The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 7 points (54 → 61), mostly because the loan quality component improved by 12 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Puerto Rico

Yes. Oriental Bank is an FDIC-insured institution (FDIC certificate #31469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.0% of deposits ($5.2B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.48% (benchmark: 10%).

Check how much of your own balance is covered

Oriental Bank lists 45 offices in 28 cities across 2 states. Most locations:

• San Juan, PR (6)
• Bayamon, PR (4)
• Ponce, PR (4)
• Carolina, PR (3)
• Guaynabo, PR (3)
• Caguas, PR (2)
• Mayaguez, PR (2)
• Aguadilla, PR (1)
• Aibonito, PR (1)
• Cayey, PR (1)
• Charlotte Amalie, VI (1)
• Christiansted, VI (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 162 consumer complaints about OFG BANCORP to the company (89 in the last 12 months). 100.0% received a timely response. That is 16.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Oriental Bank reported 1,566 home-loan applications under HMDA (LEI 549300ZLPU75MU7O0T38): 928 originated ($191,380,000 total), 342 denied, and 272 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Oriental Bank

Former names

Oriental Bank and Trust; Oriental Federal Savings Bank

Type

State-chartered bank

FDIC certificate #

31469

RSSD ID

245276

Primary regulator

FDIC

Holding company

Ofg Bcorp

Established

March 25, 1965

Headquarters

254 Munoz Rivera, San Juan, PR 00918

Website

www.orientalbank.com

Employees

2,156