{"schema_version":"secwatch.filing_event.v1","accession":"0001030469-26-000034","form_type":"8-K","ticker":"OFG","cik":"0001030469","company_name":"OFG BANCORP","filed_at":"2026-07-21T12:45:45+00:00","discovered_at":"2026-07-21T12:50:00.247121+00:00","generated_at":"2026-07-21T12:50:14.212691+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"OFG Bancorp Q2 2026 EPS $1.39, up 20.9% YoY; core revenues $190.3M, up 4.5% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001030469-26-000034","json":"https://secwatch.observer/filing/0001030469-26-000034.json","markdown":"https://secwatch.observer/filing/0001030469-26-000034.md","text":"https://secwatch.observer/filing/0001030469-26-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000034/0001030469-26-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000034/ofg-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T12:50:14.212691+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"}