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LOANS (Tables)

6 Months Ended

Jun. 30, 2023

Receivables [Abstract]

Schedule of Loan Portfolio

The composition of the amortized cost basis of OFG’s loan portfolio at June 30, 2023 and December 31, 2022 was as follows:

			June 30, 2023																		December 31, 2022
			Non-PCD						PCD						Total						Non-PCD						PCD						Total
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	980,570					$	131,326					$	1,111,896					$	974,202					$	138,678					$	1,112,880
Other commercial and industrial			971,608						21,562						993,170						854,442						20,474						874,916
US commercial loans			669,332						—						669,332						642,133						—						642,133
			2,621,510						152,888						2,774,398						2,470,777						159,152						2,629,929
Mortgage			641,555						980,833						1,622,388						675,793						1,028,428						1,704,221
Consumer:
Personal loans			540,975						294						541,269						480,620						338						480,958
Credit lines			11,312						274						11,586						12,826						300						13,126
Credit cards			40,561						—						40,561						42,872						—						42,872
Overdraft			274						—						274						301						—						301
			593,122						568						593,690						536,619						638						537,257
Auto loans and leases			2,124,076						3,319						2,127,395						1,958,257						5,658						1,963,915
			5,980,263						1,137,608						7,117,871						5,641,446						1,193,876						6,835,322
Allowance for credit losses			(150,167)						(9,756)						(159,923)						(141,841)						(10,832)						(152,673)
Total loans held for investment, net			5,830,096						1,127,852						6,957,948						5,499,605						1,183,044						6,682,649
Mortgage loans held for sale			11,397						—						11,397						19,499						—						19,499
Other loans held for sale			18,899						—						18,899						21,088						—						21,088
Total loans held for sale			30,296						—						30,296						40,587						—						40,587
Total loans, net			$	5,860,392					$	1,127,852					$	6,988,244					$	5,540,192					$	1,183,044					$	6,723,236

Schedule of Aging of Recorded Investment in Gross Loans

			June 30, 2023
			30-59 Days Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total Loans						Loans 90+ Days Past Due and Still Accruing
			(In thousands)
Commercial
Commercial secured by real estate			$	825					$	274					$	6,502					$	7,601					$	972,969					$	980,570					$	—
Other commercial and industrial			587						261						4,203						5,051						966,557						971,608						—
US commercial loans			—						9,721						6,270						15,991						653,341						669,332						—
			1,412						10,256						16,975						28,643						2,592,867						2,621,510						—
Mortgage			5,773						8,203						35,631						49,607						591,948						641,555						2,600
Consumer
Personal loans			4,595						2,709						2,163						9,467						531,508						540,975						—
Credit lines			75						26						64						165						11,147						11,312						—
Credit cards			440						290						611						1,341						39,220						40,561						—
Overdraft			53						—						—						53						221						274						—
			5,163						3,025						2,838						11,026						582,096						593,122						—
Auto loans and leases			84,881						32,356						13,130						130,367						1,993,709						2,124,076						—
Total loans			$	97,229					$	53,840					$	68,574					$	219,643					$	5,760,620					$	5,980,263					$	2,600

			December 31, 2022
			30-59 Day Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total Loans						Loans 90+ Days Past Due and Still Accruing
			(In thousands)
Commercial
Commercial secured by real estate			$	923					$	164					$	6,147					$	7,234					$	966,968					$	974,202					$	—
Other commercial and industrial			943						720						3,225						4,888						849,554						854,442						—
US commercial loans			—						—						—						—						642,133						642,133						—
			1,866						884						9,372						12,122						2,458,655						2,470,777						—
Mortgage			9,267						5,848						56,714						71,829						603,964						675,793						3,856
Consumer
Personal loans			4,263						2,669						2,314						9,246						471,374						480,620						—
Credit lines			500						154						117						771						12,055						12,826						—
Credit cards			730						486						682						1,898						40,974						42,872						—
Overdraft			91						2						—						93						208						301						—
			5,584						3,311						3,113						12,008						524,611						536,619						—
Auto loans and leases			75,237						36,954						19,613						131,804						1,826,453						1,958,257						—
Total loans			$	91,954					$	46,997					$	88,812					$	227,763					$	5,413,683					$	5,641,446					$	3,856

