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REGULATORY CAPITAL REQUIREMENTS (Tables)

9 Months Ended

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		%