OFG Bancorp (OFG) Q3 FY26 earnings call

OFG Bancorp delivered a quarter marked by resilient credit performance, particularly in its commercial portfolio, despite seasonal increases in retail delinquencies. The bank's strategic investments in digital customer experience are driving strong retail customer growth and deepening relationships. While net interest margin faced near-term headwinds from funding mix shifts and deposit competition, management expressed confidence in full-year loan growth and a proactive capital management strategy balancing growth with shareholder returns.