<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cd32c-b5e6-74ab-a383-fb2bf87929f3,g:51108b2e-8594-42d7-9980-90ca61bed5c8-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://ofgbancorp.com/role/COVER" xlink:type="simple" xlink:href="ofg-20260331.xsd#COVER"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/COVER" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019cd32c-c0d8-774b-9d9d-ec5195c52b98" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentType_019cd32c-c0d8-774b-9d9d-ec5195c52b98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_019cd32c-c0d8-71fd-8b63-d1fdac7b485f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentQuarterlyReport_019cd32c-c0d8-71fd-8b63-d1fdac7b485f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_019dfa66-96c3-798b-a211-470fdbb3d3e0" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentPeriodEndDate_019dfa66-96c3-798b-a211-470fdbb3d3e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_019cd32c-c0d8-74bd-9a20-8bbfc7cbadf9" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentTransitionReport_019cd32c-c0d8-74bd-9a20-8bbfc7cbadf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_019cd32c-c0d8-7438-97f1-00b06340cdca" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityFileNumber_019cd32c-c0d8-7438-97f1-00b06340cdca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019cd32c-c0d8-7927-bca4-a8c8544a179e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityRegistrantName_019cd32c-c0d8-7927-bca4-a8c8544a179e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_019cd32c-c0d8-7c18-9a03-808c1150f53e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityIncorporationStateCountryCode_019cd32c-c0d8-7c18-9a03-808c1150f53e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019cd32c-c0d8-7aab-bfa8-72ccb9e53795" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityTaxIdentificationNumber_019cd32c-c0d8-7aab-bfa8-72ccb9e53795" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_019cd32c-c0d8-7ba4-ab39-55189d73bdac" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityAddressAddressLine1_019cd32c-c0d8-7ba4-ab39-55189d73bdac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_019cd32c-c0d8-7d8f-a461-b6d831ff907e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityAddressCityOrTown_019cd32c-c0d8-7d8f-a461-b6d831ff907e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCountry_019cd32c-c0d8-797d-bd42-c9b83946f55a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCountry"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityAddressCountry_019cd32c-c0d8-797d-bd42-c9b83946f55a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_019cd32c-c0d8-7351-886c-b7bf1cd72e48" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityAddressPostalZipCode_019cd32c-c0d8-7351-886c-b7bf1cd72e48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_019cd32c-c0d8-799e-82f5-cb0b4a433d7a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_CityAreaCode_019cd32c-c0d8-799e-82f5-cb0b4a433d7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_019cd32c-c0d8-76f7-a8a7-dcb4a473ebc2" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_LocalPhoneNumber_019cd32c-c0d8-76f7-a8a7-dcb4a473ebc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_019cd32c-c0d8-724f-b784-e4d8ff544807" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_Security12bTitle_019cd32c-c0d8-724f-b784-e4d8ff544807" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_019cd32c-c0d8-7410-9246-ec640451f24a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_TradingSymbol_019cd32c-c0d8-7410-9246-ec640451f24a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_019cd32c-c0d8-7fcd-bddd-3cb842f4c109" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_SecurityExchangeName_019cd32c-c0d8-7fcd-bddd-3cb842f4c109" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_019cd32c-c0d8-7678-826f-82648806b041" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityCurrentReportingStatus_019cd32c-c0d8-7678-826f-82648806b041" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_019cd32c-c0d8-705c-a431-87fae476fd8e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityInteractiveDataCurrent_019cd32c-c0d8-705c-a431-87fae476fd8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_019cd32c-c0d8-79b3-9fc8-f14c38a48e74" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityFilerCategory_019cd32c-c0d8-79b3-9fc8-f14c38a48e74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_019cd32c-c0d8-7273-9107-16efdb0fabbe" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntitySmallBusiness_019cd32c-c0d8-7273-9107-16efdb0fabbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_019cd32c-c0d8-7cb8-9f57-7a647ecbd63c" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityEmergingGrowthCompany_019cd32c-c0d8-7cb8-9f57-7a647ecbd63c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_019cd32c-c0d8-7e57-bd70-952e37785280" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityShellCompany_019cd32c-c0d8-7e57-bd70-952e37785280" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_019cd32c-c0d8-7449-b792-e96336b8ea7b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_019cd32c-c0d8-7449-b792-e96336b8ea7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019cd32c-c0d8-7408-b4a4-ce5a05b4e2a9" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_AmendmentFlag_019cd32c-c0d8-7408-b4a4-ce5a05b4e2a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_019cd32c-c0d8-713a-b00f-2c9921e8296b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentFiscalYearFocus_019cd32c-c0d8-713a-b00f-2c9921e8296b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_019cd32c-c0d8-78b8-bb04-4a1bf131676f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_DocumentFiscalPeriodFocus_019cd32c-c0d8-78b8-bb04-4a1bf131676f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019cd32c-c0d8-71c5-8106-5ec1e1396406" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_EntityCentralIndexKey_019cd32c-c0d8-71c5-8106-5ec1e1396406" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_019cd32c-c0d8-7a4c-a041-17a929252af5" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019cd32c-c0d8-7ca8-80e7-1add26176bcd" xlink:to="loc_dei_CurrentFiscalYearEndDate_019cd32c-c0d8-7a4c-a041-17a929252af5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-7a17-a82a-ad07e5468c81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-7a17-a82a-ad07e5468c81" xlink:to="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_019cd32c-c0d8-733b-a5be-b98a865daa8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_019cd32c-c0d8-733b-a5be-b98a865daa8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019cd32c-c0d8-7d33-a3ba-8a4ee1b251c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_019cd32c-c0d8-733b-a5be-b98a865daa8e" xlink:to="loc_us-gaap_CashAndDueFromBanks_019cd32c-c0d8-7d33-a3ba-8a4ee1b251c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c0d8-7d21-b1db-c3794cc6b6fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MoneyMarketFundsAtCarryingValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_019cd32c-c0d8-733b-a5be-b98a865daa8e" xlink:to="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c0d8-7d21-b1db-c3794cc6b6fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cd32c-c0d8-786c-b4ce-e50097b90649" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValueAbstract_019cd32c-c0d8-733b-a5be-b98a865daa8e" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cd32c-c0d8-786c-b4ce-e50097b90649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:to="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_019cd32c-c0d8-7218-a262-5d6f756c7599" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:to="loc_us-gaap_TradingSecurities_019cd32c-c0d8-7218-a262-5d6f756c7599" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cd32c-c0d8-7195-8821-dc1991e36271" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cd32c-c0d8-7195-8821-dc1991e36271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c0d8-7c0e-a701-bd8ece4a98e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c0d8-7c0e-a701-bd8ece4a98e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_019cd32c-c0d8-7c68-82b6-be024ad356d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:to="loc_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_019cd32c-c0d8-7c68-82b6-be024ad356d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InvestmentsExcludingDerivativeAndOreo_019cd32c-c0d8-7f6f-bcb2-e64777b7bdcb" xlink:href="ofg-20260331.xsd#ofg_InvestmentsExcludingDerivativeAndOreo"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019cd32c-c0d8-7105-b36e-917b6adf50c3" xlink:to="loc_ofg_InvestmentsExcludingDerivativeAndOreo_019cd32c-c0d8-7f6f-bcb2-e64777b7bdcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_019cd32c-c0d8-734d-a610-e573ec891f75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_019cd32c-c0d8-734d-a610-e573ec891f75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019cd32c-c0d8-71da-926a-e5ad281415e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_019cd32c-c0d8-734d-a610-e573ec891f75" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019cd32c-c0d8-71da-926a-e5ad281415e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c0d8-71e6-845c-3c6216f2b1ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_019cd32c-c0d8-734d-a610-e573ec891f75" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c0d8-71e6-845c-3c6216f2b1ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount_019cd32c-c0d8-7d77-bc9e-a720a3d29bc6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_019cd32c-c0d8-734d-a610-e573ec891f75" xlink:to="loc_us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount_019cd32c-c0d8-7d77-bc9e-a720a3d29bc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:to="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019cd32c-c0d8-7aef-add1-5d6692305e37" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019cd32c-c0d8-7aef-add1-5d6692305e37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019cd32c-c0d8-7155-b745-338b1b887e44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_InterestReceivable_019cd32c-c0d8-7155-b745-338b1b887e44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019cd32c-c0d8-760f-83f3-150190ea5a10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019cd32c-c0d8-760f-83f3-150190ea5a10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019cd32c-c0d8-745f-b1a6-ad38458dfcf2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019cd32c-c0d8-745f-b1a6-ad38458dfcf2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomersLiabilityForAcceptancesNet_019cd32c-c0d8-7deb-a1b5-1ec2c2ae70dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomersLiabilityForAcceptancesNet"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_CustomersLiabilityForAcceptancesNet_019cd32c-c0d8-7deb-a1b5-1ec2c2ae70dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c0d8-7db4-a131-4841a5dba555" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c0d8-7db4-a131-4841a5dba555" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019cd32c-c0d8-75a0-8ad7-77203015827c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_Goodwill_019cd32c-c0d8-75a0-8ad7-77203015827c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cd32c-c0d8-70e3-b5cf-640838f00109" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cd32c-c0d8-70e3-b5cf-640838f00109" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019cd32c-c0d8-73a8-a8ef-554535672980" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019cd32c-c0d8-73a8-a8ef-554535672980" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cd32c-c0d8-7a0a-b4ec-bf2b62050594" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherAssetsAbstract_019cd32c-c0d8-7753-baee-cf935051aa3a" xlink:to="loc_us-gaap_OtherAssets_019cd32c-c0d8-7a0a-b4ec-bf2b62050594" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cd32c-c0d8-711f-98f0-fdff6cd5b0ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019cd32c-c0d8-7e98-a4ea-b74b82dd6e2e" xlink:to="loc_us-gaap_Assets_019cd32c-c0d8-711f-98f0-fdff6cd5b0ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-7a17-a82a-ad07e5468c81" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DemandDepositAccounts_019cd32c-c0d8-70d4-aa3d-ba7e4087e262" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DemandDepositAccounts"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:to="loc_us-gaap_DemandDepositAccounts_019cd32c-c0d8-70d4-aa3d-ba7e4087e262" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_019cd32c-c0d8-703e-bb4f-a94f79f32c64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:to="loc_us-gaap_DepositsSavingsDeposits_019cd32c-c0d8-703e-bb4f-a94f79f32c64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_019cd32c-c0d8-7d47-a11a-0b808356b632" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:to="loc_us-gaap_TimeDeposits_019cd32c-c0d8-7d47-a11a-0b808356b632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019cd32c-c0d8-7ff0-8467-ac87545a1958" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_019cd32c-c0d8-7095-8123-b68bf5e4f80c" xlink:to="loc_us-gaap_Deposits_019cd32c-c0d8-7ff0-8467-ac87545a1958" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtAndCapitalLeaseObligationsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c0d8-772c-94cb-b91e82d773d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c0d8-772c-94cb-b91e82d773d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cd32c-c0d8-7be5-aadc-86482bcb5d0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cd32c-c0d8-7be5-aadc-86482bcb5d0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_019cd32c-c0d8-753b-81d4-3514f3e7697c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherBorrowings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:to="loc_us-gaap_OtherBorrowings_019cd32c-c0d8-753b-81d4-3514f3e7697c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtAndCapitalLeaseObligations1_019cd32c-c0d8-75fe-8ec4-7b7766939540" xlink:href="ofg-20260331.xsd#ofg_DebtAndCapitalLeaseObligations1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtAndCapitalLeaseObligationsAbstract_019cd32c-c0d8-727e-a534-4bad66d808b1" xlink:to="loc_ofg_DebtAndCapitalLeaseObligations1_019cd32c-c0d8-75fe-8ec4-7b7766939540" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankAcceptancesExecutedAndOutstanding_019cd32c-c0d8-7618-8bee-6501475eeff4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankAcceptancesExecutedAndOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:to="loc_us-gaap_BankAcceptancesExecutedAndOutstanding_019cd32c-c0d8-7618-8bee-6501475eeff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019cd32c-c0d8-7a24-9c59-644c7fef3985" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:to="loc_us-gaap_OperatingLeaseLiability_019cd32c-c0d8-7a24-9c59-644c7fef3985" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019cd32c-c0d8-7736-8b17-12f347a47c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019cd32c-c0d8-7736-8b17-12f347a47c6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019cd32c-c0d8-79a7-a029-12033a948ff2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherLiabilitiesAbstract_019cd32c-c0d8-7bc3-930c-f5f29d6712e1" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019cd32c-c0d8-79a7-a029-12033a948ff2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cd32c-c0d8-79aa-a589-9541a5e7a822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_Liabilities_019cd32c-c0d8-79aa-a589-9541a5e7a822" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019cd32c-c0d8-74fa-a4ca-4ad1d2b7cd33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019cd32c-c0d8-74fa-a4ca-4ad1d2b7cd33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cd32c-c0d8-7026-ad42-b3447b4305a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_CommonStockValue_019cd32c-c0d8-7026-ad42-b3447b4305a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019cd32c-c0d8-7807-ac6c-9d7211233847" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019cd32c-c0d8-7807-ac6c-9d7211233847" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_019cd32c-c0d8-7a47-9189-a34a47fba4d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_019cd32c-c0d8-7a47-9189-a34a47fba4d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cd32c-c0d8-7949-8a33-01a1ff0adb28" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cd32c-c0d8-7949-8a33-01a1ff0adb28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_019cd32c-c0d8-7bec-baa5-dfd8fdc32c86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_TreasuryStockCommonValue_019cd32c-c0d8-7bec-baa5-dfd8fdc32c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-796f-808d-f5172fb2099e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-796f-808d-f5172fb2099e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-78d8-96c5-ff968201eba6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cd32c-c0d8-7d60-9199-aa7a27c6d58d" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-78d8-96c5-ff968201eba6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cd32c-c0d8-729c-8355-b974936ffb73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cd32c-c0d8-7fdb-a5fd-7493a52b78b7" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cd32c-c0d8-729c-8355-b974936ffb73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebtAmortizedCost_019cd32c-c0d8-7681-83f3-463ae10775f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebtAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_TradingSecuritiesDebtAmortizedCost_019cd32c-c0d8-7681-83f3-463ae10775f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c0d8-73f5-b1c9-e1144e6759de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c0d8-73f5-b1c9-e1144e6759de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-7e53-9b56-34d4a8c4e091" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-7e53-9b56-34d4a8c4e091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c0d8-7cf2-8e3e-d1a34e0a4705" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c0d8-7cf2-8e3e-d1a34e0a4705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-782d-a578-f028c37f1c7e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-782d-a578-f028c37f1c7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-7842-84dd-a7681ffde2e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c0d8-7842-84dd-a7681ffde2e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019cd32c-c0d8-7a95-861d-a40240ac17c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019cd32c-c0d8-7a95-861d-a40240ac17c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_019cd32c-c0d8-7f19-addc-dbb02f42debc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_019cd32c-c0d8-7f19-addc-dbb02f42debc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_019cd32c-c0d8-75a8-9e92-b0072b8e3fbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_CommonStockSharesIssued_019cd32c-c0d8-75a8-9e92-b0072b8e3fbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019cd32c-c0d8-72f8-ab53-a3b494085fb1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019cd32c-c0d8-72f8-ab53-a3b494085fb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c0d8-759b-8c76-c435e6505bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c0d8-759b-8c76-c435e6505bfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_019cd32c-c0d8-711d-b52f-4c7816fdc1a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019cd32c-c0d8-713b-b0a0-bbee8262a5f5" xlink:to="loc_us-gaap_AociTaxAttributableToParent_019cd32c-c0d8-711d-b52f-4c7816fdc1a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019cd32c-c0d8-7420-ac1c-f8a2c35c4648" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019cd32c-c0d8-7420-ac1c-f8a2c35c4648" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_019cd32c-c0d8-7f67-9d78-96ea95bc3ce3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:to="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_019cd32c-c0d8-7f67-9d78-96ea95bc3ce3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities_019cd32c-c0d8-7a2d-b7ab-231a5545fc40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecurities_019cd32c-c0d8-7a2d-b7ab-231a5545fc40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019cd32c-c0d8-7a0e-8c3e-075c22ac47d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019cd32c-c0d8-791d-8c36-c52a563da13b" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019cd32c-c0d8-7a0e-8c3e-075c22ac47d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019cd32c-c0d8-7586-be72-e664127bcbc3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:to="loc_us-gaap_InterestExpenseDeposits_019cd32c-c0d8-7586-be72-e664127bcbc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c0d8-7c0d-b228-dd478305768f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:to="loc_us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c0d8-7c0d-b228-dd478305768f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTermAndLongTerm_019cd32c-c0d8-7a4a-bf32-0288a79218f6" xlink:href="ofg-20260331.xsd#ofg_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTermAndLongTerm"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:to="loc_ofg_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTermAndLongTerm_019cd32c-c0d8-7a4a-bf32-0288a79218f