{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-25-000047","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.587518+00:00","generated_at":"2026-05-17T02:40:31.088958+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"OFG Bancorp Q3 EPS $1.16 (+16% YoY); core revenues $184M (+5.6%)","bullets":["EPS diluted $1.16 vs $1.00 in 3Q24; core revenues $184.0M vs $174.1M YoY.","Net interest margin 5.24%; return on avg tangible common equity 16.39%.","Total provision for credit losses $28.3M, up from $21.4M in prior year; net charge-offs $20.2M.","Loans held for investment $8.12B (+4.73% YoY); customer deposits $9.82B (+$286.5M YoY).","Repurchased 477,600 shares for $20.4M in Q3; CET1 ratio 14.13%."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-25-000047","json":"https://secwatch.observer/filing/0001030469-25-000047.json","markdown":"https://secwatch.observer/filing/0001030469-25-000047.md","text":"https://secwatch.observer/filing/0001030469-25-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000047/0001030469-25-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046925000047/ofg-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:40:31.088958+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"}