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REGULATORY CAPITAL REQUIREMENTS (Tables) | 9 Months Ended
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Sep. 30, 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 September 30, 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 September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Total capital to risk-weighted assets | $ | 1,430,713 |  |  | 15.39 | % |  | $ | 976,348 |  |  | 10.50 | % |  | $ | 929,856 |  |  | 10.00 | %
Tier 1 capital to risk-weighted assets | $ | 1,313,558 |  |  | 14.13 | % |  | $ | 790,377 |  |  | 8.50 | % |  | $ | 743,884 |  |  | 8.00 | %
Common equity tier 1 capital to risk-weighted assets | $ | 1,313,558 |  |  | 14.13 | % |  | $ | 650,899 |  |  | 7.00 | % |  | $ | 604,406 |  |  | 6.50 | %
Tier 1 capital to average total assets | $ | 1,313,558 |  |  | 10.75 | % |  | $ | 488,574 |  |  | 4.00 | % |  | $ | 610,717 |  |  | 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 September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Total capital to risk-weighted assets | $ | 1,355,778 |  |  | 14.67 | % |  | $ | 970,533 |  |  | 10.50 | % |  | $ | 924,317 |  |  | 10.00 | %
Tier 1 capital to risk-weighted assets | $ | 1,239,307 |  |  | 13.41 | % |  | $ | 785,669 |  |  | 8.50 | % |  | $ | 739,453 |  |  | 8.00 | %
Common equity tier 1 capital to risk-weighted assets | $ | 1,239,307 |  |  | 13.41 | % |  | $ | 647,022 |  |  | 7.00 | % |  | $ | 600,806 |  |  | 6.50 | %
Tier 1 capital to average total assets | $ | 1,239,307 |  |  | 10.23 | % |  | $ | 484,509 |  |  | 4.00 | % |  | $ | 605,636 |  |  | 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 | %

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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