LOANS (Tables)

12 Months Ended

Dec. 31, 2025

The composition of the amortized cost basis of OFG’s loan portfolio at December 31, 2025 and 2024, segregated between non-PCD and PCD loans, was as follows:


	December 31,
	2025						2024
	Non-PCD		PCD		Total		Non-PCD		PCD		Total
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	1,241,646	$	64,654	$	1,306,300	$	1,222,395	$	77,196	$	1,299,591
Other commercial and industrial	1,344,659		9,235		1,353,894		1,087,886		11,533		1,099,419
	2,586,305		73,889		2,660,194		2,310,281		88,729		2,399,010
Commercial US	829,975		—		829,975		704,081		—		704,081
Total commercial loans	3,416,280		73,889		3,490,169		3,014,362		88,729		3,103,091
Mortgage loans	639,055		751,291		1,390,346		628,853		841,964		1,470,817
Consumer loans:
Personal loans	638,985		—		638,985		620,430		245		620,675
Credit lines	9,327		302		9,629		10,126		353		10,479
Credit cards	34,300		—		34,300		36,956		—		36,956
Overdraft	634		—		634		451		—		451
	683,246		302		683,548		667,963		598		668,561
Auto loans	2,636,890		89		2,636,979		2,549,033		460		2,549,493
	7,375,471		825,571		8,201,042		6,860,211		931,751		7,791,962
Allowance for credit losses	(198,239)		(4,102)		(202,341)		(170,709)		(5,154)		(175,863)
Total loans-held-for investment, net	7,177,232		821,469		7,998,701		6,689,502		926,597		7,616,099
Mortgage loans held-for-sale	12,483		—		12,483		13,286		—		13,286
Other loans held-for-sale	3,062		—		3,062		4,446		—		4,446
Total loans held-for-sale	15,545		—		15,545		17,732		—		17,732
Total loans, net	$	7,192,777	$	821,469	$	8,014,246	$	6,707,234	$	926,597	$	7,633,831

Schedule of Aging of Recorded Investment in Gross Loans

The tables below present the aging of the amortized cost of loans held-for-investment at December 31, 2025 and 2024, by class of loans. Mortgage loans past due include $56.5 million and $48.6 million of delinquent loans in the GNMA buy-back option program at December 31, 2025 and 2024, respectively. Servicers of loans underlying GNMA mortgage-backed securities must report as their own assets the defaulted loans that they have the option (but not the obligation) to repurchase, even when they elect not to exercise that option.


	December 31, 2025
	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		Loans 90+ Days Past Due and Still Accruing
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	486	$	53	$	2,780	$	3,319	$	1,238,327	$	1,241,646	$	—
Other commercial and industrial	1,203		262		941		2,406		1,342,253		1,344,659		—
	1,689		315		3,721		5,725		2,580,580		2,586,305		—
Commercial US	—		—		5,809		5,809		824,166		829,975		—
Total commercial loans	1,689		315		9,530		11,534		3,404,746		3,416,280		—
Mortgage loans	4,885		5,824		68,029		78,738		560,317		639,055		3,187
Consumer loans:
Personal loans	8,415		5,371		3,402		17,188		621,797		638,985		—
Credit lines	122		296		80		498		8,829		9,327		—
Credit cards	650		345		696		1,691		32,609		34,300		—
Overdraft	142		—		—		142		492		634		—
	9,329		6,012		4,178		19,519		663,727		683,246		—
Auto loans	128,451		49,649		20,679		198,779		2,438,111		2,636,890		—
Total loans	$	144,354	$	61,800	$	102,416	$	308,570	$	7,066,901	$	7,375,471	$	3,187


