Total Assets
$12.4B
Total balance-sheet footings
FDIC Cert #31469 · San Juan, Puerto Rico · Est. 1965
Oriental Bank - FDIC Bank Health Profile
A community-scale look at Oriental Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $12.4B
- Total assets
- A
- Health grade · Excellent
- 1.59%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
Oriental Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.44% Tier 1, profitable at 1.59% ROA, efficient (53% cost ratio).
- #141
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 13.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Oriental Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Oriental Bank's composite health score
Tier 1 Capital Ratio (13.44%) 35/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (13.19%) 16/20
Efficiency Ratio (52.92%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.3B
Customer-funded liabilities
Net Loans
$8.0B
Outstanding loan book
Net Income
$190M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Oriental Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oriental Bank's score of 88/100 falls in the highlighted band.
Oriental Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Oriental Bank's $12.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.44%
Texas Ratio
13.19%
Equity Capital
$1.3B
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
15.23%
Efficiency Ratio
52.92%
What the numbers say about Oriental Bank
Oriental Bank is an FDIC-insured institution (Certificate #31469) headquartered in San Juan, Puerto Rico, established in 1965. It holds $12.4B in total assets - 141st of 4,313 FDIC-insured banks, $10.3B in customer deposits, and $8.0B in net loans. Looking at capital strength, Tier 1 stands at 13.44%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 13.19%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Oriental Bank's asset base places it among the largest FDIC-insured institutions in the country, 141st of 4,313 nationally, and 3rd of 5 banks headquartered in Puerto Rico. Only FirstBank Puerto Rico ($19.1B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$781M
Interest Income
$89M
Non-Interest Income
$376M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Oriental Bank reports a Texas Ratio of 13.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Puerto Rico by total assets
National size peers: banks closest to Oriental Bank by assets
Oriental Bank is closely matched in total assets by First Commonwealth Bank, Safra National Bank of New York, Dollar Bank, Federal Savings Bank, BancFirst across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.09%, versus Oriental Bank's own 1.59%; the average efficiency ratio is 61.63%, versus 52.92% here; and average Tier 1 capital sits at 15.92%, versus 13.44% at Oriental Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $12.4B in assets, Oriental Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Oriental Bank (this bank) | PR | $12.4B | 1.59% | 52.92% | 13.44% |
| First Commonwealth Bank | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| Safra National Bank of New York | NY | $12.5B | 0.92% | 64.01% | 22.33% |
| Dollar Bank, Federal Savings Bank | PA | $12.5B | 0.53% | 75.71% | 15.21% |
| BancFirst | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| First Bank | NC | $12.7B | 0.94% | 50.34% | 14.69% |
| PlainsCapital Bank | TX | $12.7B | 1.05% | 74.52% | 14.49% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oriental Bank (FDIC Cert #31469) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Puerto Rico
All Puerto Rico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Banco Popular de Puerto RicoSan Juan | $59.8B | A | 1.17% |
| FirstBank Puerto RicoSanturce | $19.1B | A | 1.69% |
| Nave BankSan Juan | $427M | C | -2.50% |
| Banco Cooperativo de Puerto RicoSan Juan | - | - |
Frequently asked questions
What is Oriental Bank's health grade?▼
Oriental Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Oriental Bank?▼
Oriental Bank holds $12.4B in total assets and $10.3B in deposits, ranking 141st of 4,313 FDIC-insured banks by asset size. It is headquartered in San Juan, Puerto Rico.
Is my money safe at Oriental Bank?▼
Yes, deposits at Oriental Bank (Certificate #31469) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Oriental Bank's Tier 1 Capital Ratio?▼
Oriental Bank has a Tier 1 Capital Ratio of 13.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Oriental Bank?▼
Oriental Bank has a Texas Ratio of 13.19%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Oriental Bank?▼
Oriental Bank has an Efficiency Ratio of 52.92%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Oriental Bank's profile as a depositor or analyst.
- Oriental Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Oriental Bank against other Puerto Rico banks before moving funds. Puerto Rico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.