What is OFG Bancorp's US – federal — prior, charge-offs?

OFG Bancorp (OFG) reported US – federal — prior, charge-offs of $0 in Q2 2026.

What is the long-term trend for OFG Bancorp's US – federal — prior, charge-offs?

Over 2 years (2023 to 2025), OFG Bancorp's US – federal — prior, charge-offs has grown at a -100.0% compound annual growth rate (CAGR), from $8.64M to $0.

What does US – federal — prior, charge-offs mean?

Represents the aggregate gross charge-offs associated with legacy or prior-period loan portfolios within the US Federal segment. This metric captures historical credit losses that are not attributed to specific recent vintages. It is important for understanding the total historical loss experience and the cleanup of legacy assets.

OFG Bancorp (OFG) US – Federal — Prior, charge-offs

Screener

Other geography segments

Domestic - Puerto Rico

$14.36M—

Similar metrics at other companies

XRXCanada — Charge-offs, Prior

$0—

XRXEMEA — Charge-offs, Prior

$0—

XRXOther — Charge-offs, Prior

$0—

XRXUnited States (Direct) — Charge-offs, Prior

$1M—

XRXUnited States (Indirect) — Charge-offs, Prior

$1M0.0%

FBPPR And VI — Financing Receivable Excluding Accrued Interest Originated More Than Five Years Before Current Fiscal Year Writeoff

$562K-68.7%

Other financials

Income statement

See full

Revenue$190.3M+4.4%

Net income$58.8M+13.5%

EPS (diluted)$1.39+20.9%

Balance sheet

See full

Cash & equivalents$745.7M-12.5%

Total debt$21.4M+10.4%

Total equity$1.4B+5.5%

Total assets$12.2B-0.6%

Cash flow

See full

Operating cash flow$53.2M+48.0%

CapEx$8.1M+96.0%

Free cash flow$45.1M+41.8%

Valuation

See full

Market cap$2.24B+18.5%

Enterprise value$1.51B+43.4%

P/E10.1×+0.5×

P/S3×+0.4×

Profitability

See full

Net margin29.5%+2.4pp

FCF margin27.1%-0.2pp

Returns & leverage

See full

Return on equity16.1%+0.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by OFG Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff.

The source filing: OFG Bancorp’s 10-Q, filed August 6, 2026.

Filed: Aug 6, 2026, 12:28 PM EDT
Fiscal quarter: Q2 FY2026
Calendar quarter: Q2 2026
Accession: 0001030469-26-000038

Line item	Term Loans Amortized Cost Basis by Origination Year / 2026	Term Loans Amortized Cost Basis by Origination Year / 2025	Term Loans Amortized Cost Basis by Origination Year / 2024	Term Loans Amortized Cost Basis by Origination Year / 2023	Term Loans Amortized Cost Basis by Origination Year / 2022	Term Loans Amortized Cost Basis by Origination Year / Prior	Revolving Loans Amortized Cost Basis	Total
Substandard	552	—	9,828	24,600	9,471	—	—	44,451
Doubtful	—	—	1,373	—	—	—	—	1,373
Loss	—	—	—	—	—	—	—	—
Total Commercial US:	125,023	187,246	57,503	103,321	21,676	44,898	331,787	871,454
Commercial US:
YTD gross charge-offs	—	1,608	—	—	3,934	—	—	5,542
Total commercial loans	$399,835	$669,778	$286,649	$402,214	$225,260	$365,090	$1,201,908	$3,550,734
Total YTD gross charge-offs	$84	$1,750	$578	$4	$4,069	$14,358	—	$20,843

Cover / Front Matter

FAQ

What is OFG Bancorp's US – federal — prior, charge-offs?: OFG Bancorp (OFG) reported US – federal — prior, charge-offs of $0 in Q2 2026.
What is the long-term trend for OFG Bancorp's US – federal — prior, charge-offs?: Over 2 years (2023 to 2025), OFG Bancorp's US – federal — prior, charge-offs has grown at a -100.0% compound annual growth rate (CAGR), from $8.64M to $0.
What does US – federal — prior, charge-offs mean?: Represents the aggregate gross charge-offs associated with legacy or prior-period loan portfolios within the US Federal segment. This metric captures historical credit losses that are not attributed to specific recent vintages. It is important for understanding the total historical loss experience and the cleanup of legacy assets.