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REGULATORY CAPITAL REQUIREMENTS (Details) $ in Thousands | Jun. 30, 2025 USD ($) | Dec. 31, 2024 USD ($)
--- | --- | ---
OFG Bancorp |  |
Amount |  |
Actual - Total capital to risk-weighted assets | $ 1,409,447 | $ 1,367,692
Actual - Tier 1 capital to risk-weighted assets | 1,293,041 | 1,256,906
Actual - Common equity tier 1 capital to risk-weighted assets | 1,293,041 | 1,256,906
Actual - Tier 1 capital to average total assets | 1,293,041 | 1,256,906
Minimum Capital Requirement - Total capital to risk-weighted assets | 970,738 | 925,305
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 785,836 | 749,056
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 647,159 | 616,870
Minimum Capital Requirement - Tier 1 capital to average total assets | 477,663 | 460,138
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 924,513 | 881,242
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 739,610 | 704,994
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 600,933 | 572,807
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 597,078 | $ 575,172
Ratio |  |
Actual - total capital to risk-weighted assets | 0.1525 | 0.1552
Actual - Tier 1 capital to risk-weighted assets | 0.1399 | 0.1426
Actual - Common equity tier 1 capital to risk-weighted assets | 0.1399 | 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 | $ 1,304,814 | $ 1,301,684
Actual - Tier 1 capital to risk-weighted assets | 1,189,212 | 1,191,547
Actual - Common equity tier 1 capital to risk-weighted assets | 1,189,212 | 1,191,547
Actual - Tier 1 capital to average total assets | 1,189,212 | 1,191,547
Minimum Capital Requirement - Total capital to risk-weighted assets | 963,900 | 919,781
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 780,300 | 744,585
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 642,600 | 613,187
Minimum Capital Requirement - Tier 1 capital to average total assets | 472,586 | 456,144
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 918,000 | 875,982
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 734,400 | 700,786
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 596,700 | 569,388
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 590,732 | $ 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 | 0.1007 | 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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