OFG Bancorp Q2 2026 EPS $1.39, up 20.9% YoY; core revenues $190.3M, up 4.5% YoY

OFG BANCORP

Diluted EPS $1.39 vs $1.15 in 2Q25 (+20.9%); core revenues $190.3M vs $182.2M (+4.5%).
Net interest margin 5.45%; return on avg tangible common equity 17.94%; efficiency ratio 54.04%.
Provision for credit losses $13.0M, down from $21.7M in 2Q25; net charge-offs $28.8M (1.40% of avg loans) vs $12.8M (0.64%) in 2Q25.
Non-performing loans $67.3M (0.81% of avg loans) vs $97.4M (1.19%) in 2Q25; CET1 ratio 14.07% vs 13.99% in 2Q25.
Loans held for investment $8.30B, up 0.8% sequentially; new loan production $755M, up 24% sequentially.

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