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REGULATORY CAPITAL REQUIREMENTS (Details) $ in Thousands | Mar. 31, 2025 USD ($) | Dec. 31, 2024 USD ($)
--- | --- | ---
OFG Bancorp |  |
Amount |  |
Actual - Total capital to risk-weighted assets | $ 1,373,004 | $ 1,367,692
Actual - Tier 1 capital to risk-weighted assets | 1,261,662 | 1,256,906
Actual - Common equity tier 1 capital to risk-weighted assets | 1,261,662 | 1,256,906
Actual - Tier 1 capital to average total assets | 1,261,662 | 1,256,906
Minimum Capital Requirement - Total capital to risk-weighted assets | 928,519 | 925,305
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 751,659 | 749,056
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 619,013 | 616,870
Minimum Capital Requirement - Tier 1 capital to average total assets | 466,161 | 460,138
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 884,304 | 881,242
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 707,443 | 704,994
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 574,798 | 572,807
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 582,701 | $ 575,172
Ratio |  |
Actual - total capital to risk-weighted assets | 0.1553 | 0.1552
Actual - Tier 1 capital to risk-weighted assets | 0.1427 | 0.1426
Actual - Common equity tier 1 capital to risk-weighted assets | 0.1427 | 0.1426
Actual - Tier 1 capital to average total assets | 0.1083 | 0.1093
Minimum Capital Requirement - Total capital to risk-weighted assets | 0.1050 | 0.1050
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 0.0850 | 0.0850
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 0.0700 | 0.0700
Minimum Capital Requirement - Tier 1 capital to average total assets | 0.0400 | 0.0400
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 0.1000 | 0.1000
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 0.0800 | 0.0800
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 0.0650 | 0.0650
Minimum to be Well Capitalized - Tier 1 capital to average total assets | 0.0500 | 0.0500
Bank |  |
Amount |  |
Actual - Total capital to risk-weighted assets | $ 1,247,671 | $ 1,301,684
Actual - Tier 1 capital to risk-weighted assets | 1,137,103 | 1,191,547
Actual - Common equity tier 1 capital to risk-weighted assets | 1,137,103 | 1,191,547
Actual - Tier 1 capital to average total assets | 1,137,103 | 1,191,547
Minimum Capital Requirement - Total capital to risk-weighted assets | 921,938 | 919,781
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 746,330 | 744,585
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 614,625 | 613,187
Minimum Capital Requirement - Tier 1 capital to average total assets | 462,436 | 456,144
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 878,036 | 875,982
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 702,429 | 700,786
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 570,723 | 569,388
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 578,045 | $ 570,179
Ratio |  |
Actual - total capital to risk-weighted assets | 0.1421 | 0.1486
Actual - Tier 1 capital to risk-weighted assets | 0.1295 | 0.1360
Actual - Common equity tier 1 capital to risk-weighted assets | 0.1295 | 0.1360
Actual - Tier 1 capital to average total assets | 0.0984 | 0.1045
Minimum Capital Requirement - Total capital to risk-weighted assets | 0.1050 | 0.1050
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 0.0850 | 0.0850
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 0.0700 | 0.0700
Minimum Capital Requirement - Tier 1 capital to average total assets | 0.0400 | 0.0400
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 0.1000 | 0.1000
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 0.0800 | 0.0800
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 0.0650 | 0.0650
Minimum to be Well Capitalized - Tier 1 capital to average total assets | 0.0500 | 0.0500

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