OFG Bancorp is a financial holding company headquartered in San Juan, Puerto Rico, operating Oriental Bank, a full-service commercial bank serving consumers and businesses primarily in Puerto Rico and, to a lesser extent, the U.S. Virgin Islands. Oriental Bank offers consumer lending (auto loans, personal loans, solar loans, credit cards), commercial lending to small and mid-sized businesses in Puerto Rico plus C&I loan participations for U.S. mainland middle-market businesses, residential mortgage origination, and deposit products gathered through 42 Puerto Rico branches, 2 USVI branches, and digital channels. OFG makes money primarily through net interest income — the spread between loan and investment yields and deposit costs. OFG also earns fee income through its Wealth Management segment, which includes securities brokerage, investment advisory, insurance, and corporate trust services. OFG's NIM benefits from Puerto Rico's historically low deposit costs relative to the U.S. mainland. OFG is executing a digital-first strategy, with flagship deposit products — the Libre checking account and Elite savings account — driving new customer growth. The loan book totaled $8.2B at year-end 2025, with commercial loans representing 43% of the mix. OFG's results are closely tied to the Puerto Rico economy, which has been recovering, supported by federal reconstruction funding and growth in pharmaceutical and medical device manufacturing.