Schedule of Investment in Loans on Non-Accrual Status

The following table presents the amortized cost basis of loans held for investment on nonaccrual status as of June 30, 2023 and December 31, 2022:

			June 30, 2023																		December 31, 2022
			Non-accrual with Allowance for Credit Loss						Non-accrual with no Allowance for Credit Loss						Total						Non-accrual with Allowance for Credit Loss						Non-accrual with no Allowance for Credit Loss						Total
			(In thousands)																		(In thousands)
Non-PCD:
Commercial
Commercial secured by real estate			$	6,012					$	8,478					$	14,490					$	4,091					$	17,098					$	21,189
Other commercial and industrial			4,413						280						4,693						2,769						885						3,654
US commercial loans			24,005						—						24,005						9,589						—						9,589
			34,430						8,758						43,188						16,449						17,983						34,432
Mortgage			13,091						6,130						19,221						11,719						11,522						23,241
Consumer
Personal loans			1,940						292						2,232						1,950						379						2,329
Personal lines of credit			63						—						63						116						—						116
Credit cards			612						—						612						683						—						683
			2,615						292						2,907						2,749						379						3,128
Auto loans and leases			13,126						4						13,130						19,612						1						19,613
Total			$	63,262					$	15,184					$	78,446					$	50,529					$	29,885					$	80,414
PCD:
Commercial
Commercial secured by real estate			$	2,547					$	4,353					$	6,900					$	2,807					$	6,084					$	8,891
Other commercial and industrial			—						1,204						1,204						—						36						36
			2,547						5,557						8,104						2,807						6,120						8,927
Mortgage			256						—						256						259						—						259
Total			$	2,803					$	5,557					$	8,360					$	3,066					$	6,120					$	9,186
Total non-accrual loans			$	66,065					$	20,741					$	86,806					$	53,595					$	36,005					$	89,600

Schedule of Troubled Debt Restructurings

The following tables present the amortized cost basis as of June 30, 2023 of loans held for investment that were modified during the quarter and six month period ended June 30, 2023, disaggregated by class of financing receivable and type of concession granted.

			Quarter Ended June 30, 2023
			Term Extension
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
Commercial loans secured by real estate			$	5,341					0.48		%
Other commercial and industrial			147						0.01		%
			5,488						0.20		%
Mortgage			1,827						0.11		%
Total			$	7,315

			Quarter Ended June 30, 2023
			Combination - Term Extension and Interest Rate Reduction
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Mortgage			417						0.03		%
Consumer:
Personal loans			58						0.01		%
Total			$	475

			Quarter Ended June 30, 2023
			Combination - Term Extension and Principal Forgiveness/Forbearance
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
US commercial loans			$	4,260					0.64		%
Mortgage			431						0.03		%
Total			$	4,691

			Six-Month Period Ended June 30, 2023
			Term Extension
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
Commercial loans secured by real estate			$	5,810					0.52		%
Other commercial and industrial			147						0.01		%
			5,957						0.21		%
Mortgage			4,318						0.27		%
Total			$	10,275

			Six-Month Period Ended June 30, 2023
			Principal Forgiveness/Forbearance
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Mortgage			$	100					0.01		%

			Six-Month Period Ended June 30, 2023
			Combination - Term Extension and Interest Rate Reduction
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Mortgage			$	602					0.02		%
Consumer:
Personal loans			84						0.02		%
Total			$	686

			Six-Month Period Ended June 30, 2023
			Combination - Term Extension and Principal Forgiveness/Forbearance
			Amortized Cost Basis (In thousands)						% of Total Class of Financing Receivable
Commercial loans:
US commercial loans			$	4,260					0.64		%
Mortgage			431						0.03		%
Total			$	4,691

The following table presents the financial effect of the modifications granted to borrowers experiencing financial difficulty during the quarter and six month period ended June 30, 2023. The financial effect of the combined modifications is presented separately by type of modification.

