---
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"
generated_at: "2026-05-18T05:54:10.127533+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001030469-25-000033
- JSON: https://secwatch.observer/filing/0001030469-25-000033.json
- Plain text: https://secwatch.observer/filing/0001030469-25-000033.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.