{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-23-000003","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.574191+00:00","generated_at":"2026-06-20T07:43:19.208945+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OFG Bancorp Q4 2022 EPS $0.97, core revenues $168.3M, NIM expands to 5.69%","bullets":["Diluted EPS $0.97 vs $0.87 in Q3 and $0.66 in Q4 2021; full year EPS $3.44 vs $2.81.","Total core revenues $168.3M, up 7.3% QoQ; net interest margin 5.69% vs 5.23% in Q3.","Loans held for investment $6.84B, up 2.3% QoQ; new loan origination $616.4M, record auto loans $221.4M.","Tangible book value per share $19.56 vs $18.46 in Q3; CET1 ratio 13.64%.","Net interest income $135.3M vs $126.5M in Q3; provision for credit losses $8.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-23-000003","json":"https://secwatch.observer/filing/0001030469-23-000003.json","markdown":"https://secwatch.observer/filing/0001030469-23-000003.md","text":"https://secwatch.observer/filing/0001030469-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046923000003/0001030469-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046923000003/ofg-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:43:19.208945+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"4dd4cb5a77b48be76acdfa49dd1b95bc1c15ff39","claim":"OFG BANCORP reported the quarter and year ended December 31, 2022 results: revenue Total core revenues of $168.3 million, EPS EPS diluted of $0.97.","evidence_excerpt":"OFG Bancorp Reports 4Q22 & 2022 Results SAN JUAN, Puerto Rico, January 26, 2023 – OFG Bancorp (NYSE: OFG), the financial holding company for Oriental Bank, reported results for the fourth quarter and year ended December 31, 2022. Summary 4Q22 : EPS diluted of $0.97 compared to $0.87 in 3Q22 and $0.66 in 4Q21. Total core revenues of $168.3 million compared to $156.8 million in 3Q22 and $141.0 million in 4Q21.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1030469/000103046923000003/0001030469-23-000003-index.htm","confidence":0.92,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Revenue","value":"Total core revenues of $168.3 million"},{"label":"EPS","value":"EPS diluted of $0.97"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}