			Quarter Ended June 30, 2023
			Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (In months)						Weighted-Average Forgiveness/Forbearance of Principal Amount
Commercial:
Commercial loans secured by real estate			—		%				25						$	—
US Commercial loans			—		%				31						2,973
			—		%				56						$	2,973
Mortgage			1.86		%				195						$	20
Consumer:
Personal loans			1.25		%				110						$	—

			Six-Month Period Ended June 30, 2023
			Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (In months)						Weighted-Average Forgiveness/Forbearance of Principal Amount
Commercial:
Commercial loans secured by real estate			—		%				24						$	—
US Commercial loans			—		%				31						2,973
			—		%				55						$	2,973
Mortgage			2.04		%				206						$	24
Consumer:
Personal loans			2.50		%				81						$	—

The following table presents the troubled-debt restructurings in all loan portfolios as of December 31, 2022:

									December 31, 2022
																											Accruing						Non-accruing						Total						Related Allowance
									(In thousands)
Commercial loans:
Commercial secured by real estate																											$	31,437					$	13,187					$	44,624					$	181
Other commercial and industrial																											2,272						354						2,626						42
US commercial loans																											7,132						—						7,132						89
																											40,841						13,541						54,382						312
Mortgage																											102,387						6,773						109,160						2,495
Consumer:
Personal loans																											1,850						15						1,865						73
Auto loans and leases																											77						—						77						3
Total loans																											$	145,155					$	20,329					$	165,484					$	2,883

The following tables present the troubled-debt restructurings by loan portfolios and modification type as of December 31, 2022:

			December 31, 2022
			Reduction in interest rate						Maturity or term extension						Combination of reduction in interest rate and extension of maturity						Forbearance						Total
			(In thousands)
Commercial loans:
Commercial secured by real estate			$	7,746					$	29,454					$	7,424					$	—					$	44,624
Other commercial and industrial			785						1,367						474						—						2,626
US commercial loans			7,132						—						—						—						7,132
			15,663						30,821						7,898						—						54,382
Mortgage			31,709						8,020						35,194						34,237						109,160
Consumer:
Personal loans			825						176						793						71						1,865
Auto loans and leases			39						—						20						18						77
Total loans			$	48,236					$	39,017					$	43,905					$	34,326					$	165,484

Loan modifications that were considered TDR loans completed during the quarter and six-month period ended June 30, 2022:

			Quarter Ended June 30, 2022
			Number of contracts						Pre-Modification Outstanding Recorded Investment						Pre-Modification Weighted Average Rate						Pre-Modification Weighted Average Term (in Months)						Post-Modification Outstanding Recorded Investment						Post-Modification Weighted Average Rate						Post-Modification Weighted Average Term (in Months)
			(Dollars in thousands)
Mortgage			36						4,333						4.58		%				267						4,608						3.68		%				344
Commercial			2						37,808						3.51		%				133						37,808						3.61		%				187
Consumer			1						9						20.95		%				72						9						10.95		%				72
			Six-Month Period Ended June 30, 2022
			Number of contracts						Pre-Modification Outstanding Recorded Investment						Pre-Modification Weighted Average Rate						Pre-Modification Weighted Average Term (in Months)						Post-Modification Outstanding Recorded Investment						Post-Modification Weighted Average Rate						Post-Modification Weighted Average Term (in Months)
			(Dollars in thousands)
Mortgage			72						$	9,033					4.55		%				270						$	9,471					3.57		%				343
Commercial			4						38,703						3.56		%				131						38,560						3.63		%				184
Consumer			2						22						19.27		%				79						22						10.95		%				79

The following table presents troubled-debt restructurings for which there was a payment default during the twelve-months periods ended June 30, 2022:

			Twelve-month period ended June 30, 2022
						Number of Contracts						Recorded Investment
Mortgage						7						$	800
Consumer						3						$	47

Financing Receivable, Modified, Past Due

The following table presents an aging of the loans held for investment that have been modified during the six month period ended June 30, 2023.