	December 31, 2024
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total Loans		Loans 90+ Days Past Due and Still Accruing
	(In thousands)
Commercial PR:
Commercial secured by real estate	$	879	$	215	$	9,780	$	10,874	$	1,211,521	$	1,222,395	$	—
Other commercial and industrial	597		629		3,588		4,814		1,083,072		1,087,886		—
	1,476		844		13,368		15,688		2,294,593		2,310,281		—
Commercial US	—		4,505		—		4,505		699,576		704,081		—
Total commercial loans	1,476		5,349		13,368		20,193		2,994,169		3,014,362		—
Mortgage loans	5,362		6,069		59,995		71,426		557,427		628,853		2,047
Consumer loans:
Personal loans	8,522		4,655		3,494		16,671		603,759		620,430		—
Credit lines	53		38		125		216		9,910		10,126		—
Credit cards	670		255		571		1,496		35,460		36,956		—
Overdraft	88		—		—		88		363		451		—
	9,333		4,948		4,190		18,471		649,492		667,963		—
Auto loans	119,805		50,208		20,055		190,068		2,358,965		2,549,033		—
Total loans	$	135,976	$	66,574	$	97,608	$	300,158	$	6,560,053	$	6,860,211	$	2,047

As of December 31, 2025, total past due loans exclude $563 thousand of past due commercial loans held-for-sale. There were no past due commercial loans held-for-sale as of December 31, 2024.

Upon adoption of the current expected credit losses (“CECL”) methodology, OFG elected to maintain pools of loans that were previously accounted for under ASC 310-30 and will continue to account for these pools as a unit of account. As such, PCD loans are not included in the preceding two tables.

Schedule of Investment in Loans on Non-Accrual Status

The following table presents the amortized cost basis of loans held-for-investment on non-accrual status as of December 31, 2025 and 2024:


	December 31, 2025						December 31, 2024
	Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total		Non-accrual with Allowance for Credit Loss		Non-accrual with no Allowance for Credit Loss		Total
	(In thousands)
Non-PCD:
Commercial PR:
Commercial secured by real estate	$	2,724	$	294	$	3,018	$	4,610	$	6,248	$	10,858
Other commercial and industrial	46,503		148		46,651		1,855		1,996		3,851
	49,227		442		49,669		6,465		8,244		14,709
Commercial US	37,584		—		37,584		21,317		2,887		24,204
Total commercial loans	86,811		442		87,253		27,782		11,131		38,913
Mortgage loans	10,024		1,895		11,919		8,770		3,153		11,923
Consumer loans:
Personal loans	3,600		—		3,600		3,468		44		3,512
Credit lines	80		—		80		125		—		125
Credit cards	698		—		698		570		—		570
	4,378		—		4,378		4,163		44		4,207
Auto loans	20,749		1		20,750		20,049		6		20,055
Total	$	121,962	$	2,338	$	124,300	$	60,764	$	14,334	$	75,098

PCD:
Commercial PR:
Commercial secured by real estate	$	55	$	—	$	55	$	—	$	1,946	$	1,946
Other commercial and industrial	—		—		—		695		—		695
Total commercial loans	55		—		55		695		1,946		2,641
Mortgage loans	227		—		227		239		—		239



Total	$	282	$	—	$	282	$	934	$	1,946	$	2,880
Total non-accrual loans	$	122,244	$	2,338	$	124,582	$	61,698	$	16,280	$	77,978

Schedule of Troubled Debt Restructurings

The following tables present the amortized cost basis as of December 31, 2025, 2024 and 2023, of loans held-for-investment that were modified during 2025, 2024 and 2023, disaggregated by class of financing receivable and type of concession granted.


			Interest Rate Reduction
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)
Commercial PR:
Commercial secured by real estate			$	183	0.01	%	$	—	—	%	$	—	—	%
Other commercial and industrial			76		0.01	%	—		—	%	—		—	%
			259		0.01	%	—		—	%	—		—	%
Commercial US			—		—	%	9,257		1.31	%	6,649		0.88	%
Total commercial loans			259		0.01	%	9,257		1.31	%	6,649		0.88	%

Consumer:
Personal loans			—		—	%	26		—	%	37		0.01	%




Auto loans			—		—	%	162		0.01	%	48		—	%
Total			$	259			$	9,445			$	6,734

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Term Extension
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)
Commercial PR:
Commercial secured by real estate			$	—	—	%	$	—	—	%	$	6,332	0.52	%
Other commercial and industrial			683		0.05	%	$	—	—	%	689		0.05	%


Total commercial loans			683		0.02	%	—		—	%	7,021		0.23	%
Mortgage loans			2,221		0.16	%	1,682		0.11	%	5,777		0.37	%
Consumer:
Personal loans			—		—	%	6		—	%	—		—	%