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019cd32c-c0d8-7940-9611-8fb3fd68918c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_019cd32c-c0d8-737a-a12e-4999afef91cd" xlink:to="loc_us-gaap_InterestExpenseOperating_019cd32c-c0d8-7940-9611-8fb3fd68918c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cd32c-c0d8-7fd2-bbfb-2a50d42cde44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cd32c-c0d8-7fd2-bbfb-2a50d42cde44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c0d8-7b81-9877-d052c95eb103" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c0d8-7b81-9877-d052c95eb103" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019cd32c-c0d8-70b2-9ca0-89e2848be24d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019cd32c-c0d8-70b2-9ca0-89e2848be24d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalBankingServiceRevenues_019cd32c-c0d8-71d8-b5b5-1fbb301372ef" xlink:href="ofg-20260331.xsd#ofg_TotalBankingServiceRevenues"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:to="loc_ofg_TotalBankingServiceRevenues_019cd32c-c0d8-71d8-b5b5-1fbb301372ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_WealthManagementRevenue_019cd32c-c0d8-73c6-91b5-1fb069485d1d" xlink:href="ofg-20260331.xsd#ofg_WealthManagementRevenue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:to="loc_ofg_WealthManagementRevenue_019cd32c-c0d8-73c6-91b5-1fb069485d1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_019cd32c-c0d8-7e18-8f6f-15b838422cf3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FeesAndCommissionsMortgageBankingAndServicing"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:to="loc_us-gaap_FeesAndCommissionsMortgageBankingAndServicing_019cd32c-c0d8-7e18-8f6f-15b838422cf3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalBankingAndFinancialServiceRevenues1_019cd32c-c0d8-76f6-b9c9-2be77760a8e5" xlink:href="ofg-20260331.xsd#ofg_TotalBankingAndFinancialServiceRevenues1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019cd32c-c0d8-7a22-8b76-61d154add9f9" xlink:to="loc_ofg_TotalBankingAndFinancialServiceRevenues1_019cd32c-c0d8-76f6-b9c9-2be77760a8e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOther_019cd32c-c0d8-7650-8f2a-5d6b289696e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOther"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_NoninterestIncomeOther_019cd32c-c0d8-7650-8f2a-5d6b289696e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019cd32c-c0d8-733c-ba07-6378b76d4c77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_NoninterestIncome_019cd32c-c0d8-733c-ba07-6378b76d4c77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019cd32c-c0d8-7962-ab91-7a8d5e79baf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019cd32c-c0d8-7962-ab91-7a8d5e79baf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019cd32c-c0d8-7b5b-b96f-666f2d4705be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OccupancyNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_OccupancyNet_019cd32c-c0d8-7b5b-b96f-666f2d4705be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ElectronicBankingCharges_019cd32c-c0d8-7831-8bfd-ddf92bc96aee" xlink:href="ofg-20260331.xsd#ofg_ElectronicBankingCharges"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_ofg_ElectronicBankingCharges_019cd32c-c0d8-7831-8bfd-ddf92bc96aee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_019cd32c-c0d8-7d16-9b63-24fb98d70648" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_019cd32c-c0d8-7d16-9b63-24fb98d70648" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019cd32c-c0d8-736f-9a66-e0261e281260" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_ProfessionalFees_019cd32c-c0d8-736f-9a66-e0261e281260" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TaxesOther_019cd32c-c0d8-7976-99ce-721a5bc94d00" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TaxesOther"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_TaxesOther_019cd32c-c0d8-7976-99ce-721a5bc94d00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_GeneralInsuranceExpenseIncome_019cd32c-c0d8-7d37-9f0f-e68f0e11ca8a" xlink:href="ofg-20260331.xsd#ofg_GeneralInsuranceExpenseIncome"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_ofg_GeneralInsuranceExpenseIncome_019cd32c-c0d8-7d37-9f0f-e68f0e11ca8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvertisingExpense_019cd32c-c0d8-7625-88ed-e5e36bf993e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvertisingExpense"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_AdvertisingExpense_019cd32c-c0d8-7625-88ed-e5e36bf993e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LoanServicingAndClearingExpenses_019cd32c-c0d8-7725-afa2-01c5b223ac6a" xlink:href="ofg-20260331.xsd#ofg_LoanServicingAndClearingExpenses"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_ofg_LoanServicingAndClearingExpenses_019cd32c-c0d8-7725-afa2-01c5b223ac6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Communication_019cd32c-c0d8-789e-9ba9-46a71625e0de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Communication"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_Communication_019cd32c-c0d8-789e-9ba9-46a71625e0de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SuppliesAndPostageExpense_019cd32c-c0d8-7a4f-be30-8bf206d6b8de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SuppliesAndPostageExpense"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_SuppliesAndPostageExpense_019cd32c-c0d8-7a4f-be30-8bf206d6b8de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_NoninterestExpenseDirectorAndInvestorRelations_019cd32c-c0d8-705c-bb15-6c8e47a9ec41" xlink:href="ofg-20260331.xsd#ofg_NoninterestExpenseDirectorAndInvestorRelations"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_ofg_NoninterestExpenseDirectorAndInvestorRelations_019cd32c-c0d8-705c-bb15-6c8e47a9ec41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LossGainOnSaleOfForeclosedRealEstateOtherRepossessedAssetsAndCreditRelatedExpenses_019cd32c-c0d8-718c-a32c-a2adf3b8bcc8" xlink:href="ofg-20260331.xsd#ofg_LossGainOnSaleOfForeclosedRealEstateOtherRepossessedAssetsAndCreditRelatedExpenses"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_ofg_LossGainOnSaleOfForeclosedRealEstateOtherRepossessedAssetsAndCreditRelatedExpenses_019cd32c-c0d8-718c-a32c-a2adf3b8bcc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_019cd32c-c0d8-7586-9609-8edebeab14dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_OtherNoninterestExpense_019cd32c-c0d8-7586-9609-8edebeab14dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019cd32c-c0d8-7daf-a782-edce90872ab0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c0d8-727b-bc37-c7a609aa25cc" xlink:to="loc_us-gaap_NoninterestExpense_019cd32c-c0d8-7daf-a782-edce90872ab0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cd32c-c0d8-7ef5-8ac7-90f0df3361a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cd32c-c0d8-7ef5-8ac7-90f0df3361a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c0d8-7df4-9291-866cc201de48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c0d8-7df4-9291-866cc201de48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cd32c-c0d8-7769-a6b4-a987e3d13816" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cd32c-c0d8-7769-a6b4-a987e3d13816" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c0d8-743e-b1d9-31b740d9a75a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c0d8-743e-b1d9-31b740d9a75a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019cd32c-c0d8-7666-9e5b-3039751cf5c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c0d8-743e-b1d9-31b740d9a75a" xlink:to="loc_us-gaap_EarningsPerShareBasic_019cd32c-c0d8-7666-9e5b-3039751cf5c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019cd32c-c0d8-736d-ba7d-0c20b13b2adf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c0d8-743e-b1d9-31b740d9a75a" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019cd32c-c0d8-736d-ba7d-0c20b13b2adf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cd32c-c0d8-77ad-8c14-08aa4b5bd6c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cd32c-c0d8-77ad-8c14-08aa4b5bd6c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019cd32c-c0d8-78cc-b317-e93cafa8a299" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019cd32c-c0d8-7bce-a42f-7e541baa692d" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019cd32c-c0d8-78cc-b317-e93cafa8a299" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-7804-aca1-06de8c958b8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:to="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-7804-aca1-06de8c958b8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_019cd32c-c0d8-760c-b99c-1197111a2d05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_019cd32c-c0d8-760c-b99c-1197111a2d05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019cd32c-c0d8-7287-a9b2-f521d647e859" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_019cd32c-c0d8-760c-b99c-1197111a2d05" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019cd32c-c0d8-7287-a9b2-f521d647e859" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cd32c-c0d8-7d0c-b111-5e2ee5c13a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_019cd32c-c0d8-760c-b99c-1197111a2d05" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019cd32c-c0d8-7d0c-b111-5e2ee5c13a3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cd32c-c0d8-7ede-b09e-eed0f48d3020" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cd32c-c0d8-7ede-b09e-eed0f48d3020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-71f0-9320-afa952d8ec1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-71f0-9320-afa952d8ec1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cd32c-c0d8-7878-94cf-0b07b606ee04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_019cd32c-c0d8-72df-9ad8-b12a728457e8" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_019cd32c-c0d8-7878-94cf-0b07b606ee04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_019cd32c-c0d8-75d9-b311-4fe5d975b90b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019cd32c-c0d8-770d-b237-2ba528391e29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_019cd32c-c0d8-75d9-b311-4fe5d975b90b" xlink:to="loc_us-gaap_StatementTable_019cd32c-c0d8-770d-b237-2ba528391e29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c0d8-7647-8bb7-fea17c529b3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019cd32c-c0d8-770d-b237-2ba528391e29" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c0d8-7647-8bb7-fea17c529b3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c0d8-7647-8bb7-fea17c529b3b" xlink:to="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cd32c-c0d8-739a-9b10-76823b2a48d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_us-gaap_CommonStockMember_019cd32c-c0d8-739a-9b10-76823b2a48d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019cd32c-c0d8-7bba-88c0-96cdef075779" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019cd32c-c0d8-7bba-88c0-96cdef075779" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LegalSurplusMember_019cd32c-c0d8-73f0-93ae-e1cb30cb6f88" xlink:href="ofg-20260331.xsd#ofg_LegalSurplusMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_ofg_LegalSurplusMember_019cd32c-c0d8-73f0-93ae-e1cb30cb6f88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019cd32c-c0d8-74ff-9071-a81828bae422" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_us-gaap_RetainedEarningsMember_019cd32c-c0d8-74ff-9071-a81828bae422" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_019cd32c-c0d8-7858-83d9-0e667711b2bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_us-gaap_TreasuryStockCommonMember_019cd32c-c0d8-7858-83d9-0e667711b2bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cd32c-c0d8-71d4-baa2-12fec112b414" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c0d8-79a3-b75c-f3a6bf64f1d3" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cd32c-c0d8-71d4-baa2-12fec112b414" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019cd32c-c0d8-77ef-bf15-609b4ea09ef0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019cd32c-c0d8-770d-b237-2ba528391e29" xlink:to="loc_us-gaap_StatementLineItems_019cd32c-c0d8-77ef-bf15-609b4ea09ef0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019cd32c-c0d8-77ef-bf15-609b4ea09ef0" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-7b80-ad0f-28f8cc981334" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-7b80-ad0f-28f8cc981334" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019cd32c-c0d8-7ebc-a357-9793c89d1826" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019cd32c-c0d8-7ebc-a357-9793c89d1826" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet_019cd32c-c0d8-7f84-9104-b6b13ee17454" xlink:href="ofg-20260331.xsd#ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet_019cd32c-c0d8-7f84-9104-b6b13ee17454" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TransferFromRetainedEarnings_019cd32c-c0d8-7d23-a3b7-b4595dfec34d" xlink:href="ofg-20260331.xsd#ofg_TransferFromRetainedEarnings"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_ofg_TransferFromRetainedEarnings_019cd32c-c0d8-7d23-a3b7-b4595dfec34d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-78f9-a57f-dc74ed57e710" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-78f9-a57f-dc74ed57e710" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_019cd32c-c0d8-7f2d-a918-e7a1c6711024" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_DividendsCommonStockCash_019cd32c-c0d8-7f2d-a918-e7a1c6711024" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TransferToLegalSurplus_019cd32c-c0d8-7a53-8acc-2a9344a97fc7" xlink:href="ofg-20260331.xsd#ofg_TransferToLegalSurplus"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_ofg_TransferToLegalSurplus_019cd32c-c0d8-7a53-8acc-2a9344a97fc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c0d8-77be-83f5-79a04755c51f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c0d8-77be-83f5-79a04755c51f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet_019cd32c-c0d8-7e97-9135-54f9d898daba" xlink:href="ofg-20260331.xsd#ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_ofg_ExercisedRestrictedStockUnitsAndEmployeeOptionsWithTreasurySharesEmployeeAwardRepurchasedNet_019cd32c-c0d8-7e97-9135-54f9d898daba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-7489-9740-f88acf522f06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019cd32c-c0d8-7489-9740-f88acf522f06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-798c-92ab-3ca09f5dffd2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cd32c-c0d8-793e-a16a-dc3260f9fc02" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c0d8-798c-92ab-3ca09f5dffd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITYParenthetical" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITYParenthetical"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITYParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_019cd32c-c0d8-7eea-a514-0e072ed130b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_019cd32c-c0d8-7826-b340-41ea6e14d421" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_019cd32c-c0d8-7eea-a514-0e072ed130b4" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_019cd32c-c0d8-7826-b340-41ea6e14d421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="ofg-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-72df-b262-7586cca049c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-72df-b262-7586cca049c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-71ec-90fd-71de9f8ed16b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-72df-b262-7586cca049c5" xlink:to="loc_us-gaap_NetIncomeLoss_019cd32c-c0d8-71ec-90fd-71de9f8ed16b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-72df-b262-7586cca049c5" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_019cd32c-c0d8-7896-a0c9-46ad879de741" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_019cd32c-c0d8-7896-a0c9-46ad879de741" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019cd32c-c0d8-764d-9106-f59c56a0b9bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_019cd32c-c0d8-764d-9106-f59c56a0b9bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019cd32c-c0d8-757f-9b2a-eb6b81dbe9e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019cd32c-c0d8-757f-9b2a-eb6b81dbe9e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_IncreaseDecreaseInOperatingLeases_019cd32c-c0d8-71aa-a03b-0e0633338e7e" xlink:href="ofg-20260331.xsd#ofg_IncreaseDecreaseInOperatingLeases"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_ofg_IncreaseDecreaseInOperatingLeases_019cd32c-c0d8-71aa-a03b-0e0633338e7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationNonproduction_019cd32c-c0d8-7aee-bb79-e62abf210bd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationNonproduction"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_DepreciationNonproduction_019cd32c-c0d8-7aee-bb79-e62abf210bd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019cd32c-c0d8-7a82-8039-f9efe09885d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019cd32c-c0d8-7a82-8039-f9efe09885d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c0d8-7667-9fb2-4d0f116bdc5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c0d8-7667-9fb2-4d0f116bdc5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019cd32c-c0d8-7ab3-88f2-3eb74302d040" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_ShareBasedCompensation_019cd32c-c0d8-7ab3-88f2-3eb74302d040" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:href="ofg-20260331.xsd#ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfMortgageLoans_019cd32c-c0d8-7b45-bbd4-f2bca9004b45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSaleOfMortgageLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:to="loc_us-gaap_GainLossOnSaleOfMortgageLoans_019cd32c-c0d8-7b45-bbd4-f2bca9004b45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLossFromRealEstateOperations_019cd32c-c0d8-74ab-afbd-76c6a52e37ad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLossFromRealEstateOperations"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:to="loc_us-gaap_ProfitLossFromRealEstateOperations_019cd32c-c0d8-74ab-afbd-76c6a52e37ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019cd32c-c0d8-7c30-8b06-78bca62031df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:to="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019cd32c-c0d8-7c30-8b06-78bca62031df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019cd32c-c0d8-769d-b64b-6025ccb8beea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_GainsLossesOnSalesOfAssetsAndMarketAdjustmentsAbstract_019cd32c-c0d8-75c8-9e56-37a83bd46a9b" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_019cd32c-c0d8-769d-b64b-6025ccb8beea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_019cd32c-c0d8-7dfa-95ae-b052efe1cb15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOperatingAssetsAbstract"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_019cd32c-c0d8-7dfa-95ae-b052efe1cb15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019cd32c-c0d8-70be-a5d6-c7be78150bd8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_019cd32c-c0d8-7dfa-95ae-b052efe1cb15" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019cd32c-c0d8-70be-a5d6-c7be78150bd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PeriodIncreaseDecreaseInServicingAssets_019cd32c-c0d8-7007-b220-8c60f2eb09b3" xlink:href="ofg-20260331.xsd#ofg_PeriodIncreaseDecreaseInServicingAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_019cd32c-c0d8-7dfa-95ae-b052efe1cb15" xlink:to="loc_ofg_PeriodIncreaseDecreaseInServicingAssets_019cd32c-c0d8-7007-b220-8c60f2eb09b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019cd32c-c0d8-72f8-a1c5-ad6e79629c27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingAssetsAbstract_019cd32c-c0d8-7dfa-95ae-b052efe1cb15" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019cd32c-c0d8-72f8-a1c5-ad6e79629c27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_019cd32c-c0d8-7eec-ad0a-ed51d11c99df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-7452-833c-b8fe07716fc3" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_019cd32c-c0d8-7eec-ad0a-ed51d11c99df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019cd32c-c0d8-7a5d-844e-3fc08112c86a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_019cd32c-c0d8-7eec-ad0a-ed51d11c99df" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019cd32c-c0d8-7a5d-844e-3fc08112c86a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_019cd32c-c0d8-7551-bbec-69ee1209e244" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingLiabilitiesAbstract_019cd32c-c0d8-7eec-ad0a-ed51d11c99df" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_019cd32c-c0d8-7551-bbec-69ee1209e244" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cd32c-c0d8-7879-bdee-14246f5b9e85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019cd32c-c0d8-72df-b262-7586cca049c5" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019cd32c-c0d8-7879-bdee-14246f5b9e85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInvestmentsAbstract_019cd32c-c0d8-7998-8020-a6dcc405e15d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireInvestmentsