---
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"
generated_at: "2026-05-17T02:40:31.088958+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# OFG Bancorp Q3 EPS $1.16 (+16% YoY); core revenues $184M (+5.6%)

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001030469-25-000047
- JSON: https://secwatch.observer/filing/0001030469-25-000047.json
- Plain text: https://secwatch.observer/filing/0001030469-25-000047.txt

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