Auto loans			145		0.01	%	—		—	%	13		—	%
Total			$	3,049			$	1,688			$	12,811

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Principal Forbearance/Forgiveness
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)




Commercial US			$	9,620	1.16	%	$	6,286	0.89	%	$	—	—	%

Mortgage loans			—		—	%	—		—	%	97		0.01	%







Total			$	9,620			$	6,286			$	97

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Combination of Term Extension and Interest Rate Reduction
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)
Commercial PR:

Other commercial and industrial			$	970	0.07	%	$	—	—	%	$	—	—	%



Mortgage loans			201		0.01	%	88		0.01	%	710		0.05	%
Consumer:
Personal loans			147		0.02	%	—		—	%	80		0.01	%




Auto loans			310		0.01	%	—		—	%	53		—	%
Total			$	1,628			$	88			$	843

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Combination of Term Extension and Principal Forgiveness/Forbearance
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)




Commercial US			$	3,207	0.39	%	$	—	—	%	$	4,183	0.55	%

Mortgage loans			98		—	%	105		0.01	%	440		0.03	%







Total			$	3,305			$	105			$	4,623

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Combination of Interest Rate Reduction and Principal Forgiveness/Forbearance
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)






Mortgage loans			$	94	0.01	%	$	—	—	%	$	—	—	%









1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.


			Combination of Interest Rate Reduction, Term Extension and Principal Forgiveness/Forbearance
	Year Ended December 31,
		2025			2024				2023
			$1		%2		$1		%2		$1		%2
			(Dollars in thousands)




Commercial US			$	6,952	0.84	%	$	—	—	%	$	—	—	%

Mortgage loans			137		0.01	%	—		—	%	—		—	%







Total			$	7,089			$	—			$	—

1 -Amortized cost basis.
2 - Percentage of total class of financing receivable.

The following tables present the financial effect of the modifications granted to borrowers experiencing financial difficulty during 2025, 2024 and 2023. The financial effect of the combined modifications is presented separately by type of modification.


	Year Ended December 31, 2025
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR:
Commercial loans secured by real estate	2.99	%	24	$	—
Other commercial and industrial	2.19	%	32	$	—

Commercial US	2.15	%	16	$	5,309

Mortgage loans	1.32	%	141	$	33
Consumer loans:
Personal loans	4.00	%	36	$	—



Auto loans	1.96	%	36	$	—


	Year Ended December 31, 2024
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)




Commercial US	0.73	%	0	$	623

Mortgage loans	0.38	%	149	$	11
Consumer loans:
Personal loans	5.00	%	18	—



Auto loans	2.82	%	0	—


	Year Ended December 31, 2023
	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension (In months)	Weighted-Average Forgiveness/Forbearance of Principal Amount (In thousands)
Commercial PR:
Commercial loans secured by real estate	—	%	23	$	—


Commercial US	1.95	%	31	$	2,973

Mortgage loans	1.94	%	213	$	24
Consumer loans:
Personal loans	2.98	%	81	—



Auto loans	3.00	%	0	—

Schedule of Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted

The following tables present the amortized cost basis as of December 31, 2025, 2024 and 2023, of loans held for investment that had a payment default subsequent to being granted a modification to borrowers experiencing financial difficulty in the prior twelve months.


	Twelve-Month Period Ended
	Amortized Cost Basis of Modified Financing Receivables that Subsequently Defaulted
		Term Extension		Combination - Term Extension and Interest Rate Reduction		Total
	(In thousands)
December 31, 2025






Mortgage loans		$	550	$	43	$	593





December 31, 2024






Mortgage loans	$	149	$	—	$	149





December 31, 2023






Mortgage loans	$	704	$	—	$	704

Schedule of Financing Receivable, Modified, Past Due

The following table presents the payment status of loans that have been modified during 2025, 2024 and 2023 that were granted to borrowers experiencing financial difficulty.


