{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-25-000033","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.157468+00:00","generated_at":"2026-05-18T05:54:10.127533+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 2Q25 EPS $1.15 beats $1.08 YoY; core revenue $182.2M, NIM 5.31%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-25-000033","json":"https://secwatch.observer/filing/0001030469-25-000033.json","markdown":"https://secwatch.observer/filing/0001030469-25-000033.md","text":"https://secwatch.observer/filing/0001030469-25-000033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000033/0001030469-25-000033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000033/ofg-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:54:10.127533+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}