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REGULATORY CAPITAL REQUIREMENTS (Details) $ in Thousands | Sep. 30, 2025 USD ($) | Dec. 31, 2024 USD ($)
--- | --- | ---
OFG Bancorp |  |
Amount |  |
Actual - Total capital to risk-weighted assets | $ 1,430,713 | $ 1,367,692
Actual - Tier 1 capital to risk-weighted assets | 1,313,558 | 1,256,906
Actual - Common equity tier 1 capital to risk-weighted assets | 1,313,558 | 1,256,906
Actual - Tier 1 capital to average total assets | 1,313,558 | 1,256,906
Minimum Capital Requirement - Total capital to risk-weighted assets | 976,348 | 925,305
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 790,377 | 749,056
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 650,899 | 616,870
Minimum Capital Requirement - Tier 1 capital to average total assets | 488,574 | 460,138
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 929,856 | 881,242
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 743,884 | 704,994
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 604,406 | 572,807
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 610,717 | $ 575,172
Ratio |  |
Actual - total capital to risk-weighted assets | 0.1539 | 0.1552
Actual - Tier 1 capital to risk-weighted assets | 0.1413 | 0.1426
Actual - Common equity tier 1 capital to risk-weighted assets | 0.1413 | 0.1426
Actual - Tier 1 capital to average total assets | 0.1075 | 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 | $ 1,355,778 | $ 1,301,684
Actual - Tier 1 capital to risk-weighted assets | 1,239,307 | 1,191,547
Actual - Common equity tier 1 capital to risk-weighted assets | 1,239,307 | 1,191,547
Actual - Tier 1 capital to average total assets | 1,239,307 | 1,191,547
Minimum Capital Requirement - Total capital to risk-weighted assets | 970,533 | 919,781
Minimum Capital Requirement - Tier 1 capital to risk-weighted assets | 785,669 | 744,585
Minimum Capital Requirement - Common equity tier 1 capital to risk-weighted assets | 647,022 | 613,187
Minimum Capital Requirement - Tier 1 capital to average total assets | 484,509 | 456,144
Minimum to be Well Capitalized - Total capital to risk-weighted assets | 924,317 | 875,982
Minimum to be Well Capitalized - Tier 1 capital to risk-weighted assets | 739,453 | 700,786
Minimum to be Well Capitalized - Common equity tier 1 capital to risk-weighted assets | 600,806 | 569,388
Minimum to be Well Capitalized - Tier 1 capital to average total assets | $ 605,636 | $ 570,179
Ratio |  |
Actual - total capital to risk-weighted assets | 0.1467 | 0.1486
Actual - Tier 1 capital to risk-weighted assets | 0.1341 | 0.1360
Actual - Common equity tier 1 capital to risk-weighted assets | 0.1341 | 0.1360
Actual - Tier 1 capital to average total assets | 0.1023 | 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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