{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-26-000004","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.425395+00:00","generated_at":"2026-05-16T08:39:59.948857+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"OFG Bancorp Q4 EPS $1.27 (up 16.5% YoY); full-year EPS $4.58 (up 8.3%)","bullets":["4Q25 EPS $1.27 vs $1.09 a year ago; total core revenues $185.4M, up 1.9% YoY.","Full-year 2025 EPS $4.58 vs $4.23; core revenues $729.8M, up 2.8%.","Loans held for investment $8.20B, up 5.25% YoY; deposits $9.92B, up 5.0%.","Share repurchases of $91.6M in 2025; CET1 ratio 13.97%, tangible book value $29.96.","Net interest margin 5.12%; ROATCE 17.20%; NCOs 1.32%, NPL ratio 1.59%."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-26-000004","json":"https://secwatch.observer/filing/0001030469-26-000004.json","markdown":"https://secwatch.observer/filing/0001030469-26-000004.md","text":"https://secwatch.observer/filing/0001030469-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000004/0001030469-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000004/ofg-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:39:59.948857+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"}