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REGULATORY CAPITAL REQUIREMENTS (Tables)

3 Months Ended

Mar. 31, 2025

Capital Disclosure [Abstract]

Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations

OFG’s and the Bank’s actual capital amounts and ratios as of March 31, 2025 and December 31, 2024 were as follows:


			Actual												Minimum Capital Requirement (including capital conservation buffer)												Minimum to be Well Capitalized
			Amount						Ratio						Amount						Ratio						Amount						Ratio
			(Dollars in thousands)
OFG Bancorp Ratios
As of March 31, 2025
Total capital to risk-weighted assets			$	1,373,004					15.53		%				$	928,519					10.50		%				$	884,304					10.00		%
Tier 1 capital to risk-weighted assets			$	1,261,662					14.27		%				$	751,659					8.50		%				$	707,443					8.00		%
Common equity tier 1 capital to risk-weighted assets			$	1,261,662					14.27		%				$	619,013					7.00		%				$	574,798					6.50		%
Tier 1 capital to average total assets			$	1,261,662					10.83		%				$	466,161					4.00		%				$	582,701					5.00		%
As of December 31, 2024
Total capital to risk-weighted assets			$	1,367,692					15.52		%				$	925,305					10.50		%				$	881,242					10.00		%
Tier 1 capital to risk-weighted assets			$	1,256,906					14.26		%				$	749,056					8.50		%				$	704,994					8.00		%
Common equity tier 1 capital to risk-weighted assets			$	1,256,906					14.26		%				$	616,870					7.00		%				$	572,807					6.50		%
Tier 1 capital to average total assets			$	1,256,906					10.93		%				$	460,138					4.00		%				$	575,172					5.00		%


			Actual												Minimum Capital Requirement (including capital conservation buffer)												Minimum to be Well Capitalized
			Amount						Ratio						Amount						Ratio						Amount						Ratio
			(Dollars in thousands)
Bank Ratios
As of March 31, 2025
Total capital to risk-weighted assets			$	1,247,671					14.21		%				$	921,938					10.50		%				$	878,036					10.00		%
Tier 1 capital to risk-weighted assets			$	1,137,103					12.95		%				$	746,330					8.50		%				$	702,429					8.00		%
Common equity tier 1 capital to risk-weighted assets			$	1,137,103					12.95		%				$	614,625					7.00		%				$	570,723					6.50		%
Tier 1 capital to average total assets			$	1,137,103					9.84		%				$	462,436					4.00		%				$	578,045					5.00		%
As of December 31, 2024
Total capital to risk-weighted assets			$	1,301,684					14.86		%				$	919,781					10.50		%				$	875,982					10.00		%
Tier 1 capital to risk-weighted assets			$	1,191,547					13.60		%				$	744,585					8.50		%				$	700,786					8.00		%
Common equity tier 1 capital to risk-weighted assets			$	1,191,547					13.60		%				$	613,187					7.00		%				$	569,388					6.50		%
Tier 1 capital to average total assets			$	1,191,547					10.45		%				$	456,144					4.00		%				$	570,179					5.00		%