	December 31, 2025
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total
	(In thousands)
Commercial PR:
Commercial loans secured by real estate	$	—	$	—	$	—	$	—	$	183	$	183
Other commercial and industrial	—		—		—		—		1,729		1,729
	—		—		—		—		1,912		1,912
Commercial US	—		—		—		—		19,779		19,779
Total commercial loans	—		—		—		—		21,691		21,691
Mortgage loans	249		344		593		1,186		1,565		2,751
Consumer loans:
Personal loans	—		—		—		—		147		147




Auto loans	15		—		—		15		440		455
Total	$	264	$	344	$	593	$	1,201	$	23,843	$	25,044


	December 31, 2024
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total
	(In thousands)




Commercial US	$	—	$	—	$	—	$	—	$	15,543	$	15,543

Mortgage loans	118		37		149		304		1,571		1,875
Consumer loans:
Personal loans	—		—		—		—		32		32




Auto loans	—		—		—		—		162		162
Total	$	118	$	37	$	149	$	304	$	17,308	$	17,612


	December 31, 2023
	30-59 Day Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current		Total
	(In thousands)
Commercial PR:
Commercial loans secured by real estate	$	—	$	—	$	—	$	—	$	6,332	$	6,332
Other commercial and industrial	—		—		—		—		689		689
	—		—		—		—		7,021		7,021
Commercial US	—		—		—		—		10,832		10,832
Total commercial loans	—		—		—		—		17,853		17,853
Mortgage loans	471		297		583		1,351		5,673		7,024
Consumer loans:
Personal loans	—		—		—		—		117		117




Auto loans	30		—		—		30		84		114
Total	$	501	$	297	$	583	$	1,381	$	23,727	$	25,108

Schedule of the Amortized Cost of Collateral-Dependent Loans Held for Investment

The table below presents the amortized cost of commercial collateral-dependent loans held-for-investment at December 31, 2025 and 2024, by class of loans.



	December 31,
	2025		2024
	(In thousands)
Commercial PR:
Commercial loans secured by real estate	$	3,065	$	6,877

Schedule of Credit Quality Indicators of Loans

As of December 31, 2025, and based on the most recent analysis performed, the risk category of loans held-for-investment subject to risk rating by class of loans, and current year gross charge-offs by year of origination are as follows:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
Commercial PR:
Commercial secured by real estate:
Loan grade:
Pass	$	305,802	$	150,531	$	175,834	$	163,812	$	151,931	$	189,743	$	46,539	$	1,184,192
Special Mention	3,662		4,409		13,388		3,604		20,966		2,105		—		48,134
Substandard	—		—		335		1,147		1,324		4,389		2,125		9,320
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total commercial secured by real estate	309,464		154,940		189,557		168,563		174,221		196,237		48,664		1,241,646
Commercial secured by real estate:
YTD gross charge-offs	—		—		13		—		184		1,799		—		1,996
Other commercial and industrial:
Loan grade:
Pass	185,535		124,680		194,517		30,738		17,356		22,222		672,040		1,247,088
Special Mention	—		5,959		700		14,306		14,001		165		11,872		47,003
Substandard	716		36		1,844		938		45,836		269		929		50,568
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total other commercial and industrial:	186,251		130,675		197,061		45,982		77,193		22,656		684,841		1,344,659
Other commercial and industrial:
YTD gross charge-offs	19		43		2,127		1,091		60		2,508		—		5,848
Commercial US:
Loan grade:
Pass	208,442		46,657		85,994		12,989		29,381		25,889		292,541		701,893
Special Mention	—		2,473		—		—		—		—		53,886		56,359
Substandard	6,419		8,447		25,069		15,429		—		—		14,871		70,235
Doubtful	—		1,488		—		—		—		—		—		1,488
Loss	—		—		—		—		—		—		—		—
Total Commercial US:	214,861		59,065		111,063		28,418		29,381		25,889		361,298		829,975
Commercial US:
YTD gross charge-offs	—		—		9		2,963		3,647		—		—		6,619
Total commercial loans	$	710,576	$	344,680	$	497,681	$	242,963	$	280,795	$	244,782	$	1,094,803	$	3,416,280
Total YTD gross charge-offs	$	19	$	43	$	2,149	$	4,054	$	3,891	$	4,307	$	—	$	14,463