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:to="loc_us-gaap_PaymentsToAcquireInvestmentsAbstract_019cd32c-c0d8-7998-8020-a6dcc405e15d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cd32c-c0d8-7423-978b-0092694c7e47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PaymentsToAcquireInvestmentsAbstract_019cd32c-c0d8-7998-8020-a6dcc405e15d" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019cd32c-c0d8-7423-978b-0092694c7e47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_019cd32c-c0d8-7c38-8fb6-044e083b7a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PaymentsToAcquireInvestmentsAbstract_019cd32c-c0d8-7998-8020-a6dcc405e15d" xlink:to="loc_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_019cd32c-c0d8-7c38-8fb6-044e083b7a9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireOtherInvestments_019cd32c-c0d8-7cd7-85c6-2d4433868e6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireOtherInvestments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PaymentsToAcquireInvestmentsAbstract_019cd32c-c0d8-7998-8020-a6dcc405e15d" xlink:to="loc_us-gaap_PaymentsToAcquireOtherInvestments_019cd32c-c0d8-7cd7-85c6-2d4433868e6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_019cd32c-c0d8-7d70-b14f-f518c3da968d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:to="loc_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_019cd32c-c0d8-7d70-b14f-f518c3da968d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cd32c-c0d8-722c-a46f-5eea0e48253c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_019cd32c-c0d8-7d70-b14f-f518c3da968d" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019cd32c-c0d8-722c-a46f-5eea0e48253c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019cd32c-c0d8-7e31-b089-a802c4b8c711" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_019cd32c-c0d8-7d70-b14f-f518c3da968d" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019cd32c-c0d8-7e31-b089-a802c4b8c711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_019cd32c-c178-749b-ad99-69ab96273ccb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestmentsAbstract_019cd32c-c0d8-7d70-b14f-f518c3da968d" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfOtherInvestments_019cd32c-c178-749b-ad99-69ab96273ccb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:href="ofg-20260331.xsd#ofg_ProceedsFromSaleAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:to="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_019cd32c-c178-703a-bd0e-894672aa6dd2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:to="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_019cd32c-c178-703a-bd0e-894672aa6dd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019cd32c-c178-7cdc-96d1-670eac704a41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_019cd32c-c178-7cdc-96d1-670eac704a41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_019cd32c-c178-70eb-9da9-b07cdfed7730" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:to="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_019cd32c-c178-70eb-9da9-b07cdfed7730" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019cd32c-c178-7d9a-ab65-f347b567c567" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ProceedsFromSaleAbstract_019cd32c-c178-771d-84f9-8e9d1fda2b65" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019cd32c-c178-7d9a-ab65-f347b567c567" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cd32c-c178-711a-b1d0-e634827502f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019cd32c-c0d8-7a9d-8948-145e43522784" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019cd32c-c178-711a-b1d0-e634827502f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_019cd32c-c178-704b-b5e6-5bde97dd783d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_019cd32c-c178-704b-b5e6-5bde97dd783d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_019cd32c-c178-70de-b086-708f02609646" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_019cd32c-c178-704b-b5e6-5bde97dd783d" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_019cd32c-c178-70de-b086-708f02609646" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_019cd32c-c178-724f-8a82-5a18d5f2ff46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_019cd32c-c178-704b-b5e6-5bde97dd783d" xlink:to="loc_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_019cd32c-c178-724f-8a82-5a18d5f2ff46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_IncreaseDecreaseInFHLBAdvancesAndOtherBorrowings_019cd32c-c178-7922-ad13-84b29588aa8a" xlink:href="ofg-20260331.xsd#ofg_IncreaseDecreaseInFHLBAdvancesAndOtherBorrowings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperationsAbstract_019cd32c-c178-704b-b5e6-5bde97dd783d" xlink:to="loc_ofg_IncreaseDecreaseInFHLBAdvancesAndOtherBorrowings_019cd32c-c178-7922-ad13-84b29588aa8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ProceedsFromPaymentsToStockOptionsRestrictedUnitsLapsedAndEmployeeAwardRepurchasedNet_019cd32c-c178-7015-aa8b-567fb98e3065" xlink:href="ofg-20260331.xsd#ofg_ProceedsFromPaymentsToStockOptionsRestrictedUnitsLapsedAndEmployeeAwardRepurchasedNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:to="loc_ofg_ProceedsFromPaymentsToStockOptionsRestrictedUnitsLapsedAndEmployeeAwardRepurchasedNet_019cd32c-c178-7015-aa8b-567fb98e3065" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfEquity_019cd32c-c178-733f-aeb6-8126c8a40baf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfEquity_019cd32c-c178-733f-aeb6-8126c8a40baf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019cd32c-c178-73d4-a0ab-9bc1a0912823" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019cd32c-c178-73d4-a0ab-9bc1a0912823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cd32c-c178-7212-92ac-284508113496" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019cd32c-c178-7485-9063-cb06c60425c7" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019cd32c-c178-7212-92ac-284508113496" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cd32c-c178-7334-a887-a26fd5e7dbe5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019cd32c-c178-7334-a887-a26fd5e7dbe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-7530-b872-e08e35b95d10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-7530-b872-e08e35b95d10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-7064-b31a-a859872538d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-7064-b31a-a859872538d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract_019cd32c-c178-7c45-b38c-2cd952581170" xlink:href="ofg-20260331.xsd#ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract_019cd32c-c178-7c45-b38c-2cd952581170" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019cd32c-c178-7a0f-850b-c988308b13d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract_019cd32c-c178-7c45-b38c-2cd952581170" xlink:to="loc_us-gaap_CashAndDueFromBanks_019cd32c-c178-7a0f-850b-c988308b13d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c178-7325-a5ee-2a2fcf85d43f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MoneyMarketFundsAtCarryingValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract_019cd32c-c178-7c45-b38c-2cd952581170" xlink:to="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c178-7325-a5ee-2a2fcf85d43f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-773a-a9cb-f3ae745fc446" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ReconciliationOfTheConsolidatedStatementsOfCashFlowsToTheConsolidatedBalanceSheetsAbstract_019cd32c-c178-7c45-b38c-2cd952581170" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019cd32c-c178-773a-a9cb-f3ae745fc446" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019cd32c-c0d8-7809-a371-f139fdb29779" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_019cd32c-c178-7ea3-8f13-e557d1c32f62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_us-gaap_InterestPaidNet_019cd32c-c178-7ea3-8f13-e557d1c32f62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_019cd32c-c178-7cc6-a35d-4eebe041a7ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_us-gaap_IncomeTaxesPaidNet_019cd32c-c178-7cc6-a35d-4eebe041a7ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_019cd32c-c178-73a5-b0a7-68078608f7f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_us-gaap_OperatingLeasePayments_019cd32c-c178-73a5-b0a7-68078608f7f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities_019cd32c-c178-79a5-a450-e2badbca9c95" xlink:href="ofg-20260331.xsd#ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_ofg_MortgageLoansSecuritizedIntoMortgageBackedSecurities_019cd32c-c178-79a5-a450-e2badbca9c95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TransferOfLoansToOtherRealEstate_019cd32c-c178-7a56-aa79-e0f3e1a49045" xlink:href="ofg-20260331.xsd#ofg_TransferOfLoansToOtherRealEstate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_ofg_TransferOfLoansToOtherRealEstate_019cd32c-c178-7a56-aa79-e0f3e1a49045" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019cd32c-c178-7bec-b265-4b11110333c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_019cd32c-c178-7bec-b265-4b11110333c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancedSalesOfForeclosedRealEstate_019cd32c-c178-7950-940e-5d365ea1d5e0" xlink:href="ofg-20260331.xsd#ofg_FinancedSalesOfForeclosedRealEstate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_ofg_FinancedSalesOfForeclosedRealEstate_019cd32c-c178-7950-940e-5d365ea1d5e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LoansBookedUnderGnmaBuyBackOption_019cd32c-c178-7054-8119-f6a9ed2dee62" xlink:href="ofg-20260331.xsd#ofg_LoansBookedUnderGnmaBuyBackOption"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_019cd32c-c178-78ac-8623-1401672f04c1" xlink:to="loc_ofg_LoansBookedUnderGnmaBuyBackOption_019cd32c-c178-7054-8119-f6a9ed2dee62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" xlink:type="simple" xlink:href="ofg-20260331.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_019cd32c-c178-762a-a7a0-a0ad10ff5050" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_019cd32c-c178-791f-b8e2-f79e8cfa95a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019cd32c-c178-762a-a7a0-a0ad10ff5050" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_019cd32c-c178-791f-b8e2-f79e8cfa95a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/CASHRESTRICTIONS" xlink:type="simple" xlink:href="ofg-20260331.xsd#CASHRESTRICTIONS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/CASHRESTRICTIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestmentsAbstract_019cd32c-c178-7cd3-8e90-24cc9c093ba6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedAssetsDisclosureTextBlock_019cd32c-c178-7031-adef-5a5b49efb508" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAndInvestmentsAbstract_019cd32c-c178-7cd3-8e90-24cc9c093ba6" xlink:to="loc_us-gaap_RestrictedAssetsDisclosureTextBlock_019cd32c-c178-7031-adef-5a5b49efb508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIES" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7b17-a46d-10b0e058859a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019cd32c-c178-7c97-beab-8756b25f64b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7b17-a46d-10b0e058859a" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019cd32c-c178-7c97-beab-8756b25f64b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANS" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-71af-92ff-cea2c26736d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock_019cd32c-c178-79a0-a696-9925d9f81533" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-71af-92ff-cea2c26736d9" xlink:to="loc_us-gaap_FinancingReceivablesTextBlock_019cd32c-c178-79a0-a696-9925d9f81533" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSES" xlink:type="simple" xlink:href="ofg-20260331.xsd#ALLOWANCEFORCREDITLOSSES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_019cd32c-c178-70c4-93ed-cb824c042162" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock_019cd32c-c178-7a8b-a92e-b7bcc52b13ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_019cd32c-c178-70c4-93ed-cb824c042162" xlink:to="loc_us-gaap_AllowanceForCreditLossesTextBlock_019cd32c-c178-7a8b-a92e-b7bcc52b13ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FORECLOSEDREALESTATE" xlink:type="simple" xlink:href="ofg-20260331.xsd#FORECLOSEDREALESTATE"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FORECLOSEDREALESTATE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7074-b59d-87fd7c83c6b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedTextBlock_019cd32c-c178-7fb0-98ea-1c5eeb2ac4a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7074-b59d-87fd7c83c6b3" xlink:to="loc_us-gaap_RealEstateOwnedTextBlock_019cd32c-c178-7fb0-98ea-1c5eeb2ac4a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETS" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7348-a595-a871edd64030" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_019cd32c-c178-75d3-8ad7-fbd467cae943" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7348-a595-a871edd64030" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_019cd32c-c178-75d3-8ad7-fbd467cae943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETS" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-741d-9bdd-4cef41910518" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_019cd32c-c22b-7cbc-b62f-0eca64d1116c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-741d-9bdd-4cef41910518" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_019cd32c-c22b-7cbc-b62f-0eca64d1116c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETS" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCRUEDINTERESTRECEIVABLEANDOTHERASSETS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-71b3-864a-49fb9e8057ee" xlink:href="ofg-20260331.xsd#ofg_Accruedinterestreceivableandotherassetsabstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsDisclosureTextBlock_019cd32c-c22b-7cdd-812a-697993cbbc9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-71b3-864a-49fb9e8057ee" xlink:to="loc_us-gaap_OtherAssetsDisclosureTextBlock_019cd32c-c22b-7cdd-812a-697993cbbc9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTEREST" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTEREST"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTEREST" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b33-bd71-4c41ec48d482" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_019cd32c-c22b-7144-9ccf-7fe79c99484a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b33-bd71-4c41ec48d482" xlink:to="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_019cd32c-c22b-7144-9ccf-7fe79c99484a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTEREST" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTEREST"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTEREST" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7ff9-b7d1-0296fafcaad9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_019cd32c-c22b-7db8-844a-53a592611bb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7ff9-b7d1-0296fafcaad9" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_019cd32c-c22b-7db8-844a-53a592611bb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIES" xlink:type="simple" xlink:href="ofg-20260331.xsd#OFFSETTINGOFFINANCIALASSETSANDLIABILITIES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-7a50-8bcd-48e1d333208f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BalanceSheetOffsettingTextBlock_019cd32c-c22b-7919-a2b4-46ffae9ff1d0" xlink:href="ofg-20260331.xsd#ofg_BalanceSheetOffsettingTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-7a50-8bcd-48e1d333208f" xlink:to="loc_ofg_BalanceSheetOffsettingTextBlock_019cd32c-c22b-7919-a2b4-46ffae9ff1d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INCOMETAXES" xlink:type="simple" xlink:href="ofg-20260331.xsd#INCOMETAXES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INCOMETAXES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_019cd32c-c22b-795b-8c66-5792bf473453" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_019cd32c-c22b-788a-9f18-98cc3a0f612b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_019cd32c-c22b-795b-8c66-5792bf473453" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_019cd32c-c22b-788a-9f18-98cc3a0f612b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTS" xlink:type="simple" xlink:href="ofg-20260331.xsd#REGULATORYCAPITALREQUIREMENTS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-74a5-abcb-4fa9970b29c9" xlink:href="ofg-20260331.xsd#ofg_CapitalDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_019cd32c-c22c-7994-af68-25ac2b415b15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-74a5-abcb-4fa9970b29c9" xlink:to="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_019cd32c-c22c-7994-af68-25ac2b415b15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/STOCKHOLDERSEQUITY" xlink:type="simple" xlink:href="ofg-20260331.xsd#STOCKHOLDERSEQUITY"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/STOCKHOLDERSEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-7609-a3da-a4897c66b770" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock_019cd32c-c22c-7cf5-a8ba-e18930bff822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-7609-a3da-a4897c66b770" xlink:to="loc_us-gaap_ShareholdersEquityAndShareBasedPaymentsTextBlock_019cd32c-c22c-7cf5-a8ba-e18930bff822" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSS" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019cd32c-c22c-77a4-9901-d07b1188673b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_019cd32c-c22c-78e6-a1b6-c29f8eb29d1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-77a4-9901-d07b1188673b" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_019cd32c-c22c-78e6-a1b6-c29f8eb29d1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARE" xlink:type="simple" xlink:href="ofg-20260331.xsd#EARNINGSPERCOMMONSHARE"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARE" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-747c-bb10-1a1c2dba4996" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_019cd32c-c22c-71f1-b750-f165fda76453" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-747c-bb10-1a1c2dba4996" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_019cd32c-c22c-71f1-b750-f165fda76453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GUARANTEES" xlink:type="simple" xlink:href="ofg-20260331.xsd#GUARANTEES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GUARANTEES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7351-8402-ca778e3cd3fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesTextBlock_019cd32c-c22c-7a8c-85b2-8509221ad893" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7351-8402-ca778e3cd3fc" xlink:to="loc_us-gaap_GuaranteesTextBlock_019cd32c-c22c-7a8c-85b2-8509221ad893" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="simple" xlink:href="ofg-20260331.xsd#COMMITMENTSANDCONTINGENCIES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-72ce-887f-312a3d976be5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019cd32c-c22c-7710-827b-edaa4475f3ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-72ce-887f-312a3d976be5" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019cd32c-c22c-7710-827b-edaa4475f3ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASES" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-703a-a1cf-41278ecd52eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_019cd32c-c22c-7f33-8927-2bdb7c538fad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-703a-a1cf-41278ecd52eb" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_019cd32c-c22c-7f33-8927-2bdb7c538fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTS" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7e77-aa30-8800eda1f6f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_019cd32c-c22c-78aa-850e-f89a5baf51ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7e77-aa30-8800eda1f6f4" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_019cd32c-c22c-78aa-850e-f89a5baf51ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUES" xlink:type="simple" xlink:href="ofg-20260331.xsd#BANKINGANDFINANCIALSERVICEREVENUES"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUES" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7909-9ba9-d7168159d258" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingAndThriftInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingAndThriftDisclosureTextBlock_019cd32c-c2dd-7764-b668-980352f33cef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingAndThriftDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7909-9ba9-d7168159d258" xlink:to="loc_us-gaap_BankingAndThriftDisclosureTextBlock_019cd32c-c2dd-7764-b668-980352f33cef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BUSINESSSEGMENTS" xlink:type="simple" xlink:href="ofg-20260331.xsd#BUSINESSSEGMENTS"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BUSINESSSEGMENTS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-726e-a4af-fa44ce9c919d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_019cd32c-c2dd-78e3-9e23-b871831590b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-726e-a4af-fa44ce9c919d" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