BlastPoint's Banking Scorecard
Oriental Bank
Mid-Market
Specialty: Commercial
PR
FDIC cert 31469
Designations: ✓ Community bank
San Juan, PR
201
banks in Mid-Market tier nationally
2 in PR
View Mid-Market leaderboard (PR) →
Oriental Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.04% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.84% above tier
- - Nonperforming Asset Ratio 1.16% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.4B
+8.5% YoY
+2.1% QoQ
|
+$1.9B |
$10.5B
+2.9% YoY
|
$22.9B
+2.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$8.0B
+5.0% YoY
+1.0% QoQ
|
+$882.9M |
$7.1B
+4.5% YoY
|
$12.0B
+5.1% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$10.3B
+6.8% YoY
+2.5% QoQ
|
+$1.7B |
$8.5B
+3.0% YoY
|
$20.5B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.59%
-3.8% YoY
+0.0% QoQ
|
+0.43% |
1.16%
+9.4% YoY
|
0.49%
+225.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.44%
-2.5% YoY
-0.8% QoQ
|
+2.04% |
3.40%
+7.9% YoY
|
4.21%
-3.4% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
52.92%
+1.0% YoY
+2.8% QoQ
|
-3.68% |
56.60%
-3.2% YoY
|
83.21%
+49.5% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
2.52%
+28.7% YoY
+22.4% QoQ
|
+1.84% |
0.68%
+12.0% YoY
|
1.51%
+18.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
78.07%
-1.7% YoY
-1.5% QoQ
|
-7.40% |
85.47%
+1.1% YoY
|
66.27%
+15.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
25.61%
-1.5% YoY
-1.0% QoQ
|
+4.97% |
20.64%
-0.3% YoY
|
22.68%
+3.5% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.65%
+22.8% YoY
+20.3% QoQ
|
+1.16% |
0.50%
+7.3% YoY
|
0.89%
+14.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
13.44%
-1.2% YoY
+0.2% QoQ
|
-0.11% |
13.55%
+1.8% YoY
|
20.23%
+32.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.72%
-10.1% YoY
+29.0% QoQ
|
-0.23% |
0.96%
+7.1% YoY
|
0.58%
-3.3% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Mid-Market
Why this stands out
Current:
5.44%
(Tier avg: 3.40%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
2.52%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
1.65%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.44% · Tier avg: 3.40%
79
79th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
75
75th pctile
Loan-to-Deposit Ratio
Current: 78.07% · Tier avg: 85.47%
73
73th pctile
Total Deposits
Current: $10.3B · Tier avg: $8.5B
73
73th pctile
Total Assets
Current: $12.4B · Tier avg: $10.5B
73
73th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.61% · Tier avg: 20.64%
66
66th pctile
Efficiency Ratio
Current: 52.92% · Tier avg: 56.60%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 13.55%
57
57th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.68%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.68%
6
6th pctile
Nonperforming Asset Ratio
Current: 1.65% · Tier avg: 0.50%
57
57th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.44% · Tier avg: 13.55%
66
66th pctile
Efficiency Ratio
Current: 52.92% · Tier avg: 56.60%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.61% · Tier avg: 20.64%
73
73th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
73
73th pctile
Total Assets
Current: $12.4B · Tier avg: $10.5B
73
73th pctile
Total Deposits
Current: $10.3B · Tier avg: $8.5B
75
75th pctile
Loan-to-Deposit Ratio
Current: 78.07% · Tier avg: 85.47%
79
79th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.44% · Tier avg: 3.40%