoQ	+1.54%	3.92% +8.9% YoY	4.30% +3.1% YoY	3.95% +4.9% YoY	Top 7.9% in tier
Efficiency Ratio ?	51.71% +0.8% YoY +4.1% QoQ	-1.97%	53.67% -1.9% YoY	65.72% -29.8% YoY	70.05% +2.5% YoY	63%
Delinquency Rate ?	1.63% -17.9% YoY -30.5% QoQ	+0.61%	1.01% -2.8% YoY	1.25% +4.3% YoY	0.98% +16.3% YoY	Bottom 12.3% in tier
Loan-to-Deposit Ratio ?	81.23% +3.0% YoY -0.4% QoQ	-1.38%	82.61% +3.1% YoY	67.03% +3.5% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	27.72% +8.6% YoY +0.3% QoQ	+7.14%	20.58% +4.9% YoY	22.98% +6.1% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	1.11% -16.7% YoY -30.2% QoQ	+0.38%	0.73% +5.8% YoY	0.73% -1.1% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	13.22% +2.1% YoY +0.4% QoQ	-2.13%	15.35% -0.4% YoY	17.80% -32.1% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.42% +12.8% YoY +98.4% QoQ	-0.08%	0.50% +10.5% YoY	0.32% +13.5% YoY	0.66% +5.2% YoY	63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Noninterest-Bearing	27.7% +2.2pp YoY +0.1pp QoQ	+6.7pp	21.0%	23.0%	22.2%	74%
Brokered Deposits	2.4% -0.1pp YoY +0.5pp QoQ	-6.8pp	9.2%	2.0%	8.5%	26%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
C&I	20.5% +0.3pp YoY -2.4pp QoQ	+3.3pp	17.2%	20.5%	12.5%	72%
CRE	16.4% -1.3pp YoY -0.1pp QoQ	-25.7pp	42.0%	26.9%	41.4%	8%
1-4 Family	17.1% -0.9pp YoY -0.3pp QoQ	-6.0pp	23.1%	22.0%	31.3%	35%
Consumer	40.5% -0.9pp YoY -0.4pp QoQ	+27.6pp	12.9%	29.2%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
CET1 Ratio	13.2% +0.3pp YoY +0.1pp QoQ	-2.0pp	15.3%	17.6%	19.7%	58%
Leverage Ratio	10.6% +0.5pp YoY +0.1pp QoQ	+0.2pp	10.4%	10.9%	12.6%	61%
Total Capital Ratio	14.5% +0.3pp YoY 0.0pp QoQ	-2.0pp	16.5%	19.0%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Full-Time Employees	2,156 -33 (-1.5%) YoY +3 (+0.1%) QoQ	-1,102	3,258	3,163	482	55%
Assets per Employee ($)	$5.6M +1.0% YoY +0.5% QoQ	-$21.4M	$27.0M	$8.2M	$8.8M	1%
Branch Count	1 0 YoY 0 QoQ	-137	137	3	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Past Due 90+ Days	0.8% +0.1pp YoY 0.0pp QoQ	+0.4pp	0.4%	0.6%	0.4%	90%
Nonaccrual	0.8% -0.4pp YoY -0.7pp QoQ	+0.1pp	0.7%	1.1%	1.0%	70%
Allowance Coverage	1.42x +19.2% YoY +31.6% QoQ	-1.39x	2.81x	1.50x	20.23x	35%
Net Charge-off Rate (YTD)	1.2% +0.4pp YoY +0.2pp QoQ	+0.8pp	0.4%	1.0%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
ROE	16.6% +1.1pp YoY +0.5pp QoQ	+4.0pp	12.6%	13.5%	11.6%	82%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.6pp	2.0%	1.6%	1.7%	21%
Net Income ($, YTD)	$109.4M +17.7% YoY — QoQ	-$187.4M	$296.8M	$177.8M	$40.4M	34%

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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

#15 of 35 • Top 40.0% in tier

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

Why this signature

Return on Assets: 1.80%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 139 peers in $10B-$250B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.46%

Peer Median: 3.92%

#12 of 139 Top 7.9% in $10B-$250B

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.39%

#22 of 139 Top 15.1% in $10B-$250B

Top Weaknesses (5 metrics)

127

Total Assets

size

Value: $12.04B

Peer Median: $43.60B

#127 of 139 Bottom 9.4% in $10B-$250B

125

Total Deposits

size

Value: $9.99B

Peer Median: $35.42B

#125 of 139 Bottom 10.8% in $10B-$250B

122

Delinquency Rate

credit_quality

Value: 1.63%

Peer Median: 1.01%

#122 of 138 Bottom 12.3% in $10B-$250B

121

Total Loans

size

Value: $8.12B

Peer Median: $27.97B

#121 of 139 Bottom 13.7% in $10B-$250B

119

Nonperforming Asset Ratio

credit_quality

Value: 1.11%

Peer Median: 0.73%

#119 of 139 Bottom 15.1% in $10B-$250B