_019cd32c-c2dd-78e3-9e23-b871831590b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" xlink:type="simple" xlink:href="ofg-20260331.xsd#SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SUMMARYOFSIGNIFICANTACCOUNTINGPOLICIESPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_019cd32c-c178-796d-b696-e937083b1c2d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019d32de-420c-7671-adb5-0c222ab2030c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019cd32c-c178-796d-b696-e937083b1c2d" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019d32de-420c-7671-adb5-0c222ab2030c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_019d32de-5b7b-7fdd-9a7d-d9c1f2a7d893" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_019cd32c-c178-796d-b696-e937083b1c2d" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_019d32de-5b7b-7fdd-9a7d-d9c1f2a7d893" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7a80-8888-cdf2d9793961" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019cd32c-c178-74ca-9288-f0bae804756e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7a80-8888-cdf2d9793961" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019cd32c-c178-74ca-9288-f0bae804756e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019cd32c-c178-7580-852d-f767cc8a9d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7a80-8888-cdf2d9793961" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019cd32c-c178-7580-852d-f767cc8a9d4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_019cd32c-c178-7793-b7f4-37955a1e5b07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_019cd32c-c178-7793-b7f4-37955a1e5b07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_019cd32c-c178-7b80-915a-e13d5b885c82" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_019cd32c-c178-7b80-915a-e13d5b885c82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_019cd32c-c178-7f9f-8fc8-dfa49becccb3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_019cd32c-c178-7f9f-8fc8-dfa49becccb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_019cd32c-c178-77b5-9a90-58c7ab79c1d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_019cd32c-c178-77b5-9a90-58c7ab79c1d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_019cd32c-c178-73c6-a870-54b13dc28ced" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock_019cd32c-c178-73c6-a870-54b13dc28ced" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedPastDueTableTextBlock_019cd32c-c178-78f6-ba95-9a8e6b044b86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedPastDueTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_FinancingReceivableModifiedPastDueTableTextBlock_019cd32c-c178-78f6-ba95-9a8e6b044b86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfAmortizedCostOfCollateralDependentLoansHeldForInvestmentTableTextBlock_019cd32c-c178-761a-8925-f9490e5c7d09" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfAmortizedCostOfCollateralDependentLoansHeldForInvestmentTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_ofg_ScheduleOfAmortizedCostOfCollateralDependentLoansHeldForInvestmentTableTextBlock_019cd32c-c178-761a-8925-f9490e5c7d09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_019cd32c-c178-79ec-b93b-8d4fe17ddb25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7edd-aa88-c6657524cbc5" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_019cd32c-c178-79ec-b93b-8d4fe17ddb25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#ALLOWANCEFORCREDITLOSSESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_019cd32c-c178-7307-a412-647a60e3533d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_019cd32c-c178-708e-98da-10546d6dd8c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_019cd32c-c178-7307-a412-647a60e3533d" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_019cd32c-c178-708e-98da-10546d6dd8c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FORECLOSEDREALESTATETables" xlink:type="simple" xlink:href="ofg-20260331.xsd#FORECLOSEDREALESTATETables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FORECLOSEDREALESTATETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7fb2-bb38-69fa07f65c01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ForeclosedRealEstateRollForwardTableTextBlock_019cd32c-c178-760f-8284-19035519600f" xlink:href="ofg-20260331.xsd#ofg_ForeclosedRealEstateRollForwardTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7fb2-bb38-69fa07f65c01" xlink:to="loc_ofg_ForeclosedRealEstateRollForwardTableTextBlock_019cd32c-c178-760f-8284-19035519600f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7574-a2a9-46c1ef0ebee6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_019cd32c-c178-7a24-b159-83c240c2a1b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7574-a2a9-46c1ef0ebee6" xlink:to="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_019cd32c-c178-7a24-b159-83c240c2a1b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_019cd32c-c178-71cd-9d85-f58a3b14ace5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7574-a2a9-46c1ef0ebee6" xlink:to="loc_us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_019cd32c-c178-71cd-9d85-f58a3b14ace5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_019cd32c-c178-70c1-b771-2ee163aafe55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-7574-a2a9-46c1ef0ebee6" xlink:to="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_019cd32c-c178-70c1-b771-2ee163aafe55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-79d0-8928-ec57bafa8c8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock_019cd32c-c22b-7738-b933-0f5c97cbf3de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfGoodwillTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-79d0-8928-ec57bafa8c8f" xlink:to="loc_us-gaap_ScheduleOfGoodwillTextBlock_019cd32c-c22b-7738-b933-0f5c97cbf3de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_019cd32c-c22b-7b39-a428-f6742931e1ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-79d0-8928-ec57bafa8c8f" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_019cd32c-c22b-7b39-a428-f6742931e1ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_019cd32c-c22b-7fab-b3a6-ab50050bcc15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-79d0-8928-ec57bafa8c8f" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_019cd32c-c22b-7fab-b3a6-ab50050bcc15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-726a-acd5-bb30ba18ef05" xlink:href="ofg-20260331.xsd#ofg_Accruedinterestreceivableandotherassetsabstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfAccruedInterestReceivableTableTextBlock_019cd32c-c22b-73d5-9520-fbcc123181bf" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfAccruedInterestReceivableTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-726a-acd5-bb30ba18ef05" xlink:to="loc_ofg_ScheduleOfAccruedInterestReceivableTableTextBlock_019cd32c-c22b-73d5-9520-fbcc123181bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_019cd32c-c22b-7d8a-ba64-1345fe178b5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfOtherAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-726a-acd5-bb30ba18ef05" xlink:to="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_019cd32c-c22b-7d8a-ba64-1345fe178b5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTERESTTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b1e-8fc2-d4a4521e4394" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock_019cd32c-c22b-7f9c-a60a-f9d6ee3f58c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositLiabilitiesTypeTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b1e-8fc2-d4a4521e4394" xlink:to="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock_019cd32c-c22b-7f9c-a60a-f9d6ee3f58c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock_019cd32c-c22b-7603-a34f-c826ce5c3db2" xlink:href="ofg-20260331.xsd#ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b1e-8fc2-d4a4521e4394" xlink:to="loc_ofg_InterestExpenseDomesticDepositLiabilitiesTableTextBlock_019cd32c-c22b-7603-a34f-c826ce5c3db2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesTableTextBlock_019cd32c-c22b-7b3f-a41a-d256c1277194" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b1e-8fc2-d4a4521e4394" xlink:to="loc_us-gaap_TimeDepositMaturitiesTableTextBlock_019cd32c-c22b-7b3f-a41a-d256c1277194" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTERESTTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7dad-81fa-8dda562c7737" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRepurchaseAgreements_019cd32c-c22b-78e7-9028-5a271f0b469d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRepurchaseAgreements"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7dad-81fa-8dda562c7737" xlink:to="loc_us-gaap_ScheduleOfRepurchaseAgreements_019cd32c-c22b-78e7-9028-5a271f0b469d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_019cd32c-c22b-73fd-9ee5-90db6bf0c9c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7dad-81fa-8dda562c7737" xlink:to="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_019cd32c-c22b-73fd-9ee5-90db6bf0c9c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#OFFSETTINGOFFINANCIALASSETSANDLIABILITIESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-7732-949a-3ffe5126f248" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_019cd32c-c22b-7c95-ac30-47f058d9e476" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-7732-949a-3ffe5126f248" xlink:to="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_019cd32c-c22b-7c95-ac30-47f058d9e476" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#REGULATORYCAPITALREQUIREMENTSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-7685-8ee8-3db384940c49" xlink:href="ofg-20260331.xsd#ofg_CapitalDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_019cd32c-c22c-7232-b6ec-c67e154d7641" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-7685-8ee8-3db384940c49" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_019cd32c-c22c-7232-b6ec-c67e154d7641" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#STOCKHOLDERSEQUITYTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-79c8-b6aa-314f0ee559c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_019cd32c-c22c-7170-8f50-abcba741bb84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTreasuryStockByClassTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-79c8-b6aa-314f0ee559c9" xlink:to="loc_us-gaap_ScheduleOfTreasuryStockByClassTextBlock_019cd32c-c22c-7170-8f50-abcba741bb84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019cd32c-c22c-7d7f-852a-b70fbfaadd09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019cd32c-c22c-78d1-8dbb-b76c7b7a44c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-7d7f-852a-b70fbfaadd09" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_019cd32c-c22c-78d1-8dbb-b76c7b7a44c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_019cd32c-c22c-7f6c-8f29-97c60ac56d66" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-7d7f-852a-b70fbfaadd09" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_019cd32c-c22c-7f6c-8f29-97c60ac56d66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARETables" xlink:type="simple" xlink:href="ofg-20260331.xsd#EARNINGSPERCOMMONSHARETables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARETables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-7dc7-8840-48fa48c1096a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_019cd32c-c22c-76cc-8d45-cd6ec240ef11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-7dc7-8840-48fa48c1096a" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_019cd32c-c22c-76cc-8d45-cd6ec240ef11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GUARANTEESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#GUARANTEESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GUARANTEESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-709a-ba6d-999113144373" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_019cd32c-c22c-7059-b608-8203edd4d9dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-709a-ba6d-999113144373" xlink:to="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_019cd32c-c22c-7059-b608-8203edd4d9dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#COMMITMENTSANDCONTINGENCIESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-72ee-a5cb-60c2a78593f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_019cd32c-c22c-7118-acf3-ecb3a6c429cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-72ee-a5cb-60c2a78593f7" xlink:to="loc_us-gaap_ScheduleOfLineOfCreditFacilitiesTextBlock_019cd32c-c22c-7118-acf3-ecb3a6c429cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-79c2-8f03-1ee751f4248a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_019cd32c-c22c-7712-8445-968f344998f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-79c2-8f03-1ee751f4248a" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_019cd32c-c22c-7712-8445-968f344998f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfOperatingLeaseComponentsTableTextBlock_019cd32c-c22c-75f7-9d1e-16075c294d6b" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfOperatingLeaseComponentsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-79c2-8f03-1ee751f4248a" xlink:to="loc_ofg_ScheduleOfOperatingLeaseComponentsTableTextBlock_019cd32c-c22c-75f7-9d1e-16075c294d6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfOperatingLeaseTermsTableTextBlock_019cd32c-c22c-7b1b-9a3c-353f2eea3f45" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfOperatingLeaseTermsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-79c2-8f03-1ee751f4248a" xlink:to="loc_ofg_ScheduleOfOperatingLeaseTermsTableTextBlock_019cd32c-c22c-7b1b-9a3c-353f2eea3f45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_019cd32c-c22c-7d69-a231-21b7bc2461d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-79c2-8f03-1ee751f4248a" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_019cd32c-c22c-7d69-a231-21b7bc2461d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7bbd-bea4-05217b393733" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_019cd32c-c22c-706a-94f3-451d22936edd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7bbd-bea4-05217b393733" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_019cd32c-c22c-706a-94f3-451d22936edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019cd32c-c22c-76f9-a8b8-f54962302d36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7bbd-bea4-05217b393733" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_019cd32c-c22c-76f9-a8b8-f54962302d36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_019cd32c-c22c-7541-8bef-99890ced98c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7bbd-bea4-05217b393733" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_019cd32c-c22c-7541-8bef-99890ced98c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_019cd32c-c22c-7d49-bf8c-8b84db39d8e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7bbd-bea4-05217b393733" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_019cd32c-c22c-7d49-bf8c-8b84db39d8e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUESTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#BANKINGANDFINANCIALSERVICEREVENUESTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUESTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-742d-a303-f623506b2c41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingAndThriftInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfCommissionAndFeeRevenueTableTextBlock_019cd32c-c2dd-7a25-88ca-a2ce4b652310" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfCommissionAndFeeRevenueTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-742d-a303-f623506b2c41" xlink:to="loc_ofg_ScheduleOfCommissionAndFeeRevenueTableTextBlock_019cd32c-c2dd-7a25-88ca-a2ce4b652310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BUSINESSSEGMENTSTables" xlink:type="simple" xlink:href="ofg-20260331.xsd#BUSINESSSEGMENTSTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BUSINESSSEGMENTSTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-7b58-964c-705b00835f01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019cd32c-c2dd-7395-bf28-a03595395796" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-7b58-964c-705b00835f01" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019cd32c-c2dd-7395-bf28-a03595395796" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/CASHRESTRICTIONSDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#CASHRESTRICTIONSDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/CASHRESTRICTIONSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndInvestmentsAbstract_019cd32c-c178-7a42-866d-a036cf2fa1ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndInvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_019cd32c-c178-7852-8b38-55386c5515e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAndInvestmentsAbstract_019cd32c-c178-7a42-866d-a036cf2fa1ab" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_019cd32c-c178-7852-8b38-55386c5515e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ReserveRequiredByLocalGoverment_019cd32c-c178-750f-a7ec-66b3d560816e" xlink:href="ofg-20260331.xsd#ofg_ReserveRequiredByLocalGoverment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RestrictedCashAndInvestmentsAbstract_019cd32c-c178-7a42-866d-a036cf2fa1ab" xlink:to="loc_ofg_ReserveRequiredByLocalGoverment_019cd32c-c178-750f-a7ec-66b3d560816e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7b49-9b4f-8dd3d74dedb1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7b49-9b4f-8dd3d74dedb1" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019d9065-e1da-7ed1-8518-6223c29c3ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:to="loc_us-gaap_PledgedStatusAxis_019d9065-e1da-7ed1-8518-6223c29c3ea4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019d9065-e1da-751a-9af2-2b0c907e1fa7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_019d9065-e1da-7ed1-8518-6223c29c3ea4" xlink:to="loc_us-gaap_PledgedStatusDomain_019d9065-e1da-751a-9af2-2b0c907e1fa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019d9065-e1da-73b5-b22e-2f7a996a903d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_019d9065-e1da-751a-9af2-2b0c907e1fa7" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019d9065-e1da-73b5-b22e-2f7a996a903d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_019d9065-e1da-786f-bb4b-a6aeaa7f3a89" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:to="loc_us-gaap_CollateralAxis_019d9065-e1da-786f-bb4b-a6aeaa7f3a89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_019d9065-e1da-7d33-b46f-bf4309431410" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_019d9065-e1da-786f-bb4b-a6aeaa7f3a89" xlink:to="loc_us-gaap_CollateralDomain_019d9065-e1da-7d33-b46f-bf4309431410" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PublicFundsMember_019d9065-e1da-7997-bdff-ed6cf2e27b25" xlink:href="ofg-20260331.xsd#ofg_PublicFundsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_019d9065-e1da-7d33-b46f-bf4309431410" xlink:to="loc_ofg_PublicFundsMember_019d9065-e1da-7997-bdff-ed6cf2e27b25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019d9065-e1da-7b6c-b9d6-a61b2cb7822a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019d9065-e1da-7b6c-b9d6-a61b2cb7822a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019d9065-e1da-7e8c-ac46-aa6b88074915" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019d9065-e1da-7b6c-b9d6-a61b2cb7822a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019d9065-e1da-7e8c-ac46-aa6b88074915" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OrientalInternationalBankMember_019d9065-e1da-7571-a5d5-567dcb495ee9" xlink:href="ofg-20260331.xsd#ofg_OrientalInternationalBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019d9065-e1da-7e8c-ac46-aa6b88074915" xlink:to="loc_ofg_OrientalInternationalBankMember_019d9065-e1da-7571-a5d5-567dcb495ee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OrientalOverseasMember_019d9065-e1da-7154-8f8e-4e2d7cfdedc1" xlink:href="ofg-20260331.xsd#ofg_OrientalOverseasMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019d9065-e1da-7e8c-ac46-aa6b88074915" xlink:to="loc_ofg_OrientalOverseasMember_019d9065-e1da-7154-8f8e-4e2d7cfdedc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7663-bfc4-e393324292e7" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019d9065-9b42-76bc-b093-2bb5cf346fcf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MoneyMarketFundsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019d9065-9b42-76bc-b093-2bb5cf346fcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_019d9065-e1da-7639-a3eb-347a9e68da57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsOwnedAtFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_019d9065-e1da-7639-a3eb-347a9e68da57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedInvestmentsCurrent_019d9065-e1da-756a-8c4b-e1fb4ef166f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedInvestmentsCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_us-gaap_RestrictedInvestmentsCurrent_019d9065-e1da-756a-8c4b-e1fb4ef166f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Securitizedgnmapoolsretained_019d9065-e1da-7980-af0a-7377da5c9451" xlink:href="ofg-20260331.xsd#ofg_Securitizedgnmapoolsretained"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_ofg_Securitizedgnmapoolsretained_019d9065-e1da-7980-af0a-7377da5c9451" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SecuritizedGnmaPoolYieldRetained_019d9065-e1da-7362-b0e0-d4a3b7a5789c" xlink:href="ofg-20260331.xsd#ofg_SecuritizedGnmaPoolYieldRetained"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_ofg_SecuritizedGnmaPoolYieldRetained_019d9065-e1da-7362-b0e0-d4a3b7a5789c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtSecuritiesAvailableForSaleSoldBookValue_019d9067-8782-71d8-9465-02f675f87475" xlink:href="ofg-20260331.xsd#ofg_DebtSecuritiesAvailableForSaleSoldBookValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9065-9b42-730d-9bfe-79232cc1fa2d" xlink:to="loc_ofg_DebtSecuritiesAvailableForSaleSoldBookValue_019d9067-8782-71d8-9465-02f675f87475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityAFSDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityAFSDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityAFSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-72aa-9be4-ba7fb16364a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-72aa-9be4-ba7fb16364a4" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-7572-8f22-79e78e66c2f9" xlink:href="ofg-20260331.xsd#ofg_InvestmentsTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:to="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-7572-8f22-79e78e66c2f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:href="ofg-20260331.xsd#ofg_InvestmentsTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-7572-8f22-79e78e66c2f9" xlink:to="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-7205-a8ae-6c0044c9ef5c" xlink:href="ofg-20260331.xsd#ofg_FnmaAndFhlmcMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:to="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-7205-a8ae-6c0044c9ef5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_019cd32c-c178-75f5-b7ff-62d756bbc138" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:to="loc_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_019cd32c-c178-75f5-b7ff-62d756bbc138" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_019cd32c-c178-74fb-8b5d-f8a1f4230475" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_019cd32c-c178-74fb-8b5d-f8a1f4230475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cd32c-c178-7030-816c-29cdd362b375" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cd32c-c178-7030-816c-29cdd362b375" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019cd32c-c178-743a-b2b1-a60a82b23997" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7657-8f69-d570145b34cb" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019cd32c-c178-743a-b2b1-a60a82b23997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-713b-b27e-241660787370" xlink:href="ofg-20260331.xsd#ofg_ContractualMaturitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:to="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-713b-b27e-241660787370" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:href="ofg-20260331.xsd#ofg_ContractualMaturitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-713b-b27e-241660787370" xlink:to="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DueLessThan1YearMember_019cd32c-c178-7f51-ac72-84a435a753eb" xlink:href="ofg-20260331.xsd#ofg_DueLessThan1YearMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:to="loc_ofg_DueLessThan1YearMember_019cd32c-c178-7f51-ac72-84a435a753eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DueFrom1To5YearsMember_019cd32c-c178-7083-b65d-06726fc8fc56" xlink:href="ofg-20260331.xsd#ofg_DueFrom1To5YearsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:to="loc_ofg_DueFrom1To5YearsMember_019cd32c-c178-7083-b65d-06726fc8fc56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DueFrom5To10YearsMember_019cd32c-c178-7e37-8e93-5f9899b7c75c" xlink:href="ofg-20260331.xsd#ofg_DueFrom5To10YearsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:to="loc_ofg_DueFrom5To10YearsMember_019cd32c-c178-7e37-8e93-5f9899b7c75c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DueAfter10YearsMember_019cd32c-c178-7377-aa08-5bd8c2d70120" xlink:href="ofg-20260331.xsd#ofg_DueAfter10YearsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-7020-8189-fa6ed482a8a5" xlink:to="loc_ofg_DueAfter10YearsMember_019cd32c-c178-7377-aa08-5bd8c2d70120" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76c7-9528-bce20a46e1e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76c7-9528-bce20a46e1e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-726c-99ec-b72791662823" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76c7-9528-bce20a46e1e3" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-726c-99ec-b72791662823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019cd32c-c178-75ba-bac0-2db721d93415" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-726c-99ec-b72791662823" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019cd32c-c178-75ba-bac0-2db721d93415" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesInvestmentMember_019cd32c-c178-7bcc-9c56-993f777358fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-726c-99ec-b72791662823" xlink:to="loc_us-gaap_SecuritiesInvestmentMember_019cd32c-c178-7bcc-9c56-993f777358fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-73ba-b46a-f6e7d3fab273" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7eb5-a9f3-3a5b294ea2f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7eb5-a9f3-3a5b294ea2f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cd32c-c178-735e-b0cb-9ddb1d3e1eca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cd32c-c178-735e-b0cb-9ddb1d3e1eca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cd32c-c178-760e-a697-6ee77e5802db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cd32c-c178-760e-a697-6ee77e5802db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cd32c-c178-7522-bd47-57b5bca6fa71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cd32c-c178-7522-bd47-57b5bca6fa71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWeightedAverageYield1_019cd32c-c178-7352-92e9-331640a11ef2" xlink:href="ofg-20260331.xsd#ofg_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWeightedAverageYield1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-71c7-a366-64edb19a0db6" xlink:to="loc_ofg_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWeightedAverageYield1_019cd32c-c178-7352-92e9-331640a11ef2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityHTMDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityHTMDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESInvestmentSecuritiesbyContractualMaturityHTMDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7fd5-9acc-db4935a5389d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7fd5-9acc-db4935a5389d" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-734d-bd0c-fc83bc033e78" xlink:href="ofg-20260331.xsd#ofg_InvestmentsTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:to="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-734d-bd0c-fc83bc033e78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7dd5-b062-2de0a728590b" xlink:href="ofg-20260331.xsd#ofg_InvestmentsTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeAxis_019cd32c-c178-734d-bd0c-fc83bc033e78" xlink:to="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7dd5-b062-2de0a728590b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-78f9-9341-4f14f3ff6516" xlink:href="ofg-20260331.xsd#ofg_FnmaAndFhlmcMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_InvestmentsTypeDomain_019cd32c-c178-7dd5-b062-2de0a728590b" xlink:to="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-78f9-9341-4f14f3ff6516" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-745f-a922-d28260f14007" xlink:href="ofg-20260331.xsd#ofg_ContractualMaturitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:to="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-745f-a922-d28260f14007" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-77de-90d4-dca12d6ae886" xlink:href="ofg-20260331.xsd#ofg_ContractualMaturitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesAxis_019cd32c-c178-745f-a922-d28260f14007" xlink:to="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-77de-90d4-dca12d6ae886" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DueAfter10YearsMember_019cd32c-c178-70d3-9009-2d6cfc4eeefd" xlink:href="ofg-20260331.xsd#ofg_DueAfter10YearsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ContractualMaturitiesDomain_019cd32c-c178-77de-90d4-dca12d6ae886" xlink:to="loc_ofg_DueAfter10YearsMember_019cd32c-c178-70d3-9009-2d6cfc4eeefd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7a23-8147-888c375c860f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7a23-8147-888c375c860f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7d30-800e-da7b17d87f35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7a23-8147-888c375c860f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7d30-800e-da7b17d87f35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019cd32c-c178-7724-8fbc-9d5f28e42ae9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7d30-800e-da7b17d87f35" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019cd32c-c178-7724-8fbc-9d5f28e42ae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019cd32c-c178-7eed-8e37-250232b45134" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7cea-82cd-c4479fa009bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7cea-82cd-c4479fa009bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019cd32c-c178-70f3-bc60-19b4d41ca575" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019cd32c-c178-70f3-bc60-19b4d41ca575" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019cd32c-c178-7006-822a-187ce3b6612c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019cd32c-c178-7006-822a-187ce3b6612c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c178-7b2e-8977-b8e93fa72f03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c178-7b2e-8977-b8e93fa72f03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtSecuritiesHeldToMaturityAverageYield_019cd32c-c178-7c59-ab41-3f921f4233f8" xlink:href="ofg-20260331.xsd#ofg_DebtSecuritiesHeldToMaturityAverageYield"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019cd32c-c178-7dc7-ae6f-99f0729255d1" xlink:to="loc_ofg_DebtSecuritiesHeldToMaturityAverageYield_019cd32c-c178-7c59-ab41-3f921f4233f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESSaleofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESSaleofSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESSaleofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7ad0-8b2e-4f1e3f9036bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7e95-8cc4-3c4f62b7e105" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-7ad0-8b2e-4f1e3f9036bb" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7e95-8cc4-3c4f62b7e105" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7911-9e99-06d426d77f81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7e95-8cc4-3c4f62b7e105" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7911-9e99-06d426d77f81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7bab-9c27-72561e7a1f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7911-9e99-06d426d77f81" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7bab-9c27-72561e7a1f6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cd32c-c178-7134-8108-0346f0067c0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7bab-9c27-72561e7a1f6d" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cd32c-c178-7134-8108-0346f0067c0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-7cfd-9045-4f939b503b08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7e95-8cc4-3c4f62b7e105" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-7cfd-9045-4f939b503b08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtSecuritiesAvailableForSaleSoldBookValue_019cd32c-c178-767b-ae0b-956f40eb2574" xlink:href="ofg-20260331.xsd#ofg_DebtSecuritiesAvailableForSaleSoldBookValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019cd32c-c178-7cfd-9045-4f939b503b08" xlink:to="loc_ofg_DebtSecuritiesAvailableForSaleSoldBookValue_019cd32c-c178-767b-ae0b-956f40eb2574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INVESTMENTSECURITIESUnrealizedGainsandLossesbyCategoryDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INVESTMENTSECURITIESUnrealizedGainsandLossesbyCategoryDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INVESTMENTSECURITIESUnrealizedGainsandLossesbyCategoryDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-75c1-87b4-d4e93195bd5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7937-9cb6-59c90658afcf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_019cd32c-c178-75c1-87b4-d4e93195bd5a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7937-9cb6-59c90658afcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76f0-8c37-2fd9951d5a65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7937-9cb6-59c90658afcf" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76f0-8c37-2fd9951d5a65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7692-ad99-4ba1e6ac3928" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-76f0-8c37-2fd9951d5a65" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7692-ad99-4ba1e6ac3928" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-7989-87ea-7e0af7a22f32" xlink:href="ofg-20260331.xsd#ofg_FnmaAndFhlmcMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7692-ad99-4ba1e6ac3928" xlink:to="loc_ofg_FnmaAndFhlmcMember_019cd32c-c178-7989-87ea-7e0af7a22f32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_019cd32c-c178-77b5-8cb4-0ac2afb1a2fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7692-ad99-4ba1e6ac3928" xlink:to="loc_us-gaap_GovernmentNationalMortgageAssociationCertificatesAndObligationsGNMAMember_019cd32c-c178-77b5-8cb4-0ac2afb1a2fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_019cd32c-c178-7b74-beab-a88e8ab1f863" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7692-ad99-4ba1e6ac3928" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_019cd32c-c178-7b74-beab-a88e8ab1f863" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cd32c-c178-7a18-b0ec-b6ade9d8a8f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cd32c-c178-7937-9cb6-59c90658afcf" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cd32c-c178-7a18-b0ec-b6ade9d8a8f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract_019cd32c-c178-75cc-9a1f-96ce780109e5" xlink:href="ofg-20260331.xsd#ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cd32c-c178-7a18-b0ec-b6ade9d8a8f3" xlink:to="loc_ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract_019cd32c-c178-75cc-9a1f-96ce780109e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cd32c-c178-7983-93ea-95a1efda3d52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract_019cd32c-c178-75cc-9a1f-96ce780109e5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cd32c-c178-7983-93ea-95a1efda3d52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cd32c-c178-70f8-9445-d9033109481f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract_019cd32c-c178-75cc-9a1f-96ce780109e5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cd32c-c178-70f8-9445-d9033109481f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cd32c-c178-7e86-897d-551c9ead37b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueAbstract_019cd32c-c178-75cc-9a1f-96ce780109e5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cd32c-c178-7e86-897d-551c9ead37b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019cd32c-c178-7120-ab5a-14f086b213e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cd32c-c178-7a18-b0ec-b6ade9d8a8f3" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019cd32c-c178-7120-ab5a-14f086b213e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cd32c-c178-73d9-a610-1f5dd16c2fb7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019cd32c-c178-7120-ab5a-14f086b213e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cd32c-c178-73d9-a610-1f5dd16c2fb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cd32c-c178-7d91-900e-0f5a29c7e80c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019cd32c-c178-7120-ab5a-14f086b213e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cd32c-c178-7d91-900e-0f5a29c7e80c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cd32c-c178-79a0-8990-4167de360cff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019cd32c-c178-7120-ab5a-14f086b213e8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cd32c-c178-79a0-8990-4167de360cff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7536-b4d2-90d4ee0567f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7536-b4d2-90d4ee0567f2" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019ddc9d-72ad-785c-ae57-a2e603dafe29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019ddc9d-72ad-785c-ae57-a2e603dafe29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019ddc9d-72ad-7ca4-8fdd-e57194b743bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019ddc9d-72ad-785c-ae57-a2e603dafe29" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019ddc9d-72ad-7ca4-8fdd-e57194b743bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019ddc9d-72ad-7ba0-a6fb-e943354d1df8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019ddc9d-72ad-7ca4-8fdd-e57194b743bf" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019ddc9d-72ad-7ba0-a6fb-e943354d1df8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019ddc9d-e79e-7d01-b923-4622773c4721" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019ddc9d-72ad-7ca4-8fdd-e57194b743bf" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019ddc9d-e79e-7d01-b923-4622773c4721" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MortgageAndConsumerPortfolioSegmentMember_019ddca0-0e64-7108-be4f-bed16c6930c9" xlink:href="ofg-20260331.xsd#ofg_MortgageAndConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019ddc9d-72ad-7ca4-8fdd-e57194b743bf" xlink:to="loc_ofg_MortgageAndConsumerPortfolioSegmentMember_019ddca0-0e64-7108-be4f-bed16c6930c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019ddc9d-72ad-733e-9e34-ecb910cd5cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019ddc9d-72ad-733e-9e34-ecb910cd5cd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019ddc9d-72ad-7d54-bdba-315d69aab574" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019ddc9d-72ad-733e-9e34-ecb910cd5cd8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019ddc9d-72ad-7d54-bdba-315d69aab574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialLoansHeldForSaleMember_019ddc9d-72ad-7303-a693-e621b1102702" xlink:href="ofg-20260331.xsd#ofg_CommercialLoansHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019ddc9d-72ad-7d54-bdba-315d69aab574" xlink:to="loc_ofg_CommercialLoansHeldForSaleMember_019ddc9d-72ad-7303-a693-e621b1102702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MortgageLoansGNMABuyBackOptionProgramMember_019ddc9d-962e-79c6-ba03-18a1d7b0d1f1" xlink:href="ofg-20260331.xsd#ofg_MortgageLoansGNMABuyBackOptionProgramMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019ddc9d-72ad-7d54-bdba-315d69aab574" xlink:to="loc_ofg_MortgageLoansGNMABuyBackOptionProgramMember_019ddc9d-962e-79c6-ba03-18a1d7b0d1f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019ddc9d-72ad-7285-9daf-f0c098c7bae9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_srt_StatementGeographicalAxis_019ddc9d-72ad-7285-9daf-f0c098c7bae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019ddc9d-72ad-7028-8c4e-482b632c77a5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019ddc9d-72ad-7285-9daf-f0c098c7bae9" xlink:to="loc_srt_SegmentGeographicalDomain_019ddc9d-72ad-7028-8c4e-482b632c77a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019ddc9d-72ad-7a31-a3f7-03860204c8a2" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019ddc9d-72ad-7028-8c4e-482b632c77a5" xlink:to="loc_country_PR_019ddc9d-72ad-7a31-a3f7-03860204c8a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddc9d-72ad-76b7-9b63-737b1d332953" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddc9d-72ad-76b7-9b63-737b1d332953" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddc9d-72ad-7312-8d55-a3eda9a27b7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LegalEntityTypeOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddc9d-72ad-76b7-9b63-737b1d332953" xlink:to="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddc9d-72ad-7312-8d55-a3eda9a27b7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GovernmentMember_019ddc9d-72ad-7f9d-bf43-ab954de7d419" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddc9d-72ad-7312-8d55-a3eda9a27b7c" xlink:to="loc_us-gaap_GovernmentMember_019ddc9d-72ad-7f9d-bf43-ab954de7d419" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AccruingStatusAxis_019ddc9d-bdf1-7fb4-9d48-b42da83f1968" xlink:href="ofg-20260331.xsd#ofg_AccruingStatusAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_ofg_AccruingStatusAxis_019ddc9d-bdf1-7fb4-9d48-b42da83f1968" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