			June 30, 2023
			30-59 Day Past Due						60-89 Days Past Due						90+ Days Past Due						Total Past Due						Current						Total
			(In thousands)
Commercial
Commercial loans secured by real estate			$	—					$	—					$	—					$	—					$	5,810					$	5,810
Other commercial and industrial			—						—						—						—						147						147
US commercial loans			—						—						—						—						4,260						4,260
			—						—						—						—						10,217						10,217
Mortgage			—						122						415						537						4,914						5,451
Consumer
Personal loans			—						—						—						—						84						84
			—						—						—						—						84						84
Total			$	—					$	122					$	415					$	537					$	15,215					$	15,752

Schedule of the Amortized Cost of Collateral-Dependent Loans Held for Investment

The table below presents the amortized cost of commercial collateral-dependent loans held for investment at June 30, 2023 and December 31, 2022, by class of loans.

			June 30,						December 31,
			2023						2022
			(In thousands)
Commercial loans secured by real estate			$	9,945					$	8,805

Schedule of Credit Quality Indicators of Loans

As of June 30, 2023 and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans is as follows.

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Commercial:
Commercial secured by real estate:
Loan grade:
Pass						$	40,469					$	221,969					$	174,336					$	123,684					$	99,681					$	192,049					$	54,543					$	906,731
Special Mention						—						1,837						6,729						17,860						15,827						10,903						192						53,348
Substandard						—						411						1,714						644						2,738						14,111						527						20,145
Doubtful						—						—						—						—						—						15						331						346
Loss						—						—						—						—						—						—						—						—
Total commercial secured by real estate						40,469						224,217						182,779						142,188						118,246						217,078						55,593						980,570
Commercial secured by real estate:
Current-period gross charge-offs						—						—						80						—						94						67						—						241

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Other commercial and industrial:
Loan grade:
Pass						153,016						107,027						122,761						55,849						30,431						17,332						475,103						961,519
Special Mention						9						1,841						—						5,852						628						17						22						8,369
Substandard						—						124						1						256						331						213						756						1,681
Doubtful						—						—						—						—						—						—						39						39
Loss						—						—						—						—						—						—						—						—
Total other commercial and industrial:						153,025						108,992						122,762						61,957						31,390						17,562						475,920						971,608
Other commercial and industrial:
Current-period gross charge-offs						—						18						458						—						—						1,180						—						1,656
US commercial loans:
Loan grade:
Pass						74,370						60,598						85,047						45,864						31,545						17,685						306,777						621,886
Special Mention						—						7,854						—						—						—						—						—						7,854
Substandard						30						10,395						—						958						—						18,020						10,189						39,592
Doubtful						—						—						—						—						—						—						—						—
Loss						—						—						—						—						—						—						—						—
Total US commercial loans:						74,400						78,847						85,047						46,822						31,545						35,705						316,966						669,332
US commercial loans:
Current-period gross charge-offs						33						1,156						—						—						—						1,785						—						2,974
Total commercial loans						$	267,894					$	412,056					$	390,588					$	250,967					$	181,181					$	270,345					$	848,479					$	2,621,510
Total current-period gross charge-offs						$	33					$	1,174					$	538					$	—					$	94					$	3,032					$	—					$	4,871

As of December 31, 2022 and based on the most recent analysis performed, the risk category of loans held for investment subject to risk rating by class of loans is as follows.