As of December 31, 2024, and based on the most recent analysis performed, the risk category of loans held-for-investment subject to risk rating by class of loans is as follows:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Commercial PR:
Commercial secured by real estate:
Loan grade:
Pass	$	219,185	$	204,144	$	229,955	$	190,891	$	106,562	$	180,600	$	46,448	$	1,177,785
Special Mention	—		13,702		7,205		6,192		909		3,721		73		31,802
Substandard	—		—		554		1,479		1,198		8,572		1,005		12,808
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total commercial secured by real estate	219,185		217,846		237,714		198,562		108,669		192,893		47,526		1,222,395
Commercial secured by real estate:
YTD gross charge-offs	—		184		—		—		—		26		—		210
Other commercial and industrial:
Loan grade:
Pass	146,372		269,680		48,516		49,751		23,858		13,508		477,838		1,029,523
Special Mention	—		373		3,281		45,012		—		136		4,920		53,722
Substandard	21		15		317		640		111		825		2,712		4,641
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total other commercial and industrial:	146,393		270,068		52,114		95,403		23,969		14,469		485,470		1,087,886
Other commercial and industrial:
YTD gross charge-offs	117		143		298		3,573		—		238		—		4,369
Commercial US:
Loan grade:
Pass	56,534		120,064		21,648		57,736		20,138		21,884		273,971		571,975
Special Mention	—		—		—		—		—		—		39,896		39,896
Substandard	16,094		16,422		26,536		4,689		—		5,647		21,204		90,592
Doubtful	1,618		—		—		—		—		—		—		1,618
Loss	—		—		—		—		—		—		—		—
Total Commercial US:	74,246		136,486		48,184		62,425		20,138		27,531		335,071		704,081
Commercial US:
YTD gross charge-offs	—		—		392		1,749		—		1,497		—		3,638
Total commercial loans	$	439,824	$	624,400	$	338,012	$	356,390	$	152,776	$	234,893	$	868,067	$	3,014,362
Total YTD gross charge-offs	$	117	$	327	$	690	$	5,322	$	—	$	1,761	$	—	$	8,217

The following table presents the amortized cost in mortgage and consumer loans held-for-investment based on payment performance as of December 31, 2025:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
Mortgage loans:

Performing	$	62,161	$	38,139	$	17,443	$	22,041	$	28,000	$	453,871	$	—	$	621,655
Nonperforming	—		1,001		1,032		323		471		14,573		—		17,400
Total mortgage loans:	62,161		39,140		18,475		22,364		28,471		468,444		—		639,055
Mortgage loans:
YTD gross charge-offs	—		—		23		—		—		11		—		34
Consumer loans:
Personal loans:

Performing	250,051		169,085		111,204		69,607		24,860		10,578		—		635,385
Nonperforming	375		981		968		836		358		82		—		3,600
Total personal loans	250,426		170,066		112,172		70,443		25,218		10,660		—		638,985
Personal loans:
YTD gross charge-offs	805		9,316		9,463		6,809		1,586		618		—		28,597
Credit lines:

Performing	—		—		—		—		—		—		9,247		9,247
Nonperforming	—		—		—		—		—		—		80		80
Total credit lines	—		—		—		—		—		—		9,327		9,327
Credit lines:
YTD gross charge-offs	—		—		—		—		—		—		215		215
Credit cards:

Performing	—		—		—		—		—		—		33,602		33,602
Nonperforming	—		—		—		—		—		—		698		698
Total credit cards	—		—		—		—		—		—		34,300		34,300
Credit cards:
YTD gross charge-offs	—		—		—		—		—		—		2,394		2,394
Overdrafts:

Performing	—		—		—		—		—		—		634		634
Nonperforming	—		—		—		—		—		—		—		—
Total overdrafts	—		—		—		—		—		—		634		634
Overdrafts:
YTD gross charge-offs	—		—		—		—		—		—		743		743
Total consumer loans	250,426		170,066		112,172		70,443		25,218		10,660		44,261		683,246
Total consumer loans YTD gross charge-offs	805		9,316		9,463		6,809		1,586		618		3,352		31,949
Total mortgage and consumer loans	$	312,587	$	209,206	$	130,647	$	92,807	$	53,689	$	479,104	$	44,261	$	1,322,301
Total mortgage and consumer loans YTD gross charge-offs	$	805	$	9,316	$	9,486	$	6,809	$	1,586	$	629	$	3,352	$	31,983