AccruingStatusDomain_019ddc9d-bdf1-738e-87f0-7b3840717795" xlink:href="ofg-20260331.xsd#ofg_AccruingStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_AccruingStatusAxis_019ddc9d-bdf1-7fb4-9d48-b42da83f1968" xlink:to="loc_ofg_AccruingStatusDomain_019ddc9d-bdf1-738e-87f0-7b3840717795" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_NonaccrualMember_019ddc9d-bdf1-7452-9963-8843ea2039de" xlink:href="ofg-20260331.xsd#ofg_NonaccrualMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_AccruingStatusDomain_019ddc9d-bdf1-738e-87f0-7b3840717795" xlink:to="loc_ofg_NonaccrualMember_019ddc9d-bdf1-7452-9963-8843ea2039de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019ddc9d-e79e-7192-82ec-7a35107d0c33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019ddc9d-e79e-7192-82ec-7a35107d0c33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019ddc9d-e79e-7f30-995f-dda965332087" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019ddc9d-e79e-7192-82ec-7a35107d0c33" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019ddc9d-e79e-7f30-995f-dda965332087" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UsGovernmentInsuredLoanProgramMember_019ddc9d-e79e-76ff-9f07-beeb9183e674" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UsGovernmentInsuredLoanProgramMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019ddc9d-e79e-7f30-995f-dda965332087" xlink:to="loc_us-gaap_UsGovernmentInsuredLoanProgramMember_019ddc9d-e79e-76ff-9f07-beeb9183e674" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019ddca0-5061-75f7-9247-7d1a4930e2bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019ddca0-5061-75f7-9247-7d1a4930e2bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_019ddca0-5061-7570-8aad-f8c4bf80bf71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019ddca0-5061-75f7-9247-7d1a4930e2bf" xlink:to="loc_us-gaap_ReceivableTypeDomain_019ddca0-5061-7570-8aad-f8c4bf80bf71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndFinanceReceivablesMember_019ddca0-5061-70bd-ac5e-dcc23ce27e1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndFinanceReceivablesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_019ddca0-5061-7570-8aad-f8c4bf80bf71" xlink:to="loc_us-gaap_LoansAndFinanceReceivablesMember_019ddca0-5061-70bd-ac5e-dcc23ce27e1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-7d40-86a5-0a58bf42aa97" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_NumberOfLoanPortfolioSegments_019ddc9d-51d6-78f1-a140-8101e00ad81d" xlink:href="ofg-20260331.xsd#ofg_NumberOfLoanPortfolioSegments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_ofg_NumberOfLoanPortfolioSegments_019ddc9d-51d6-78f1-a140-8101e00ad81d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019ddc9d-72ad-764a-b766-773b96c52cb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019ddc9d-72ad-764a-b766-773b96c52cb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestSale_019ddc9d-72ad-7989-90b2-1d677fc2af34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestSale_019ddc9d-72ad-7989-90b2-1d677fc2af34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_019ddc9d-72ad-7222-ac9b-45a8d3b61fc1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_019ddc9d-72ad-7222-ac9b-45a8d3b61fc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019ddc9d-72ad-7506-b7e9-ab1415651546" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019ddc9d-72ad-7506-b7e9-ab1415651546" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DelinquentAmountAtEndOfPeriodOnLoansManagedAndSecuritized_019ddc9d-962e-7137-a14d-bcddfb61142c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DelinquentAmountAtEndOfPeriodOnLoansManagedAndSecuritized"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_DelinquentAmountAtEndOfPeriodOnLoansManagedAndSecuritized_019ddc9d-962e-7137-a14d-bcddfb61142c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_019ddc9d-e79e-7e59-8d90-2606956145a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableThresholdPeriodPastDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableThresholdPeriodPastDue_019ddc9d-e79e-7e59-8d90-2606956145a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableThresholdPeriodNonaccrualStatus_019ddc9d-e79e-727b-985c-080ea5ea38dc" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableThresholdPeriodNonaccrualStatus"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_ofg_FinancingReceivableThresholdPeriodNonaccrualStatus_019ddc9d-e79e-727b-985c-080ea5ea38dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestModified_019ddc9e-103b-7b6a-bf23-29af566899ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAccruedInterestModified"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestModified_019ddc9e-103b-7b6a-bf23-29af566899ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_019ddc9e-103b-7442-87b5-f80fb10c8737" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_019ddc9e-103b-7442-87b5-f80fb10c8737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019ddc9e-7e1b-7c2b-a282-263a0f80afe2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019ddc9e-7e1b-7c2b-a282-263a0f80afe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_019ddc9e-96dc-7418-bd57-9ae719f09c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_019ddc9e-96dc-7418-bd57-9ae719f09c3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019ddc9e-c9fb-78e1-9e95-4784dcbff7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019ddc9e-c9fb-78e1-9e95-4784dcbff7ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019ddca0-5061-7209-9bcf-ff053e141465" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_us-gaap_InterestReceivable_019ddca0-5061-7209-9bcf-ff053e141465" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableExcludingAccruedInterestNonaccrualHeldForSale_019de0e9-862b-7f9f-90b2-4a91b07820df" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableExcludingAccruedInterestNonaccrualHeldForSale"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019ddc9d-51d6-7243-b1f9-1cd878c34570" xlink:to="loc_ofg_FinancingReceivableExcludingAccruedInterestNonaccrualHeldForSale_019de0e9-862b-7f9f-90b2-4a91b07820df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSCompositionofLoanPortfolioDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSCompositionofLoanPortfolioDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSCompositionofLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-757a-99d2-49e0738f87bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-757a-99d2-49e0738f87bf" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7c60-abff-49eddbe00e2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7c60-abff-49eddbe00e2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7c60-abff-49eddbe00e2c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-79bf-9faa-7aea6eca7707" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-79bf-9faa-7aea6eca7707" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-71a0-b397-6c0f5db30e5b" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-71a0-b397-6c0f5db30e5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoanMember_019cd32c-c178-7a3b-9983-a5f4de49e1f9" xlink:href="ofg-20260331.xsd#ofg_PersonalLoanMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_ofg_PersonalLoanMember_019cd32c-c178-7a3b-9983-a5f4de49e1f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CreditLinesMember_019cd32c-c178-7274-84d6-ab7cb64b3792" xlink:href="ofg-20260331.xsd#ofg_CreditLinesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_ofg_CreditLinesMember_019cd32c-c178-7274-84d6-ab7cb64b3792" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7ab0-ad6e-8546490b38fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditCardReceivablesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7ab0-ad6e-8546490b38fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-7421-92ed-4494274eb4cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOverdraftsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7f6b-9b62-1149af945cd4" xlink:to="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-7421-92ed-4494274eb4cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7c12-b40a-4bc9c17d7f05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7c12-b40a-4bc9c17d7f05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-77fb-9d69-5926b921a27c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7c12-b40a-4bc9c17d7f05" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-77fb-9d69-5926b921a27c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7fb0-83ad-eec00f2b3453" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-77fb-9d69-5926b921a27c" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7fb0-83ad-eec00f2b3453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-79de-9897-17b245718ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-77fb-9d69-5926b921a27c" xlink:to="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-79de-9897-17b245718ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7552-a4fb-a00b149af355" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7552-a4fb-a00b149af355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7552-a4fb-a00b149af355" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7efb-923f-eb2e39260421" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7efb-923f-eb2e39260421" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7848-b933-d8d262557c72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7848-b933-d8d262557c72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7075-964d-57cab61ce243" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7075-964d-57cab61ce243" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7c91-9840-936758362b69" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-741f-b6f6-f566a3d5bf57" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7c91-9840-936758362b69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-743c-a232-c423cf21547f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-743c-a232-c423cf21547f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7ac5-833c-238d35342fe3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-743c-a232-c423cf21547f" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7ac5-833c-238d35342fe3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7d4f-a5b6-1c007078129d" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7ac5-833c-238d35342fe3" xlink:to="loc_country_PR_019cd32c-c178-7d4f-a5b6-1c007078129d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-7568-9cab-45d6abfce737" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7ac5-833c-238d35342fe3" xlink:to="loc_country_US_019cd32c-c178-7568-9cab-45d6abfce737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-74a1-b56a-f5bf1994acfc" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-79a6-9438-e44f4f3cd713" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-79a6-9438-e44f4f3cd713" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7f58-8406-8e1c1eefb8e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7f58-8406-8e1c1eefb8e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c178-754f-bee6-155b1032d97f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cd32c-c178-754f-bee6-155b1032d97f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019cd32c-c178-761d-b420-6facfa870d4b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019cd32c-c178-761d-b420-6facfa870d4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount_019cd32c-c178-7be5-ae3f-f8d0b25e9586" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-733c-b148-27aa50dbc154" xlink:to="loc_us-gaap_FinancingReceivableCoveredAndNotCoveredAfterAllowanceForCreditLossFeePremiumAndDiscount_019cd32c-c178-7be5-ae3f-f8d0b25e9586" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSAgingofRecordedInvestmentinGrossLoansDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSAgingofRecordedInvestmentinGrossLoansDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSAgingofRecordedInvestmentinGrossLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-70aa-8370-24306d109356" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-70aa-8370-24306d109356" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-7d3f-bc7f-e2585e5ec51a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-7d3f-bc7f-e2585e5ec51a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-72d5-83ef-6e726c198143" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-7d3f-bc7f-e2585e5ec51a" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-72d5-83ef-6e726c198143" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7083-a1ea-85aff0365a36" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-72d5-83ef-6e726c198143" xlink:to="loc_country_PR_019cd32c-c178-7083-a1ea-85aff0365a36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-759b-8866-5aa2c1af0018" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-72d5-83ef-6e726c198143" xlink:to="loc_country_US_019cd32c-c178-759b-8866-5aa2c1af0018" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-77c7-9345-3e698fd9c080" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-77c7-9345-3e698fd9c080" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-77c7-9345-3e698fd9c080" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7fed-987f-9759344696e8" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7fed-987f-9759344696e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialIncludingPppLoansMember_019cd32c-c178-7c0c-8c87-f1a418f4dd91" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialIncludingPppLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_ofg_OtherCommercialAndIndustrialIncludingPppLoansMember_019cd32c-c178-7c0c-8c87-f1a418f4dd91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoanMember_019cd32c-c178-7cde-b5c6-f4cddbbc5636" xlink:href="ofg-20260331.xsd#ofg_PersonalLoanMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_ofg_PersonalLoanMember_019cd32c-c178-7cde-b5c6-f4cddbbc5636" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CreditLinesMember_019cd32c-c178-79cc-adbf-603196fbd944" xlink:href="ofg-20260331.xsd#ofg_CreditLinesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_ofg_CreditLinesMember_019cd32c-c178-79cc-adbf-603196fbd944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7026-8f09-5897c4d09b58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditCardReceivablesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7026-8f09-5897c4d09b58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-749e-8d1d-769c97ddb1c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOverdraftsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7589-abcc-ad83c4241bfc" xlink:to="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-749e-8d1d-769c97ddb1c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-78c0-9c31-27eb7ec7f0ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-78c0-9c31-27eb7ec7f0ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7efd-915b-077b5af13d72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-78c0-9c31-27eb7ec7f0ab" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7efd-915b-077b5af13d72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7a51-83e2-3172d1d74ed1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7efd-915b-077b5af13d72" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7a51-83e2-3172d1d74ed1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7173-8f0d-2617fbcb5b66" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7173-8f0d-2617fbcb5b66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7173-8f0d-2617fbcb5b66" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7eae-8325-2c17e8ce554a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7eae-8325-2c17e8ce554a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7ea2-9f85-f13374a5728c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7ea2-9f85-f13374a5728c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7324-ad8e-4eccbd709feb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7324-ad8e-4eccbd709feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-764e-b519-be2203237981" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7a4d-9d2d-5fa3ca745bc2" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-764e-b519-be2203237981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-76be-88c3-fe1a09881224" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-76be-88c3-fe1a09881224" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7d03-ad19-17b6c7102048" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-76be-88c3-fe1a09881224" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7d03-ad19-17b6c7102048" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7e06-b815-78c2481bfa92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7d03-ad19-17b6c7102048" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7e06-b815-78c2481bfa92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cd32c-c178-7576-b9a1-60a9df68d1b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7e06-b815-78c2481bfa92" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cd32c-c178-7576-b9a1-60a9df68d1b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cd32c-c178-7078-8f17-d31e2a8bdc8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7e06-b815-78c2481bfa92" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cd32c-c178-7078-8f17-d31e2a8bdc8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cd32c-c178-7474-9ec7-463972626a57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7e06-b815-78c2481bfa92" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cd32c-c178-7474-9ec7-463972626a57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c178-7f99-8810-8b09a04170ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7d03-ad19-17b6c7102048" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c178-7f99-8810-8b09a04170ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cd32c-c178-730f-ba28-aafc30b2847f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cd32c-c178-76d0-ad31-1aa6a7d28943" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cd32c-c178-730f-ba28-aafc30b2847f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-713b-97ef-69d637204fed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cd32c-c178-730f-ba28-aafc30b2847f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-713b-97ef-69d637204fed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_019cd32c-c178-7010-a694-02cfbfe32f90" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cd32c-c178-730f-ba28-aafc30b2847f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_019cd32c-c178-7010-a694-02cfbfe32f90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSInvestmentinLoansonNonAccrualStatusDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSInvestmentinLoansonNonAccrualStatusDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSInvestmentinLoansonNonAccrualStatusDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-71fe-968e-16803de895f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableNonaccrualTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-71fe-968e-16803de895f1" xlink:to="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-70d7-b30b-df51fef581b5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-70d7-b30b-df51fef581b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70ab-b65d-5bbd0ceba24d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-70d7-b30b-df51fef581b5" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70ab-b65d-5bbd0ceba24d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7831-9670-a2d482e53c91" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70ab-b65d-5bbd0ceba24d" xlink:to="loc_country_PR_019cd32c-c178-7831-9670-a2d482e53c91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-7a08-a783-ede9d8f2519b" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70ab-b65d-5bbd0ceba24d" xlink:to="loc_country_US_019cd32c-c178-7a08-a783-ede9d8f2519b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e81-b14f-4a9ee162b4bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e81-b14f-4a9ee162b4bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-703f-bd24-740d4084fff7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e81-b14f-4a9ee162b4bc" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-703f-bd24-740d4084fff7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7c7e-b66b-bebc9f5ee9b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-703f-bd24-740d4084fff7" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7c7e-b66b-bebc9f5ee9b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-7a49-b45b-50273e3ae8a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-703f-bd24-740d4084fff7" xlink:to="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-7a49-b45b-50273e3ae8a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-72ab-9c7c-d8416436f79c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-72ab-9c7c-d8416436f79c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-72ab-9c7c-d8416436f79c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7a09-ba09-3becdb061a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7a09-ba09-3becdb061a7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