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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 31469 · PR A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #852/4307
  • PHOTO-FINISH Ponce Bank, National… · NY
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 13.2% Texas
  • ROA-STRONG 1.59% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Puerto Rico: Ponce Bank, National Association, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Oriental Bank

Lowest and highest poles plus nearest scored peers outside Puerto Rico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Grand Savings Bank · OK · ne…88/100Lake Shore Bank · NY · near88/100LendingClub Bank, Na… · UT ·…88/100Oriental Bank · PR · this ba…88/100Ponce Bank, National… · NY ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Oriental Bank · July 2026

What Oriental Bank's Call Report plate shows

Oriental Bank (FDIC Cert #31469) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #852 of 4,307. Tier 1 capital prints at 13.44%, clearing the 10% well-capitalized line. The Texas Ratio is 13.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.59%. Balance-sheet scale is $12.4B, 141st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ponce Bank, National Association (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Oriental Bank

4 FAILURE resolutions in Puerto Rico since 2000 (4 since 2008)

Oriental Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Oriental Bank remains an active FDIC-insured reporter.

  • DORAL BANK SAN JUAN, PR 2015 → BANCO POPULAR DE PUERTO RICO
  • EUROBANK SAN JUAN, PR 2010 → ORIENTAL BANK AND TRUST
  • WESTERNBANK PUERTO RICO MAYAGUEZ, PR 2010 → BANCO POPULAR DE PUERTO RICO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Puerto Rico banks.

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.

0/100100/100National avg77/10088/100
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 Assets

$12.4B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.04% 13.44% 14.84%
Basel III capital ratios - Oriental Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Oriental Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Oriental Bank

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

What these ratios mean →

Earnings posture at Oriental Bank

Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
15.23%
Efficiency Ratio
52.92%

What these mean →

Income & expense at Oriental Bank

$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.

FDIC Failed Bank List → View Oriental Bank on FDIC BankFind →

Top banks in Puerto Rico by total assets

Largest banks headquartered in Puerto Rico
  1. 1
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  2. 2
    FirstBank Puerto Rico $19.1B

    Santurce, PR · Grade A

  3. 3
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  4. 4
    Nave Bank $427M

    San Juan, PR · Grade C

  5. 5
    Banco Cooperativo de Puerto Rico -

    San Juan, PR · Grade -

Top 5 banks in Puerto Rico ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Oriental Bank nationally by total assets
  1. 1
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

  2. 2
    Safra National Bank of New York $12.5B

    New York, NY · Grade A

  3. 3
    Dollar Bank, Federal Savings Bank $12.5B

    Pittsburgh, PA · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

  6. 6
    PlainsCapital Bank $12.7B

    University Park, TX · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.4B here), outside Puerto Rico so the neighborhood is not state containment.

First Commonwealth Bank $12.3B · PA Safra National Bank of New York $12.5B · NY Dollar Bank, Federal Savings Bank $12.5B · PA BancFirst $12.1B · OK

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.

Oriental Bank Call Report profile · FDIC Failed Bank List · Puerto Rico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Puerto Rico

All Puerto Rico banks →
BankAssetsGradeROA
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 - -