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OFG Bancorp OFG Loans modified after 12 months

Loans modified after 12 months at other companies

Flagstar Bank logo
Flagstar Bank FLG
$216M+1,171%
Customers Bancorp logo
Customers BancorpCUBI
——

Segments

By geography

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UNITED STATES$12.99M-51.5%
Puerto Rico$1.93M—

Other financials

Income statement

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Revenue$186.0M+4.1%
Net income$53.9M+18.4%
EPS (diluted)$1.26+26.0%

Balance sheet

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Cash & equivalents$636.5M-10.4%
Total debt$22.1M+6.2%
Total equity$1.4B+5.5%
Total assets$12.0B+2.7%

Cash flow

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Operating cash flow$73.1M-12.0%
CapEx$4.4M+0.1%
Free cash flow$68.8M-12.6%

Valuation

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Market cap$2.03B-5.5%
Enterprise value$1.42B-2.2%
P/E9.5×-1.6×
P/S2.8×-0.3×

Profitability

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Net margin28.9%+1.8pp
FCF margin25.6%-10.0pp

Returns & leverage

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Return on equity16%+0.6pp
Debt / equity0×0.0×

Where this comes from

Reported directly by OFG Bancorp in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months.

The official record: OFG Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OFG Bancorp's loans modified after 12 months?
OFG Bancorp (OFG) reported loans modified after 12 months of $18.12M in Q1 2026.
How has OFG Bancorp's loans modified after 12 months changed year-over-year?
OFG Bancorp's loans modified after 12 months decreased by 38.0% year-over-year, from $29.22M to $18.12M.
What is the long-term trend for OFG Bancorp's loans modified after 12 months?
Over 2 years (2023 to 2025), OFG Bancorp's loans modified after 12 months has grown at a -0.1% compound annual growth rate (CAGR), from $25.11M to $25.04M.
What does loans modified after 12 months mean?
The volume of loans that have undergone a formal modification or restructuring process after a period of 12 months from origination. This metric identifies the extent to which the bank is actively managing distressed borrowers through loan workouts rather than immediate foreclosure. It provides insight into the bank's long-term credit management strategy and portfolio health.