7d92-928c-78055f4ec8bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7d92-928c-78055f4ec8bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7693-81a4-937c6051438f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7693-81a4-937c6051438f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-77dd-9fb5-8d16d49ce74b" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-79af-89a9-6839ebe3fdc9" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-77dd-9fb5-8d16d49ce74b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adb-a6bc-c329184de970" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adb-a6bc-c329184de970" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adb-a6bc-c329184de970" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7290-9b58-6fe5cc6f6c0b" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7290-9b58-6fe5cc6f6c0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7c18-8bd1-ed27b1b797f5" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7c18-8bd1-ed27b1b797f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoansMember_019cd32c-c178-78af-adec-151fc2e327d9" xlink:href="ofg-20260331.xsd#ofg_PersonalLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:to="loc_ofg_PersonalLoansMember_019cd32c-c178-78af-adec-151fc2e327d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CreditLinesMember_019cd32c-c178-7217-86bc-165b68b53da2" xlink:href="ofg-20260331.xsd#ofg_CreditLinesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:to="loc_ofg_CreditLinesMember_019cd32c-c178-7217-86bc-165b68b53da2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7c08-a172-0d1b81695fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditCardReceivablesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74b2-a254-eed700e12eb0" xlink:to="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7c08-a172-0d1b81695fbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualStatusLineItems_019cd32c-c178-79a4-8f11-488967e8563e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableNonaccrualStatusLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualTable_019cd32c-c178-7356-ac51-c934544382ea" xlink:to="loc_us-gaap_FinancingReceivableNonaccrualStatusLineItems_019cd32c-c178-79a4-8f11-488967e8563e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableExcludingAccruedInterestReceivableNonaccrualWithAllowance_019cd32c-c178-7e67-b6a6-d1dfb598436e" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableExcludingAccruedInterestReceivableNonaccrualWithAllowance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualStatusLineItems_019cd32c-c178-79a4-8f11-488967e8563e" xlink:to="loc_ofg_FinancingReceivableExcludingAccruedInterestReceivableNonaccrualWithAllowance_019cd32c-c178-7e67-b6a6-d1dfb598436e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_019cd32c-c178-73a2-bf82-ef42d6dc06b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualStatusLineItems_019cd32c-c178-79a4-8f11-488967e8563e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_019cd32c-c178-73a2-bf82-ef42d6dc06b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019cd32c-c178-7eea-9716-fdee7d28a94e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualStatusLineItems_019cd32c-c178-79a4-8f11-488967e8563e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_019cd32c-c178-7eea-9716-fdee7d28a94e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSTroubledAmortizedCostBasisDebtRestructuringLoanPortfolioDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSTroubledAmortizedCostBasisDebtRestructuringLoanPortfolioDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSTroubledAmortizedCostBasisDebtRestructuringLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-73eb-8ca4-ac09c664eab5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-73eb-8ca4-ac09c664eab5" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-70c9-b67f-c19d7df5db72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-70c9-b67f-c19d7df5db72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-70c9-b67f-c19d7df5db72" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-71b2-ad58-ecdae40960cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-71b2-ad58-ecdae40960cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7915-8a21-416d7f7b917c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7915-8a21-416d7f7b917c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7335-a0d6-6955bc851d49" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7335-a0d6-6955bc851d49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-70f1-b11a-d89854d11676" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7725-ba1e-8ed654462b25" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-70f1-b11a-d89854d11676" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-70fa-931a-1019f88c0c98" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-70fa-931a-1019f88c0c98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-70fa-931a-1019f88c0c98" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7f90-920c-0edf48ea1e73" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7f90-920c-0edf48ea1e73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7bdb-8e84-930e8f8f8918" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7bdb-8e84-930e8f8f8918" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UsLoanProgramMember_019cd32c-c178-7e59-a5bb-5a80302e32a4" xlink:href="ofg-20260331.xsd#ofg_UsLoanProgramMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:to="loc_ofg_UsLoanProgramMember_019cd32c-c178-7e59-a5bb-5a80302e32a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoanMember_019cd32c-c178-754d-87eb-23c0fcbaffb4" xlink:href="ofg-20260331.xsd#ofg_PersonalLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fc6-b0bf-b488002ee7f0" xlink:to="loc_ofg_PersonalLoanMember_019cd32c-c178-754d-87eb-23c0fcbaffb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-7ced-9cbe-f1eb5557bc64" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-7ced-9cbe-f1eb5557bc64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-720b-ba20-8ec47b35c683" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-7ced-9cbe-f1eb5557bc64" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-720b-ba20-8ec47b35c683" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7de1-8b7d-d789a0ba5d28" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-720b-ba20-8ec47b35c683" xlink:to="loc_country_PR_019cd32c-c178-7de1-8b7d-d789a0ba5d28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-7adb-ba9d-dc3e78089752" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-720b-ba20-8ec47b35c683" xlink:to="loc_country_US_019cd32c-c178-7adb-ba9d-dc3e78089752" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-73ea-bf0f-86aef90617a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-73ea-bf0f-86aef90617a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-73ea-bf0f-86aef90617a7" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_019cd32c-c178-783d-accb-fadd96689a94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:to="loc_us-gaap_ExtendedMaturityMember_019cd32c-c178-783d-accb-fadd96689a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PrincipalForbearanceAndPrincipalForgivenessMember_019cd32c-c178-7d7f-b1e4-b5fe195a0a2d" xlink:href="ofg-20260331.xsd#ofg_PrincipalForbearanceAndPrincipalForgivenessMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:to="loc_ofg_PrincipalForbearanceAndPrincipalForgivenessMember_019cd32c-c178-7d7f-b1e4-b5fe195a0a2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019cd32c-c178-7c48-8ba5-ad0f95cb92df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019cd32c-c178-7c48-8ba5-ad0f95cb92df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExtendedMaturityAndPrincipalForgivenessForbearanceMember_019dfa5d-0a62-7eae-81b5-551d0b44e10e" xlink:href="ofg-20260331.xsd#ofg_ExtendedMaturityAndPrincipalForgivenessForbearanceMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:to="loc_ofg_ExtendedMaturityAndPrincipalForgivenessForbearanceMember_019dfa5d-0a62-7eae-81b5-551d0b44e10e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExtendedMaturityInterestRateReductionPrincipalForgivenessAndPrincipalForbearanceMember_019cd32c-c178-712e-81ad-a3e89f5c62c2" xlink:href="ofg-20260331.xsd#ofg_ExtendedMaturityInterestRateReductionPrincipalForgivenessAndPrincipalForbearanceMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7e94-8b3b-51652d1c1175" xlink:to="loc_ofg_ExtendedMaturityInterestRateReductionPrincipalForgivenessAndPrincipalForbearanceMember_019cd32c-c178-712e-81ad-a3e89f5c62c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-791c-ab42-7e4781ba2870" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-71ef-b8d3-518e11e26020" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-791c-ab42-7e4781ba2870" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019cd32c-c178-7abb-9326-fca749e029d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-791c-ab42-7e4781ba2870" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019cd32c-c178-7abb-9326-fca749e029d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019cd32c-c178-7728-a6d3-6060af5eb2f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-791c-ab42-7e4781ba2870" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019cd32c-c178-7728-a6d3-6060af5eb2f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSEffectofCombinedModificationsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSEffectofCombinedModificationsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSEffectofCombinedModificationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-712e-8da5-fc5d31c75a55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7667-ada8-d42918a2e2cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-712e-8da5-fc5d31c75a55" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7667-ada8-d42918a2e2cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7e3f-baf2-18cf0707e0de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7667-ada8-d42918a2e2cd" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7e3f-baf2-18cf0707e0de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7e3f-baf2-18cf0707e0de" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-78c7-af00-2b86dc40ee33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-78c7-af00-2b86dc40ee33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-775d-a97b-2caf9ed31ac9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-775d-a97b-2caf9ed31ac9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7fa9-8f0f-287290c5c5f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7fa9-8f0f-287290c5c5f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-704b-9c84-3625bc38682b" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7240-8d3b-91167b806abb" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-704b-9c84-3625bc38682b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-72dc-b5d1-51c17cdbd468" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7667-ada8-d42918a2e2cd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-72dc-b5d1-51c17cdbd468" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-72dc-b5d1-51c17cdbd468" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7c45-9adf-d84c2ee2fd5b" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7c45-9adf-d84c2ee2fd5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7038-814c-0aae76b5dfb8" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7038-814c-0aae76b5dfb8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UsLoanProgramMember_019cd32c-c178-7a70-b230-69ea0805139d" xlink:href="ofg-20260331.xsd#ofg_UsLoanProgramMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:to="loc_ofg_UsLoanProgramMember_019cd32c-c178-7a70-b230-69ea0805139d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoanMember_019cd32c-c178-79d7-9188-08a483ab4b1c" xlink:href="ofg-20260331.xsd#ofg_PersonalLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7035-99b2-a57909a3fa99" xlink:to="loc_ofg_PersonalLoanMember_019cd32c-c178-79d7-9188-08a483ab4b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-799f-96b0-be01d19367b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7667-ada8-d42918a2e2cd" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-799f-96b0-be01d19367b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_019cd32c-c178-7840-a712-32869e03661a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-799f-96b0-be01d19367b9" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_019cd32c-c178-7840-a712-32869e03661a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_019cd32c-c178-77d6-97a5-dcfe52f5dd4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-799f-96b0-be01d19367b9" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_019cd32c-c178-77d6-97a5-dcfe52f5dd4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableModifiedIncreaseDecreaseInPrincipalForbearanceAndPrincipalForgivenessAmountFromModification_019cd32c-c178-75a4-9409-920e0b41294d" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableModifiedIncreaseDecreaseInPrincipalForbearanceAndPrincipalForgivenessAmountFromModification"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-799f-96b0-be01d19367b9" xlink:to="loc_ofg_FinancingReceivableModifiedIncreaseDecreaseInPrincipalForbearanceAndPrincipalForgivenessAmountFromModification_019cd32c-c178-75a4-9409-920e0b41294d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSLoansHeldForInvestmentThatSubsequentlyDefaultedDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSLoansHeldForInvestmentThatSubsequentlyDefaultedDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSLoansHeldForInvestmentThatSubsequentlyDefaultedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-793c-8747-012d78d96f6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7f2f-8960-f57dca208de4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-793c-8747-012d78d96f6a" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7f2f-8960-f57dca208de4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7947-b216-e2dc3dcb30ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7f2f-8960-f57dca208de4" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7947-b216-e2dc3dcb30ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7fd2-bafd-d590e110c5b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7947-b216-e2dc3dcb30ae" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7fd2-bafd-d590e110c5b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialLoanMember_019d908d-dd46-7a30-80ca-5be14ab4a777" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7fd2-bafd-d590e110c5b0" xlink:to="loc_us-gaap_CommercialLoanMember_019d908d-dd46-7a30-80ca-5be14ab4a777" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7730-ab5e-26663f197219" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7fd2-bafd-d590e110c5b0" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7730-ab5e-26663f197219" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-78b2-941e-45f689fc3a59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7f2f-8960-f57dca208de4" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-78b2-941e-45f689fc3a59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_019cd32c-c178-78b2-941e-45f689fc3a59" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_019cd32c-c178-705e-92dd-18b5f7383f28" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:to="loc_us-gaap_ExtendedMaturityMember_019cd32c-c178-705e-92dd-18b5f7383f28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PrincipalForbearanceAndPrincipalForgivenessMember_019d908d-dd46-7965-bc1e-48eff5c354f5" xlink:href="ofg-20260331.xsd#ofg_PrincipalForbearanceAndPrincipalForgivenessMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:to="loc_ofg_PrincipalForbearanceAndPrincipalForgivenessMember_019d908d-dd46-7965-bc1e-48eff5c354f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019cd32c-c178-7d50-99d3-e98e98c72b6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019cd32c-c178-7d50-99d3-e98e98c72b6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CombinationOfRateReductionForbearanceMember_019d94ce-28f3-7318-9acb-4f6c19b5dba2" xlink:href="ofg-20260331.xsd#ofg_CombinationOfRateReductionForbearanceMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019cd32c-c178-7584-85a9-58c8957f3738" xlink:to="loc_ofg_CombinationOfRateReductionForbearanceMember_019d94ce-28f3-7318-9acb-4f6c19b5dba2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-713b-8888-ffda164a99de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7f2f-8960-f57dca208de4" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-713b-8888-ffda164a99de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_019cd32c-c178-7fd2-bbdb-d554a9911746" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-713b-8888-ffda164a99de" xlink:to="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_019cd32c-c178-7fd2-bbdb-d554a9911746" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSAgingofLoansHeldForInvestmentDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSAgingofLoansHeldForInvestmentDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSAgingofLoansHeldForInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-74f3-b3c6-30a7f0b1a00b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-74f3-b3c6-30a7f0b1a00b" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-7084-b2c9-7cbbefc77f29" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-7084-b2c9-7cbbefc77f29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70b6-ac24-257a3f7697fa" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-7084-b2c9-7cbbefc77f29" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70b6-ac24-257a3f7697fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7b4a-bca4-e0ec102e5fae" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70b6-ac24-257a3f7697fa" xlink:to="loc_country_PR_019cd32c-c178-7b4a-bca4-e0ec102e5fae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-7728-bca3-e04e5e2bb093" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-70b6-ac24-257a3f7697fa" xlink:to="loc_country_US_019cd32c-c178-7728-bca3-e04e5e2bb093" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-79d0-bab7-77f32c156836" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-79d0-bab7-77f32c156836" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-79d0-bab7-77f32c156836" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7732-9978-3c64c4fc7423" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7732-9978-3c64c4fc7423" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7a43-b7ce-dbe6c8c1ef59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-7a43-b7ce-dbe6c8c1ef59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-780b-a537-a62844c9e54a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-780b-a537-a62844c9e54a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7dab-9626-90fe0b324a78" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-77ad-81cc-4512b392e4fb" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7dab-9626-90fe0b324a78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-721f-9c43-9da32379e899" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-721f-9c43-9da32379e899" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-721f-9c43-9da32379e899" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-76bc-9832-38dc7b192b78" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-76bc-9832-38dc7b192b78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7296-87ba-8ef8f8f3a5c0" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019cd32c-c178-7296-87ba-8ef8f8f3a5c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialPRMember_019cd32c-c178-756d-971b-b9674a2a9f09" xlink:href="ofg-20260331.xsd#ofg_CommercialPRMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:to="loc_ofg_CommercialPRMember_019cd32c-c178-756d-971b-b9674a2a9f09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UsLoanProgramMember_019cd32c-c178-7ac2-8f1d-2151638e2f75" xlink:href="ofg-20260331.xsd#ofg_UsLoanProgramMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:to="loc_ofg_UsLoanProgramMember_019cd32c-c178-7ac2-8f1d-2151638e2f75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoanMember_019cd32c-c178-7766-ae9f-8e0af836ee32" xlink:href="ofg-20260331.xsd#ofg_PersonalLoanMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-74ef-9760-91c929eb6080" xlink:to="loc_ofg_PersonalLoanMember_019cd32c-c178-7766-ae9f-8e0af836ee32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-7234-9af4-8485cafe7ec6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-7234-9af4-8485cafe7ec6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7b59-ae48-295915d543b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c178-7234-9af4-8485cafe7ec6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7b59-ae48-295915d543b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7f8f-a4c9-a89302e5aef1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7b59-ae48-295915d543b8" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7f8f-a4c9-a89302e5aef1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cd32c-c178-79ab-ac9f-64d96afa6619" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7f8f-a4