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2022						2021						2020						2019						2018						Prior
						(In thousands)
Commercial:
Commercial secured by real estate:
Loan grade:
Pass						$	220,035					$	177,775					$	110,809					$	118,518					$	50,454					$	159,721					$	69,523					$	906,835
Special Mention						1,899						—						6,007						17,004						2,095						13,934						439						41,378
Substandard						103						8,410						345						405						473						14,722						1,185						25,643
Doubtful						—						—						—						—						—						15						331						346
Loss						—						—						—						—						—						—						—						—
Total commercial secured by real estate						222,037						186,185						117,161						135,927						53,022						188,392						71,478						974,202
Other commercial and industrial:
Loan grade:
Pass						123,659						198,776						67,147						35,678						13,807						7,863						397,944						844,874
Special Mention						3						60						31						654						1,819						21						3,823						6,411
Substandard						112						—						260						472						280						74						1,920						3,118
Doubtful						—						—						—						—						—						—						39						39
Loss						—						—						—						—						—						—						—						—
Total other commercial and industrial:						123,774						198,836						67,438						36,804						15,906						7,958						403,726						854,442
US commercial loans:
Loan grade:
Pass						81,155						92,688						43,965						33,827						49,356						—						308,183						609,174
Special Mention						6,346						—						—						—						—						—						1,122						7,468
Substandard						3,363						—						8,090						—						4,449						—						9,589						25,491
Doubtful						—						—						—						—						—						—						—						—
Loss						—						—						—						—						—						—						—						—
Total US commercial loans:						90,864						92,688						52,055						33,827						53,805						—						318,894						642,133
Total commercial loans						$	436,675					$	477,709					$	236,654					$	206,558					$	122,733					$	196,350					$	794,098					$	2,470,777

The following tables present the amortized cost in mortgage and consumer loans held for investment based on payment activity as of June 30, 2023 and December 31, 2022:

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Mortgage:
Payment performance:
Performing						$	5,996					$	19,898					$	24,880					$	16,182					$	14,600					$	532,399					$	—					$	613,955
Nonperforming						—						—						—						109						328						27,163						—						27,600
Total mortgage loans:						5,996						19,898						24,880						16,291						14,928						559,562						—						641,555
Mortgage:
Current-period gross charge-offs						—						—						—						—						—						392						—						392
Consumer:
Personal loans:
Payment performance:
Performing						161,223						232,481						87,578						24,773						22,131						10,557						—						538,743
Nonperforming						166						1,019						355						169						154						369						—						2,232
Total personal loans						161,389						233,500						87,933						24,942						22,285						10,926						—						540,975
Personal loans:
Current-period gross charge-offs						23						4,998						2,364						444						818						308						—						8,955
Credit lines:
Payment performance:
Performing						—						—						—						—						—						—						11,249						11,249
Nonperforming						—						—						—						—						—						—						63						63
Total credit lines						—						—						—						—						—						—						11,312						11,312
Credit lines:
Current-period gross charge-offs						—						—						—						—						—						—						214						214
Credit cards:
Payment performance:
Performing						—						—						—						—						—						—						39,949						39,949
Nonperforming						—						—						—						—						—						—						612						612
Total credit cards						—						—						—						—						—						—						40,561						40,561
Credit cards:
Current-period gross charge-offs						—						—						—						—						—						—						1,486						1,486
Overdrafts:
Payment performance:
Performing						—						—						—						—						—						—						274						274
Nonperforming						—						—						—						—						—						—						—						—
Total overdrafts						—						—						—						—						—						—						274						274
Overdrafts:
Current-period gross charge-offs						—						—						—						—						—						—						303						303

