OFG Bancorp 2Q25 EPS $1.15 beats $1.08 YoY; core revenue $182.2M, NIM 5.31%

OFG BANCORP

2025-Q2 EPS reported $2.15

Diluted EPS of $1.15 vs $1.08 in 2Q24 and $1.00 in 1Q25; total core revenues $182.2M (+1.5% YoY).
Net interest margin 5.31%; return on average assets 1.73%; efficiency ratio 52.04%.
Loans held for investment $8.18B (+7.08% YoY); new loan production $783.7M, up from $589M in 2Q24.
CET1 ratio 13.99%; tangible book value per share $27.67 vs $24.18 a year ago.
Record assets of $12.2B; core deposits $9.9B; net charge-offs 0.64% of average loans.

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