[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4472 followers Created: 2025-07-20 17:21:17 UTC $OFG OFG Bancorp Earnings Call Key Highlights: 🏦 Record Financial and Operational Performance Q2 2025 EPS increased XXX% YoY to $1.15, supported by core revenue growth of XXX% and strong operating leverage. Total assets reached a record $XXXX billion, up X% YoY; loans held for investment exceeded $XXX billion, growing X% YoY and $XXX million sequentially. ROAA was XXXX% and ROATCE reached 17%; tangible book value per share climbed to $XXXXX. OFG repurchased XXXXXXX shares during the quarter and authorized a new $XXX million share buyback program, underscoring capital strength and shareholder commitment. 📊 Loan Growth Driven by Strategic Commercial Expansion Loan originations totaled $XXX million, up XX% QoQ and XX% YoY, with growth across all lending channels in both Puerto Rico and the U.S. Commercial lending was a key driver, with pipeline momentum supported by infrastructure investments and industry consolidation in Puerto Rico. OFG raised its FY2025 loan growth guidance to 5–6% from 3–4%, citing a resilient Puerto Rican economy and robust customer activity. Mortgage and auto loan volumes also rose, aided by stable housing prices and preemptive demand ahead of potential tariff changes. 💸 Deposit Base Strength and Stability Core deposits averaged $XXX billion, increasing X% sequentially; end-of-period balances rose XXX% to $XXX billion, with YoY growth of 3%. Deposit growth was led by commercial and government balances, while retail deposits declined slightly; time and savings deposits increased, offsetting lower demand deposits. Core deposit cost remained stable at 1.42%, with cost of deposits excluding public funds down to XXX% from X% in Q1. Competitive pressures remained moderate, with some higher-yield CD competition from mainland U.S. institutions and credit unions. 📉 Net Interest Margin (NIM) Dynamics and Liquidity Management NIM contracted to XXXX% from XXXX% due to higher liquidity and a temporary increase in lower-yielding assets. OFG added $XXX million in FHLB advances at a low rate of XXXX% and $XXXX million in brokered deposits, raising total borrowings to $XXX million to support future loan growth. Cash balances rose XX% to $XXX million, positioning the bank for continued origination momentum. Management expects NIM to expand in H2 2025 as loan deployment increases and temporary liquidity balances normalize.  XXX engagements  **Related Topics** [investment](/topic/investment) [eps](/topic/eps) [quarterly earnings](/topic/quarterly-earnings) [$ofg](/topic/$ofg) [Post Link](https://x.com/LongYield/status/1946983765177237664)
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LongYield @LongYield on x 4472 followers
Created: 2025-07-20 17:21:17 UTC
$OFG OFG Bancorp Earnings Call Key Highlights:
🏦 Record Financial and Operational Performance
Q2 2025 EPS increased XXX% YoY to $1.15, supported by core revenue growth of XXX% and strong operating leverage.
Total assets reached a record $XXXX billion, up X% YoY; loans held for investment exceeded $XXX billion, growing X% YoY and $XXX million sequentially.
ROAA was XXXX% and ROATCE reached 17%; tangible book value per share climbed to $XXXXX.
OFG repurchased XXXXXXX shares during the quarter and authorized a new $XXX million share buyback program, underscoring capital strength and shareholder commitment.
📊 Loan Growth Driven by Strategic Commercial Expansion
Loan originations totaled $XXX million, up XX% QoQ and XX% YoY, with growth across all lending channels in both Puerto Rico and the U.S.
Commercial lending was a key driver, with pipeline momentum supported by infrastructure investments and industry consolidation in Puerto Rico.
OFG raised its FY2025 loan growth guidance to 5–6% from 3–4%, citing a resilient Puerto Rican economy and robust customer activity.
Mortgage and auto loan volumes also rose, aided by stable housing prices and preemptive demand ahead of potential tariff changes.
💸 Deposit Base Strength and Stability
Core deposits averaged $XXX billion, increasing X% sequentially; end-of-period balances rose XXX% to $XXX billion, with YoY growth of 3%.
Deposit growth was led by commercial and government balances, while retail deposits declined slightly; time and savings deposits increased, offsetting lower demand deposits.
Core deposit cost remained stable at 1.42%, with cost of deposits excluding public funds down to XXX% from X% in Q1.
Competitive pressures remained moderate, with some higher-yield CD competition from mainland U.S. institutions and credit unions.
📉 Net Interest Margin (NIM) Dynamics and Liquidity Management
NIM contracted to XXXX% from XXXX% due to higher liquidity and a temporary increase in lower-yielding assets.
OFG added $XXX million in FHLB advances at a low rate of XXXX% and $XXXX million in brokered deposits, raising total borrowings to $XXX million to support future loan growth.
Cash balances rose XX% to $XXX million, positioning the bank for continued origination momentum.
Management expects NIM to expand in H2 2025 as loan deployment increases and temporary liquidity balances normalize.
XXX engagements
Related Topics investment eps quarterly earnings $ofg