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2023						2022						2021						2020						2019						Prior
						(In thousands)
Total consumer loans						161,389						233,500						87,933						24,942						22,285						10,926						52,147						593,122
Total consumer current-period gross charge-offs						23						4,998						2,364						444						818						308						2,003						10,958
Total mortgage and consumer loans						$	167,385					$	253,398					$	112,813					$	41,233					$	37,213					$	570,488					$	52,147					$	1,234,677
Total mortgage and consumer current-period gross charge-offs						$	23					$	4,998					$	2,364					$	444					$	818					$	700					$	2,003					$	11,350

						Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
						2022						2021						2020						2019						2018						Prior
						(In thousands)
Mortgage:
Payment performance:
Performing						$	18,700					$	25,274					$	16,175					$	15,457					$	16,790					$	549,885					$	—					$	642,281
Nonperforming						—						—						110						574						241						32,587						—						33,512
Total mortgage loans:						18,700						25,274						16,285						16,031						17,031						582,472						—						675,793
Consumer:
Personal loans:
Payment performance:
Performing						284,183						112,591						31,876						31,850						12,022						5,768						—						478,290
Nonperforming						831						661						111						300						81						346						—						2,330
Total personal loans						285,014						113,252						31,987						32,150						12,103						6,114						—						480,620
Credit lines:
Payment performance:
Performing						—						—						—						—						—						—						12,710						12,710
Nonperforming						—						—						—						—						—						—						116						116
Total credit lines						—						—						—						—						—						—						12,826						12,826
Credit cards:
Payment performance:
Performing						—						—						—						—						—						—						42,189						42,189
Nonperforming						—						—						—						—						—						—						683						683
Total credit cards						—						—						—						—						—						—						42,872						42,872
Overdrafts:
Payment performance:
Performing						—						—						—						—						—						—						301						301
Nonperforming						—						—						—						—						—						—						—						—
Total overdrafts						—						—						—						—						—						—						301						301
Total consumer loans						285,014						113,252						31,987						32,150						12,103						6,114						55,999						536,619
Total mortgage and consumer loans						$	303,714					$	138,526					$	48,272					$	48,181					$	29,134					$	588,586					$	55,999					$	1,212,412

The following tables present the amortized cost in auto loans and leases held for investment based on their most recent FICO score as of June 30, 2023 and December 31, 2022:

			Term Loans Amortized Cost Basis by Origination Year																																				Total
			2023						2022						2021						2020						2019						Prior
			(In thousands)
Auto loans and leases:
FICO score:
1-660			79,226						202,606						133,141						65,096						48,918						55,603						584,590
661-699			86,433						145,405						72,453						32,591						24,416						23,826						385,124
700+			234,111						354,101						210,260						123,846						111,118						94,364						1,127,800
No FICO			3,031						7,444						5,414						3,045						4,851						2,777						26,562
Total auto loans and leases:			$	402,801					$	709,556					$	421,268					$	224,578					$	189,303					$	176,570					$	2,124,076
Auto loans and leases:
Current-period gross charge-offs			$	94					$	7,666					$	5,245					$	2,039					$	1,795					$	1,809					$	18,648

			Term Loans Amortized Cost Basis by Origination Year																																				Total
			2022						2021						2020						2019						2018						Prior
			(In thousands)
Auto loans and leases:
FICO score:
1-660			178,426						143,926						72,148						58,069						44,156						31,980						528,705
661-699			171,723						93,359						42,388						31,033						21,283						13,518						373,304
700+			375,845						235,743						144,783						135,517						88,597						47,499						1,027,984
No FICO			7,766						6,553						3,741						5,873						3,008						1,323						28,264
Total auto loans and leases			$	733,760					$	479,581					$	263,060					$	230,492					$	157,044					$	94,320					$	1,958,257

Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted

The following table presents the amortized cost basis as of June 30, 2023 of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the prior six-months.

			Six-Month Period Ended June 30, 2023
			Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted
			Interest Rate Reduction						Term Extension						Principal Forgiveness/Forbearance						Combination - Term Extension and Interest Rate Reduction						Total
			(In thousands)
Mortgage			$	—					$	415					$	—					$	—					$	415

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