The following table presents the amortized cost in mortgage and consumer loans held-for-investment based on payment performance as of December 31, 2024:


	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Mortgage loans:

Performing	$	41,100	$	18,986	$	23,207	$	28,034	$	20,203	$	480,388	$	—	$	611,918
Nonperforming	148		636		107		466		102		15,476		—		16,935
Total mortgage loans:	41,248		19,622		23,314		28,500		20,305		495,864		—		628,853
Mortgage loans:
YTD gross charge-offs	—		—		—		—		—		126		—		126
Consumer loans:
Personal loans:

Performing	265,955		175,932		114,654		40,794		11,563		8,020		—		616,918
Nonperforming	438		1,292		1,266		353		51		112		—		3,512
Total personal loans	266,393		177,224		115,920		41,147		11,614		8,132		—		620,430
Personal loans:
YTD gross charge-offs	1,425		10,788		11,973		3,443		700		1,088		—		29,417
Credit lines:

Performing	—		—		—		—		—		—		10,001		10,001
Nonperforming	—		—		—		—		—		—		125		125
Total credit lines	—		—		—		—		—		—		10,126		10,126
Credit lines:
YTD gross charge-offs	—		—		—		—		—		—		156		156
Credit cards:

Performing	—		—		—		—		—		—		36,386		36,386
Nonperforming	—		—		—		—		—		—		570		570
Total credit cards	—		—		—		—		—		—		36,956		36,956
Credit cards:
YTD gross charge-offs	—		—		—		—		—		—		2,781		2,781
Overdrafts:

Performing	—		—		—		—		—		—		451		451
Nonperforming	—		—		—		—		—		—		—		—
Total overdrafts	—		—		—		—		—		—		451		451
Overdrafts:
YTD gross charge-offs	—		—		—		—		—		—		912		912
Total consumer loans	266,393		177,224		115,920		41,147		11,614		8,132		47,533		667,963
Total consumer loans YTD gross charge-offs	1,425		10,788		11,973		3,443		700		1,088		3,849		33,266
Total mortgage and consumer loans	$	307,641	$	196,846	$	139,234	$	69,647	$	31,919	$	503,996	$	47,533	$	1,296,816
Total mortgage and consumer loans YTD gross charge-offs	$	1,425	$	10,788	$	11,973	$	3,443	$	700	$	1,214	$	3,849	$	33,392

The following table presents the amortized cost in auto loans held-for-investment based on their most recent FICO score as of December 31, 2025:


	Term Loans Amortized Cost Basis by Origination Year												Total
	2025		2024		2023		2022		2021		Prior
	(In thousands)
Auto loans:
FICO score:
1-660	$	136,367	$	194,255	$	172,718	$	133,219	$	67,654	$	37,008	$	741,221
661-699	142,244		105,568		71,691		44,588		21,474		10,979		396,544
700+	459,063		428,538		291,963		166,563		83,376		43,203		1,472,706
No FICO	6,198		8,017		5,152		4,038		2,103		911		26,419
Total auto loans	$	743,872	$	736,378	$	541,524	$	348,408	$	174,607	$	92,101	$	2,636,890
Auto loans:
YTD gross charge-offs	$	3,565	$	18,326	$	21,419	$	14,164	$	6,275	$	5,058	$	68,807

The following table presents the amortized cost in auto loans held-for-investment based on their most recent FICO score as of December 31, 2024:


	Term Loans Amortized Cost Basis by Origination Year												Total
	2024		2023		2022		2021		2020		Prior
	(In thousands)
Auto loans:
FICO score:
1-660	$	157,865	$	191,510	$	163,990	$	93,675	$	41,016	$	38,369	$	686,425
661-699	172,579		116,145		69,573		36,607		15,583		13,720		424,207
700+	521,507		397,649		243,449		130,613		66,571		54,947		1,414,736
No FICO	5,266		6,630		5,616		3,255		1,265		1,633		23,665
Total auto loans	$	857,217	$	711,934	$	482,628	$	264,150	$	124,435	$	108,669	$	2,549,033
Auto loans:
YTD gross charge-offs	$	4,068	$	21,603	$	18,912	$	8,552	$	3,799	$	4,717	$	61,651

OFG BANCORP 10-K