Oriental Bank: how it compares with its peers
Against 163 U.S. banks with half to twice its assets, Oriental Bank's strongest measure in Q2 2026 is net interest margin (5.46% vs. a 3.62% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $10.2M).
| Measure | Oriental Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.29% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.46% | 3.62% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.71% | 55.19% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $10.2M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.23% | 86.81% | Context |
What it means for lending operations
Its efficiency ratio of 51.71% is better than the 55.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Columbia Bank Fair Lawn, NJ · $12.17B
- First Commonwealth Bank Indiana, PA · $12.18B
- Farmers and Merchants Bank of Long Beach Long Beach, CA · $11.77B
- Happen Bank, National Association Lehi, UT · $12.48B
- NBH Bank Greenwood Village, CO · $12.54B
- The Park National Bank Newark, OH · $12.61B
Questions about Oriental Bank
How big is Oriental Bank?
Oriental Bank, established in 1965, is headquartered in San Juan, PR. It reported $12.04B in total assets in its Q2 2026 FDIC call report and operates 45 offices.
What is Oriental Bank's return on assets?
1.80% annualized in Q2 2026, against a 1.29% median for 163 U.S. banks with half to twice its assets, ahead of 83% of them.
What is Oriental Bank's efficiency ratio?
51.71% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 55.19%, and lower is better.
Is Oriental Bank growing its loans?
Net loans grew 1.3% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank.