Oriental Bank Mortgage Rates, Fees & Info

San Juan,

LEI: 549300ZLPU75MU7O0T38

Tax ID: 66-0259436

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Oriental Bank is a smaller bank specializing in Home Purchase and Refi loans. Oriental Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: San Juan, Aguadilla, Ponce, San GermÁn, and Arecibo among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oriental Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oriental Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.77% 11/21/24
    30 Year Conventional Refi 6.41% 11/21/24
    30 Year Cash-out Refi 6.62% 11/21/24
    30 Year FHA Purchase 6.55% 11/21/24
    30 Year FHA Refi 6.34% 11/21/24
    30 Year VA Purchase 5.71% 11/21/24
    30 Year VA Refi 5.67% 11/21/24
    30 Year USDA Purchase 6.05% 11/21/24
    30 Year USDA Refi 6.05% 11/21/24
    15 Year Conventional Purchase 5.96% 11/21/24
    15 Year Conventional Refi 5.59% 11/21/24
    15 Year Cash-out Refi 5.59% 11/21/24
    15 Year FHA Purchase 6.60% 11/21/24
    15 Year FHA Refi 6.47% 11/21/24
    15 Year VA Purchase 6.19% 11/21/24
    15 Year VA Refi 5.68% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Oriental Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Oriental Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,468

    Origination Dollar Volume (All Markets)

    $228,950,000

    Employee count

    2,272 Show all (14) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 1,152 $190,960,000 $165,764 $5,019 2.88%
    AGUADILLA-ISABELA, PR (FHA|USDA|VA) 88 $11,610,000 $131,932 $4,186 2.87%
    PONCE, PR (FHA|USDA|VA) 54 $7,850,000 $145,370 $4,022 2.83%
    SAN GERMÁN, PR (FHA|USDA|VA) 49 $5,875,000 $119,898 $4,289 2.94%
    Arecibo, PR (FHA|USDA|VA) 41 $4,635,000 $113,049 $4,414 2.70%
    MAYAGÜEZ, PR (FHA|USDA|VA) 27 $2,755,000 $102,037 $3,570 3.07%
    GUAYAMA, PR (FHA|USDA|VA) 18 $1,540,000 $85,556 $2,822 3.01%
    Coamo, PR (FHA|USDA|VA) 18 $1,470,000 $81,667 $3,150 2.77%
    YAUCO, PR (FHA|USDA|VA) 10 $1,070,000 $107,000 $3,619 2.59%
    Santa Isabel, PR (FHA|USDA|VA) 7 $805,000 $115,000 $3,876 2.57%
    Coco, PR (FHA|USDA|VA) 4 $380,000 $95,000 $3,371 3.13%
    Oriental Bank's top markets include San Juan, Aguadilla, Ponce, San GermÁn, and Arecibo among others.

    Their top states include:
  • Puerto Rico (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Oriental Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    COOPERATIVA DE AHORRO Y CREDITO DE AGUADA
    Similarity Rank: 14
    COOPERATIVA DE AHORRO Y CREDITO DE CAMUY
    Similarity Rank: 30
    COOPERATIVA DE AHORRO Y CREDITO DE MANATI INC.
    Similarity Rank: 42
    COOPERATIVA DE CREDITO LA SAGRADA FAMILIA
    Similarity Rank: 52
    Cooperativa De Credito Y Ahorro San Jose
    Similarity Rank: 69
    BANCO SANTANDER PUERTO RICO
    Similarity Rank: 90
    Cooperativa de Ahorro y Credito de Rincon
    Similarity Rank: 96
    CARIBE FEDERAL CREDIT UNION
    Similarity Rank: 96
    The Lending Center Corporation
    Similarity Rank: 132
    LATIN AMERICAN FINANCIAL CORPORATION
    Similarity Rank: 145

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 860 $145,720,000 $169,442 $4,974 2.78%
    FHA 338 $47,100,000 $139,349 $5,102 3.00%
    USDA 192 $22,270,000 $115,990 $3,557 3.02%
    VA 78 $13,860,000 $177,692 $4,471 2.94%

    For 2020, Oriental Bank's most frequently originated type of loan was Conventional, with 860 originations. Their 2nd most popular type was FHA, with 338 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 731 $113,835,000 $155,725 $4,595 3.11%
    Refi 530 $82,260,000 $155,208 $5,051 2.56%
    Cash Out Refi 175 $29,945,000 $171,114 $5,044 2.82%
    Other 32 $2,910,000 $90,938 $3,759 2.89%

    For 2020, Oriental Bank's most frequently cited loan purpose was Home Purchase, with 731 originations. The 2nd most popular reason was Refi, with 530 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 934 $141,410,000 $151,403 $4,785 3.07%
    15 Year 367 $64,585,000 $175,981 $4,864 2.45%
    20 Year 76 $11,000,000 $144,737 $4,922 2.85%
    10 Year 52 $6,410,000 $123,269 $4,323 2.24%
    Other 36 $5,220,000 $145,000 $4,652 2.76%
    30+ year 2 $270,000 $135,000 $0 6.31%
    5 Year 1 $55,000 $55,000 $0 8.75%

    For 2020, Oriental Bank's most frequently cited loan duration was 30 Year, with 934 originations. The 2nd most popular length was 15 Year, with 367 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 846 $127,030,000 $150,154
    $1k-2k 263 $31,505,000 $119,791
    $2k-3k 158 $23,460,000 $148,481
    $3k-4k 83 $15,955,000 $192,229
    $5k+ 57 $19,185,000 $336,579
    $4k-5k 43 $8,665,000 $201,512

    Oriental Bank's average total fees were $4,785, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 846 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 768 $116,560,000 $151,771
    <2.5% 425 $66,995,000 $157,635
    3-4% 221 $30,595,000 $138,439
    4-5% 31 $10,395,000 $335,323
    5-6% 18 $3,960,000 $220,000
    6-7% 4 $390,000 $97,500
    Over 8% 1 $55,000 $55,000

    During 2020, Oriental Bank's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 768 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 685 $94,185,000 $137,496 $4,636 2.92%
    $100,000 or less 504 $38,720,000 $76,825 $3,164 2.85%
    $200k-400k 220 $58,870,000 $267,591 $7,491 2.80%
    $400k-600k 52 $24,790,000 $476,731 $10,201 2.61%
    $1MM+ 4 $9,980,000 $2,495,000 $17,909 4.06%
    $600k-1MM 3 $2,405,000 $801,667 $6,439 5.56%

    2020 saw Oriental Bank place emphasis on $100k-200k loans with 685 originations, totaling $94,185,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 655 $67,435,000 $102,954 $3,800 2.90%
    $50k-75k 315 $41,745,000 $132,524 $4,352 2.84%
    $75k-100k 172 $28,940,000 $168,256 $5,528 2.82%
    $100k-150k 155 $30,865,000 $199,129 $6,135 2.83%
    $150k-250k 105 $27,535,000 $262,238 $6,852 2.76%
    $250k+ 64 $27,870,000 $435,469 $8,044 3.13%

    Oriental Bank lent most frequently to those with incomes in the $50k or less range, with 655 originations. The second most popular income band? $50k-75k, with 315 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 328 $49,840,000 $151,951 $4,527 2.81%
    30-36% 267 $39,755,000 $148,895 $4,713 2.91%
    <20% 169 $33,155,000 $196,183 $4,877 2.77%
    40% 61 $10,285,000 $168,607 $5,282 2.98%
    44% 58 $8,760,000 $151,034 $5,158 2.93%
    39% 52 $7,410,000 $142,500 $4,411 2.89%
    37% 51 $6,445,000 $126,373 $4,145 2.81%
    42% 49 $6,995,000 $142,755 $4,791 3.06%
    36% 49 $7,685,000 $156,837 $5,118 2.95%
    38% 47 $6,355,000 $135,213 $4,589 2.89%
    43% 46 $6,690,000 $145,435 $4,622 2.98%
    41% 45 $6,845,000 $152,111 $4,875 2.83%
    48% 44 $6,280,000 $142,727 $4,675 2.72%
    47% 37 $5,135,000 $138,784 $4,994 2.83%
    45% 37 $6,115,000 $165,270 $5,101 2.99%
    50-60% 37 $5,355,000 $144,730 $5,534 2.97%
    46% 30 $4,740,000 $158,000 $5,471 2.92%
    49% 23 $4,375,000 $190,217 $6,968 2.78%
    >60% 1 $205,000 $205,000 $0 2.75%

    Oriental Bank lent most frequently to those with DTI ratios of 20-30%, with 328 originations. The next most common DTI ratio? 30-36%, with 267 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,395 $214,015,000 $153,416 $4,769 2.86%
    Black 51 $6,205,000 $121,667 $4,602 3.18%
    Not applicable 2 $4,560,000 $2,280,000 $24,049 5.88%
    Not provided 14 $2,470,000 $176,429 $5,612 3.09%
    American Indian 3 $805,000 $268,333 $5,585 3.04%
    Asian 1 $485,000 $485,000 $10,855 2.00%
    Other Pacific Islander 1 $285,000 $285,000 $8,263 3.00%
    Native Hawaiian or Islander 1 $125,000 $125,000 $4,229 2.63%

    Approval Rates

    Total approvals of all applications
    78.47%

    Oriental Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    54.50%

    Oriental Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,468 $228,950,000 $155,960

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,468 $228,950,000 $155,960

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 28 $3,960,000 $141,429 $4,242 2.49%
    40-60% 128 $17,540,000 $137,031 $4,161 2.53%
    60-80% 485 $79,065,000 $163,021 $4,890 2.77%
    80-100% 798 $123,020,000 $154,160 $4,848 2.97%
    Over 100% 13 $2,225,000 $171,154 $6,111 2.98%
    Under 20% 2 $180,000 $90,000 $2,170 2.44%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Oriental Bank #1 Road, Plaza Del Caribe Mall Ponce, PR 731 Full Service B&M $96,234
    Oriental Bank #2 Road Ponce, PR 731 Full Service B&M $139,756
    Oriental Bank #2 Road, Plaza Del Norte Hatillo, PR 659 Full Service B&M $136,998
    Oriental Bank #3 Progreso Street Catano, PR 963 Full Service B&M $42,898
    Oriental Bank #50, Jose Quinton Street Coamo, PR 769 Full Service B&M $46,395
    Oriental Bank #55 Eugenio Sanchez Lopez Street San Lorenzo, PR 754 Full Service B&M $49,877
    Oriental Bank #601 Dr. Loyola Street Penuelas, PR 624 Full Service B&M $39,596
    Oriental Bank 1408 Magdalena Avenue Condado, PR 907 Full Service B&M $164,596
    Oriental Bank 1605 Ponce De Leon Ave. Santurce, PR 909 Full Service B&M $51,229
    Oriental Bank 214c Altona And Welgunst Charlotte Amalie, VI 802 Full Service B&M $238,444
    Oriental Bank 254 East, San Jose Ave. Aibonito, PR 705 Full Service B&M $50,083
    Oriental Bank 254 Munoz Rivera San Juan, PR 918 Full Service B&M $228,204
    Oriental Bank 254 Munoz Rivera Avenue, Oriental Center San Juan, PR 918 Full Service B&M $1,520,934
    Oriental Bank 290 Jesus T. Pinero Avenue, Scotia Towers San Juan, PR 918 Full Service B&M $659,050
    Oriental Bank 2do Nivel Carolina, PR 983 Full Service B&M $224,034
    Oriental Bank 400 Ave Ponce De Leon San Juan, PR 918 Full Service B&M $78,815
    Oriental Bank 4500 Estate Diamond Christiansted, VI 820 Full Service B&M $180,242
    Oriental Bank 65 De Infanterma Ave. Plaza Escorial Mall Carolina, PR 987 Full Service B&M $123,433
    Oriental Bank 725 Avenue West Main Suite 200 Bayamon, PR 961 Full Service B&M $71,784
    Oriental Bank 727 West Main Ave. Suite Pp3 Bayamon, PR 961 Full Service B&M $129,663
    Oriental Bank Aguadilla Plaza Shopping Center Aguadilla, PR 603 Full Service B&M $68,372
    Oriental Bank Alejandrino Plaza, Road 838 Guaynabo, PR 969 Full Service B&M $559,740
    Oriental Bank Ave. Mendez Vigo 173 West Mayaguez, PR 680 Full Service B&M $68,334
    Oriental Bank Bairoa Shopping Center, Unit 12 A Caguas, PR 725 Full Service B&M $81,702
    Oriental Bank Betances Ave. No 42-43 Bayamon, PR 958 Full Service B&M $125,052
    Oriental Bank Calle Cristobal Colon #21 Yabucoa, PR 767 Full Service B&M $34,747
    Oriental Bank Calle Jesus T. Piqero #46 Las Piedras, PR 771 Full Service B&M $60,407
    Oriental Bank Carr #2 Km 159.9 Bo. Guanajibo Mayaguez, PR 680 Full Service B&M $132,383
    Oriental Bank Carr 167 Km 0.6 Rexville Town Center Bayamon, PR 958 Full Service B&M $73,914
    Oriental Bank Carr 176 Km 1.6 Bo Cupey San Juan, PR 926 Full Service B&M $130,181
    Oriental Bank Carr 181 Trujillo Alto Shopping Center Trujillo Alto, PR 976 Full Service B&M $98,706
    Oriental Bank Carr 20 Km 3.4 Exp Martinez Nadal Guaynabo, PR 966 Full Service B&M $111,833
    Oriental Bank Carr. 1 Km. 33.6 Lote # 2 Bo. Bairoa Caguas, PR 725 Full Service B&M $100,705
    Oriental Bank Gonzalez Giusti Ave. Guaynabo, PR 968 Full Service B&M $238,202
    Oriental Bank Gonzalez Guisti Avenue Guaynabo, PR 968 Full Service B&M $105,464
    Oriental Bank Juana Diaz Shopping Center Juana Diaz, PR 795 Full Service B&M $56,837
    Oriental Bank La Rambla Shopping Mall Ponce, PR 731 Full Service B&M $127,967
    Oriental Bank Las Catalinas Mall Pr52 Int. Pr-156 Caguas, PR 725 Full Service B&M $110,854
    Oriental Bank Las Vistas Shopping Village Rio Piedras, PR 926 Full Service B&M $216,705
    Oriental Bank Los Colobos Shopping Center, Road 3 Carolina, PR 985 Full Service B&M $79,274
    Oriental Bank Manati Plaza Centro, State Road Pr #2 And 149 Manati, PR 674 Full Service B&M $70,021
    Oriental Bank Munoz Marin Ave. Plaza Centro Ii Caguas, PR 726 Full Service B&M $49,732
    Oriental Bank Plaza Fajardo Carr 3 Km. 42 Fajardo, PR 738 Full Service B&M $118,698
    Oriental Bank Plaza Guayama Shopping Mall Guayama, PR 784 Full Service B&M $82,439
    Oriental Bank Plaza Las Americas 1er Nivel Local 478 Hato Rey, PR 919 Full Service B&M $218,806
    Oriental Bank Plaza Las Americas Mall San Juan, PR 918 Full Service B&M $165,231
    Oriental Bank Plaza Mall State Road Pr No. 52, & Pr . No. 3, Km 82.0 Humacao, PR 791 Full Service B&M $119,637
    Oriental Bank Plaza Puerta Del Sol Carr 2 Km 49.7 Manati, PR 674 Full Service B&M $147,994
    Oriental Bank Plz Del Caribe Mall Carr 2 Km 227.9 Ponce, PR 731 Full Service B&M $186,433
    Oriental Bank Road #174 , Km. 1.9 Bayamon, PR 956 Full Service B&M $38,708
    Oriental Bank Road #2 Mayaguez, PR 680 Full Service B&M $139,021
    Oriental Bank Road 1 Km. 56.2, Pirez Hermanos Plaza Cayey, PR 736 Full Service B&M $46,794
    Oriental Bank Road 167, Km 0.3 Bayamon, PR 956 Full Service B&M $71,800
    Oriental Bank State Road #2 K. 129 H.3 Aguadilla, PR 603 Full Service B&M $66,904
    Oriental Bank State Road #3 K20 H3 Rio Grande, PR 745 Full Service B&M $40,924
    Oriental Bank Torre Medica #101 Hosp Auxilio Mutuo Hato Rey, PR 917 Full Service Retail $12,644
    Oriental Bank Urb Cabo Caribe Carr #2 Vega Baja, PR 693 Full Service B&M $74,813
    Oriental Bank Yauco Plaza Shopping Mall Yauco, PR 698 Full Service B&M $53,773

    For 2020, Oriental Bank had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $476,144
    Net interest income $420,825
    Total noninterest income $93,238
    Gross Fiduciary activities income $10,589
    Service charges on deposit accounts $19,438
    Trading account gains and fees $0
    Additional Noninterest Income $63,211
    Pre-tax net operating income $87,527
    Securities gains (or losses, -) $4,728
    Income before extraordinary items $74,899
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $74,899
    Minority interest net income $0
    Net income $74,899
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $71,069

    Oriental Bank's gross interest income from loans was $476,144,000.
    Oriental Bank's net interest income from loans was $420,825,000.
    Oriental Bank's fee based income from loans was $19,438,000.
    Oriental Bank's net income from loans was $74,899,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $55,319
    Provision for credit losses $93,717
    Total noninterest expense $332,819
    Salaries and employee benefits $120,647
    Premises and equipment expense $35,665
    Additional noninterest expense $176,507
    Applicable income taxes $17,356
    Net charge-offs $95,167
    Cash dividends $26,100

    Oriental Bank's interest expense for loans was $55,319,000.
    Oriental Bank's payroll and benefits expense were $120,647,000.
    Oriental Bank's property, plant and equipment expenses $35,665,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 5.0%
    Real Estate loans 8.0%
    Construction & Land Development loans 6.0%
    Nonfarm, nonresidential loans 8.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 9.0%
    HELOC loans 2.0%
    All other family 9.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 2.8%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $8,436,729
    Deposits held in domestic offices $8,436,729
    Deposits by Individuals, partnerships, and corporations $8,155,772
    Deposits by U.S. Government $266
    Deposits by States and political subdivisions in the U.S. $218,914
    Deposits by Commercial banks and other depository institutions in U.S. $60,760
    Deposits by Banks in foreign countries $1,017
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $4,632,530
    Demand deposits $2,278,335
    Nontransaction accounts $3,804,199
    Money market deposit accounts (MMDAs) $24,097
    Other savings deposits (excluding MMDAs) $1,923,702
    Total time deposits $1,856,400
    Total time and savings deposits $6,158,394
    Noninterest-bearing deposits $2,278,335
    Interest-bearing deposits $6,158,394
    Retail deposits $7,759,261
    IRAs and Keogh plan accounts $249,653
    Brokered deposits $49,090
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,776,815
    Cash & Balances due from depository institutions $2,096,042
    Interest-bearing balances $2,032,592
    Total securities $447,487
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,501,259
    Loan and leases loss allowance $204,809
    Trading account assets $0
    Bank premises and fixed assets $102,685
    Other real estate owned $11,596
    Goodwill and other intangibles $177,254
    All other assets $440,492

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,776,815
    Total Liabilities $8,712,144
    Total deposits $8,436,729
    Interest-bearing deposits $6,158,394
    Deposits held in domestic offices $8,436,729
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $154,668
    Subordinated debt $0
    All other liabilities $120,747

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,501,259
    Loan and leases loss allowance $204,809
    Total loans and leases (domestic) $6,706,068
    All real estate loans $3,452,770
    Real estate loans in domestic offices $3,452,770
    Construction and development loans $116,647
    Residential 1-4 family construction $798
    Other construction, all land development and other land $115,849
    Loans secured by nonfarm nonresidential properties $936,289
    Nonfarm nonresidential secured by owner-occupied properties $474,544
    Commercial real estate & other non-farm, non-residential $461,745
    Multifamily residential real estate $28,249
    1-4 family residential loans $2,364,199
    Farmland loans $7,386
    Loans held in foreign offices $0
    Farm loans $11,632
    Commercial and industrial loans $1,156,482
    To non-U.S. addressees $477
    Loans to individuals $1,900,520
    Credit card loans $56,188
    Related Plans $19,782
    Consumer Auto Loans $1,511,680
    Other loans to individuals $312,870
    All other loans & leases $184,663
    Loans to foreign governments and official institutions $0
    Other loans $50,340
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $99,253
    Non 1-4 family restructured loans & leases $24,880
    Total loans and leases (foreign) $0

    Oriental Bank had $6,501,259,000 of loans outstanding in 2020. $3,452,770,000 of loans were in real estate loans. $116,647,000 of loans were in development loans. $28,249,000 of loans were in multifamily mortgage loans. $2,364,199,000 of loans were in 1-4 family mortgage loans. $11,632,000 of loans were in farm loans. $56,188,000 of loans were in credit card loans. $1,511,680,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,511 $236,411 $156,460
    Nonfarm, nonresidential loans - <$100k 318 $13,056 $41,057
    Nonfarm, nonresidential loans - $100-250k 663 $67,433 $101,709
    Nonfarm, nonresidential loans - $250k-1MM 530 $155,922 $294,192
    Commercial & Industrial, US addressed loans - <$1MM 10,598 $399,148 $37,663
    Commercial & Industrial, US addressed loans - <$100k 7,752 $131,511 $16,965
    Commercial & Industrial, US addressed loans - $100-250k 766 $84,083 $109,769
    Commercial & Industrial, US addressed loans - $250k-1MM 2,080 $183,554 $88,247
    Farmland loans - <$1MM 6 $522 $87,000
    Farmland loans - <$100k 1 $16 $16,000
    Farmland loans - $100-250k 4 $287 $71,750
    Farmland loans - $250k-1MM 1 $219 $219,000
    Agriculture operations loans - <$1MM 8 $647 $80,875
    Agriculture operations loans - <$100k 3 $133 $44,333
    Agriculture operations loans - $100-250k 2 $52 $26,000
    Agriculture operations loans - $250k-1MM 3 $462 $154,000