Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

ORIENTAL BANK

FDIC #31469 · PR · period 20260630

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Total assets6,838,253+7.24% YoY

Total deposits4,788,250+1.30% YoY

Net loans and leases4,360,129+6.61% YoY

Return on assets0.82%-10.73% YoY

Return on equity6.37%-0.31% YoY

Net interest margin4.80%-6.87% YoY

Peer position

Return on assets84thstrength · n=112

Return on equity84thstrength · n=108

Net interest margin93rdstrength · n=112

Equity to assets37thin line · n=108

Noncurrent loans11thopportunity · n=106

Liquid assets71ststrength · n=108

Brokered deposits55thin line · n=107

Loans to deposits64thin line · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	6,838,253	4,788,250	4,360,129	0.82	6.37	4.80
2016-06-30	6,672,200	4,648,771	4,373,617	0.83	6.27	4.80
2016-09-30	6,549,776	4,757,535	4,298,965	0.86	6.39	4.92
2016-12-31	6,457,746	4,668,231	4,147,690	0.87	6.43	4.95
2017-03-31	6,376,656	4,726,625	4,089,708	0.92	6.39	5.16
2017-06-30	6,201,615	4,589,485	4,091,866	1.00	6.80	5.24
2017-09-30	6,250,363	4,833,134	3,964,571	0.74	5.01	5.40
2017-12-31	6,145,411	4,807,365	4,056,329	0.82	5.52	5.37
2018-03-31	6,204,060	4,843,206	4,133,429	1.09	7.16	5.34
2018-06-30	6,454,960	4,891,308	4,315,866	1.21	8.04	5.38
2018-09-30	6,603,868	5,096,793	4,352,980	1.28	8.60	5.44
2018-12-31	6,529,697	4,916,796	4,431,594	1.36	9.13	5.47
2019-03-31	6,542,596	4,903,517	4,401,400	1.50	9.89	5.50
2019-06-30	6,397,469	4,951,570	4,474,499	1.50	9.69	5.52
2019-09-30	6,284,650	4,896,625	4,407,190	1.16	7.43	5.55
2019-12-31	9,253,736	7,713,848	6,641,847	0.80	5.54	5.09
2020-03-31	9,203,142	7,835,586	6,541,175	0.07	0.65	5.14
2020-06-30	9,893,751	8,558,017	6,739,243	0.54	5.02	5.01
2020-09-30	9,976,286	8,648,896	6,579,141	0.76	7.06	4.85
2020-12-31	9,776,815	8,436,729	6,501,259	0.78	7.22	4.78
2021-03-31	10,000,022	8,777,786	6,432,081	1.17	11.31	4.45
2021-06-30	10,367,009	9,114,549	6,354,040	1.39	13.66	4.45
2021-09-30	10,559,184	9,263,293	6,282,485	1.47	14.58	4.43
2021-12-31	9,805,742	8,624,346	6,329,311	1.43	14.09	4.49
2022-03-31	10,147,522	8,999,854	6,449,130	1.49	14.81	4.67
2022-06-30	10,194,152	9,049,581	6,585,210	1.53	15.57	4.83
2022-09-30	9,983,085	8,869,690	6,591,028	1.56	16.13	5.07
2022-12-31	9,709,667	8,580,409	6,723,236	1.63	16.82	5.30
2023-03-31	9,958,767	8,580,635	6,735,281	1.80	18.30	6.00
2023-06-30	9,931,085	8,552,961	6,988,244	1.76	17.64	6.05
2023-09-30	10,140,847	8,555,018	7,130,052	1.73	17.43	6.04
2023-12-31	11,232,529	9,774,837	7,401,618	1.67	16.95	5.92
2024-03-31	11,027,291	9,561,804	7,411,380	1.71	17.38	5.48
2024-06-30	11,153,720	9,615,826	7,503,142	1.72	17.25	5.56
2024-09-30	11,346,609	9,619,976	7,604,700	1.67	16.40	5.57
2024-12-31	11,415,707	9,611,803	7,633,830	1.65	16.15	5.58
2025-03-31	11,590,201	9,934,489	7,688,271	1.52	14.81	5.52
2025-06-30	12,105,702	10,151,526	8,009,599	1.59	15.54	5.48
2025-09-30	12,132,496	10,015,385	7,935,413	1.59	15.35	5.48
2025-12-31	12,384,752	10,265,021	8,014,246	1.59	15.23	5.44
2026-03-31	11,965,833	9,856,845	8,040,074	1.74	16.07	5.37
2026-06-30	12,043,258	9,992,550	8,117,021	1.80	16.60	5.46

Structure and branch footprint

45 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-12-31	1	716413	245276
2012-12-19	1	170716	245276
2010-05-01	50	1164730	245276

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.