| Metric | Oriental Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +5.9% | -6.4 pts |
| Deposit growth (YoY) | -1.6% | +5.7% | -7.3 pts |
| Loan growth (YoY) | +1.3% | +6.9% | -5.6 pts |
| ROA | 1.80% | 1.23% | +0.6 pts |
| ROE | 16.6% | 11.2% | +5.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.04B | $9.99B | $8.12B | $1.32B | $109.4M | 1.80% | 5.46% | 1.11% |
| Q1 2026 | $11.97B | $9.86B | $8.04B | $1.30B | $53.0M | 1.74% | 5.37% | 1.59% |
| Q4 2025 | $12.38B | $10.27B | $8.01B | $1.33B | $189.5M | 1.59% | 5.44% | 1.65% |
| Q3 2025 | $12.13B | $10.02B | $7.94B | $1.30B | $140.8M | 1.59% | 5.48% | 1.37% |
| Q2 2025 | $12.11B | $10.15B | $8.01B | $1.23B | $93.0M | 1.59% | 5.48% | 1.33% |
| Q1 2025 | $11.59B | $9.93B | $7.69B | $1.17B | $43.7M | 1.52% | 5.52% | 1.33% |
| Q4 2024 | $11.42B | $9.61B | $7.63B | $1.19B | $185.7M | 1.65% | 5.58% | 1.35% |
| Q3 2024 | $11.35B | $9.62B | $7.60B | $1.22B | $140.2M | 1.67% | 5.57% | 1.26% |
Loan mix (Q2 2026): real estate $2.72B · commercial $1.66B · consumer $3.29B · securities $2.63B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Oriental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.23% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.3% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.46% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 54.9% | 38th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Oriental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Oriental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Oriental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Oriental Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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