---
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"
generated_at: "2026-07-21T12:50:14.212691+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001030469-26-000034
- JSON: https://secwatch.observer/filing/0001030469-26-000034.json
- Plain text: https://secwatch.observer/filing/0001030469-26-000034.txt

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