c9-a89302e5aef1" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cd32c-c178-79ab-ac9f-64d96afa6619" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cd32c-c178-7b7e-bd3f-1725452b686c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7f8f-a4c9-a89302e5aef1" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cd32c-c178-7b7e-bd3f-1725452b686c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cd32c-c178-7d68-9c92-519ffcfc343f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cd32c-c178-7f8f-a4c9-a89302e5aef1" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cd32c-c178-7d68-9c92-519ffcfc343f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c178-7db2-ae34-f0c919266c84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c178-7b59-ae48-295915d543b8" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c178-7db2-ae34-f0c919266c84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-7f87-83d4-3a5cda12ffba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019cd32c-c178-7ee3-96b9-352ce5a9a8fe" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-7f87-83d4-3a5cda12ffba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_019cd32c-c178-76f6-9ebb-2c655e290d76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019cd32c-c178-7f87-83d4-3a5cda12ffba" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_019cd32c-c178-76f6-9ebb-2c655e290d76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSAgingoftheAmortizedCostofCollateralDependentLoansHeldForInvestmentDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSAgingoftheAmortizedCostofCollateralDependentLoansHeldForInvestmentDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSAgingoftheAmortizedCostofCollateralDependentLoansHeldForInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-706c-a3a6-281d429bb330" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-706c-a3a6-281d429bb330" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7b7b-abb2-c921b956cda8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7b7b-abb2-c921b956cda8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-794e-a4dc-7c6e877eb0c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7b7b-abb2-c921b956cda8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-794e-a4dc-7c6e877eb0c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7ded-913d-03250c908be1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-794e-a4dc-7c6e877eb0c0" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7ded-913d-03250c908be1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7051-ac5e-b9d95b075971" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7051-ac5e-b9d95b075971" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fd3-b608-c260ac66c510" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7051-ac5e-b9d95b075971" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fd3-b608-c260ac66c510" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7b7c-b1b1-1cb2e2b61c4f" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fd3-b608-c260ac66c510" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-7b7c-b1b1-1cb2e2b61c4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialMember_019daa26-2a28-7023-ade0-72d9192f47b5" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-7fd3-b608-c260ac66c510" xlink:to="loc_ofg_OtherCommercialAndIndustrialMember_019daa26-2a28-7023-ade0-72d9192f47b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_019cd32c-c178-7681-99e0-9a77fe683728" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:to="loc_us-gaap_CollateralAxis_019cd32c-c178-7681-99e0-9a77fe683728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_019cd32c-c178-7dda-b8a3-664b0c8c2e25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_019cd32c-c178-7681-99e0-9a77fe683728" xlink:to="loc_us-gaap_CollateralDomain_019cd32c-c178-7dda-b8a3-664b0c8c2e25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateMember_019cd32c-c178-775f-a925-9629798d98cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_019cd32c-c178-7dda-b8a3-664b0c8c2e25" xlink:to="loc_us-gaap_RealEstateMember_019cd32c-c178-775f-a925-9629798d98cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-7468-8500-7da5223606df" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-7468-8500-7da5223606df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7541-b505-19a1ddd66a0d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-7468-8500-7da5223606df" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7541-b505-19a1ddd66a0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-7065-9f98-4b45d54a339c" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-7541-b505-19a1ddd66a0d" xlink:to="loc_country_PR_019cd32c-c178-7065-9f98-4b45d54a339c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-78ea-8089-ea35414a9b11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c178-772d-93e8-67102732a7f3" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-78ea-8089-ea35414a9b11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AmortizedCostOfCollateralDependentLoansHeldForInvestmentExcludingAccruedInterestReceivable_019cd32c-c178-75e4-b04e-ee541e83609c" xlink:href="ofg-20260331.xsd#ofg_AmortizedCostOfCollateralDependentLoansHeldForInvestmentExcludingAccruedInterestReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c178-78ea-8089-ea35414a9b11" xlink:to="loc_ofg_AmortizedCostOfCollateralDependentLoansHeldForInvestmentExcludingAccruedInterestReceivable_019cd32c-c178-75e4-b04e-ee541e83609c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/LOANSCreditQualityIndicatorsofLoansDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#LOANSCreditQualityIndicatorsofLoansDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/LOANSCreditQualityIndicatorsofLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7ebf-afbe-402b085f061d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_019cd32c-c178-7ebf-afbe-402b085f061d" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cd32c-c178-7435-9457-281e77469bb1" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_srt_StatementGeographicalAxis_019cd32c-c178-7435-9457-281e77469bb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cd32c-c178-74f0-b6ce-88ecd1e2b818" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019cd32c-c178-7435-9457-281e77469bb1" xlink:to="loc_srt_SegmentGeographicalDomain_019cd32c-c178-74f0-b6ce-88ecd1e2b818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019cd32c-c178-72bd-913f-7d955fb6aa33" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-74f0-b6ce-88ecd1e2b818" xlink:to="loc_country_PR_019cd32c-c178-72bd-913f-7d955fb6aa33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_US_019cd32c-c178-76af-9dff-60c2992452df" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_US"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019cd32c-c178-74f0-b6ce-88ecd1e2b818" xlink:to="loc_country_US_019cd32c-c178-76af-9dff-60c2992452df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e04-a3b6-d367b7147f31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e04-a3b6-d367b7147f31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7ec3-bcdd-4b23476c3027" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7e04-a3b6-d367b7147f31" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7ec3-bcdd-4b23476c3027" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7b5e-a896-3f8e793f01be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-7ec3-bcdd-4b23476c3027" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7b5e-a896-3f8e793f01be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7593-8dfb-e4472453821c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7593-8dfb-e4472453821c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7593-8dfb-e4472453821c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-741c-b295-7f27feb93cea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-741c-b295-7f27feb93cea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-73d5-85bf-57f98f7d4b96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-73d5-85bf-57f98f7d4b96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7104-867c-89294c37b672" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-7104-867c-89294c37b672" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MortgageAndConsumerPortfolioSegmentMember_019cd32c-c178-70f0-94ea-927f6d4e1564" xlink:href="ofg-20260331.xsd#ofg_MortgageAndConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:to="loc_ofg_MortgageAndConsumerPortfolioSegmentMember_019cd32c-c178-70f0-94ea-927f6d4e1564" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7296-ae65-22ba7368a351" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-764a-a596-a876436c5440" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7296-ae65-22ba7368a351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adc-ac00-7a0105cbdddb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adc-ac00-7a0105cbdddb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c178-7adc-ac00-7a0105cbdddb" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-71a0-99cb-010527e181f8" xlink:href="ofg-20260331.xsd#ofg_CommercialSecuredByRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_ofg_CommercialSecuredByRealEstateMember_019cd32c-c178-71a0-99cb-010527e181f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherCommercialAndIndustrialIncludingPppLoansMember_019cd32c-c178-712f-9bdb-b22083ecd449" xlink:href="ofg-20260331.xsd#ofg_OtherCommercialAndIndustrialIncludingPppLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_ofg_OtherCommercialAndIndustrialIncludingPppLoansMember_019cd32c-c178-712f-9bdb-b22083ecd449" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UsLoanProgramMember_019cd32c-c178-7512-8817-e4be1e62a210" xlink:href="ofg-20260331.xsd#ofg_UsLoanProgramMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_ofg_UsLoanProgramMember_019cd32c-c178-7512-8817-e4be1e62a210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PersonalLoansMember_019cd32c-c178-71eb-be3b-ceb5cb8da745" xlink:href="ofg-20260331.xsd#ofg_PersonalLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_ofg_PersonalLoansMember_019cd32c-c178-71eb-be3b-ceb5cb8da745" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CreditLinesMember_019cd32c-c178-7a91-8e85-cbcb00b5a127" xlink:href="ofg-20260331.xsd#ofg_CreditLinesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_ofg_CreditLinesMember_019cd32c-c178-7a91-8e85-cbcb00b5a127" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7586-bdc1-740574c08c55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditCardReceivablesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_us-gaap_CreditCardReceivablesMember_019cd32c-c178-7586-bdc1-740574c08c55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-7cb6-94e0-96ae70076e6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOverdraftsMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c178-73a0-b0a2-82ffc20e8335" xlink:to="loc_us-gaap_BankOverdraftsMember_019cd32c-c178-7cb6-94e0-96ae70076e6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_019cd32c-c178-7f98-b13b-41e2aa153743" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_019cd32c-c178-7f98-b13b-41e2aa153743" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019cd32c-c178-7f98-b13b-41e2aa153743" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_019cd32c-c178-7dbd-9403-95cc3db69c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PassMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:to="loc_us-gaap_PassMember_019cd32c-c178-7dbd-9403-95cc3db69c6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_019cd32c-c178-736f-b476-eb77a91481bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SpecialMentionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:to="loc_us-gaap_SpecialMentionMember_019cd32c-c178-736f-b476-eb77a91481bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_019cd32c-c178-7838-9e2f-f4a2e2bd7d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubstandardMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:to="loc_us-gaap_SubstandardMember_019cd32c-c178-7838-9e2f-f4a2e2bd7d3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_019cd32c-c178-7e8a-b633-da64868a79e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DoubtfulMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:to="loc_us-gaap_DoubtfulMember_019cd32c-c178-7e8a-b633-da64868a79e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnlikelyToBeCollectedFinancingReceivableMember_019cd32c-c178-7b66-be11-f075965e8f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnlikelyToBeCollectedFinancingReceivableMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019cd32c-c178-7294-8756-6362c3bfc51a" xlink:to="loc_us-gaap_UnlikelyToBeCollectedFinancingReceivableMember_019cd32c-c178-7b66-be11-f075965e8f0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_019cd32c-c178-79a4-b6b3-a4fc17f1d973" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentPerformanceStatusAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_019cd32c-c178-79a4-b6b3-a4fc17f1d973" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_019cd32c-c178-75eb-a0e9-c908feaf69ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_019cd32c-c178-79a4-b6b3-a4fc17f1d973" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_019cd32c-c178-75eb-a0e9-c908feaf69ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformingFinancingReceivableMember_019cd32c-c178-75e7-92c8-09cb3fbf590a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PerformingFinancingReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_019cd32c-c178-75eb-a0e9-c908feaf69ab" xlink:to="loc_us-gaap_PerformingFinancingReceivableMember_019cd32c-c178-75e7-92c8-09cb3fbf590a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_019cd32c-c178-7adb-92a0-b9f08c1ac7d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_019cd32c-c178-75eb-a0e9-c908feaf69ab" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_019cd32c-c178-7adb-92a0-b9f08c1ac7d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_019cd32c-c178-7e4d-b59f-694eaa23283b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_CreditScoreFicoAxis_019cd32c-c178-7e4d-b59f-694eaa23283b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoAxis_019cd32c-c178-7e4d-b59f-694eaa23283b" xlink:to="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FicoScore1To660Member_019cd32c-c178-7693-9bf7-f3e178666fa8" xlink:href="ofg-20260331.xsd#ofg_FicoScore1To660Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:to="loc_ofg_FicoScore1To660Member_019cd32c-c178-7693-9bf7-f3e178666fa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FicoScore661To699Member_019cd32c-c178-76ea-a742-c1c9fca468c6" xlink:href="ofg-20260331.xsd#ofg_FicoScore661To699Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:to="loc_ofg_FicoScore661To699Member_019cd32c-c178-76ea-a742-c1c9fca468c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FicoScoreGreaterThan700Member_019cd32c-c178-701c-8e7a-c55d6372edfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FicoScoreGreaterThan700Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:to="loc_us-gaap_FicoScoreGreaterThan700Member_019cd32c-c178-701c-8e7a-c55d6372edfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_NoFicoMember_019cd32c-c178-705e-acd9-4f04c109b31a" xlink:href="ofg-20260331.xsd#ofg_NoFicoMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cd32c-c178-7b2e-b4d1-d6208bd72c8b" xlink:to="loc_ofg_NoFicoMember_019cd32c-c178-705e-acd9-4f04c109b31a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cd32c-c178-79ea-a54d-ede1222e6831" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cd32c-c178-7a3f-802e-df858eddd37b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cd32c-c178-7a3f-802e-df858eddd37b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cd32c-c178-77e7-aad5-bf3b4649bd51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cd32c-c178-77e7-aad5-bf3b4649bd51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cd32c-c178-77e6-afdc-0c19ba77a798" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cd32c-c178-77e6-afdc-0c19ba77a798" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cd32c-c178-7a14-a506-56f836eb7a61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cd32c-c178-7a14-a506-56f836eb7a61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cd32c-c178-7326-a937-59d4d80bbfaf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cd32c-c178-7326-a937-59d4d80bbfaf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cd32c-c178-7ed9-a27d-774a7e04cda1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cd32c-c178-7ed9-a27d-774a7e04cda1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019cd32c-c178-7f9a-a48d-7e65679fff62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019cd32c-c178-7f9a-a48d-7e65679fff62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7988-ba09-3ca9c81721f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c178-7988-ba09-3ca9c81721f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019cd32c-c178-7a8d-93be-af6fa94aa0ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019cd32c-c178-7a8d-93be-af6fa94aa0ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78b5-82ac-09187bb3682c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78b5-82ac-09187bb3682c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-7120-8556-1fea87b97bdb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-7120-8556-1fea87b97bdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-7430-b77e-672b12ecb9c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-7430-b77e-672b12ecb9c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78f7-baf6-6e2bb1c84545" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78f7-baf6-6e2bb1c84545" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78b0-a018-88681bf965af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019cd32c-c178-78b0-a018-88681bf965af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019cd32c-c178-7f37-9194-931b41d5c7af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019cd32c-c178-7f37-9194-931b41d5c7af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cd32c-c178-77e3-9338-7eb83ea1d1c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cd32c-c178-7a13-af46-929a2e84d2f8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cd32c-c178-77e3-9338-7eb83ea1d1c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ALLOWANCEFORCREDITLOSSESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_019cd32c-c178-7f1d-9713-40d3e9e9e5b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7f36-9383-5a218e62694b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_019cd32c-c178-7f1d-9713-40d3e9e9e5b4" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7f36-9383-5a218e62694b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableLoanSalesAxis_019daa29-6141-753d-9a3a-fa4cb4187e21" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableLoanSalesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7f36-9383-5a218e62694b" xlink:to="loc_ofg_FinancingReceivableLoanSalesAxis_019daa29-6141-753d-9a3a-fa4cb4187e21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableLoanSalesDomain_019daa29-6141-7921-9eb1-af7a9acd6a87" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableLoanSalesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_FinancingReceivableLoanSalesAxis_019daa29-6141-753d-9a3a-fa4cb4187e21" xlink:to="loc_ofg_FinancingReceivableLoanSalesDomain_019daa29-6141-7921-9eb1-af7a9acd6a87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableLoanGrowthMember_019daa29-6141-725f-8df9-62c28b2cb8d6" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableLoanGrowthMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_FinancingReceivableLoanSalesDomain_019daa29-6141-7921-9eb1-af7a9acd6a87" xlink:to="loc_ofg_FinancingReceivableLoanGrowthMember_019daa29-6141-725f-8df9-62c28b2cb8d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019daa29-6141-7d3b-846f-afba16cae8b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7f36-9383-5a218e62694b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019daa29-6141-7d3b-846f-afba16cae8b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019daa29-6141-7df5-91c8-df00d0284311" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019daa29-6141-7d3b-846f-afba16cae8b6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019daa29-6141-7df5-91c8-df00d0284311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019daa29-6141-7157-b900-2749e824ad17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019daa29-6141-7df5-91c8-df00d0284311" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019daa29-6141-7157-b900-2749e824ad17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SmallCommercialLoanMember_019daa29-6141-735e-a894-7f3c83f4c35a" xlink:href="ofg-20260331.xsd#ofg_SmallCommercialLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019daa29-6141-7df5-91c8-df00d0284311" xlink:to="loc_ofg_SmallCommercialLoanMember_019daa29-6141-735e-a894-7f3c83f4c35a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_NonPerformingCommercialLoansPreviouslyReservedMember_019daa29-6141-7d4e-9353-3827b70d1d6d" xlink:href="ofg-20260331.xsd#ofg_NonPerformingCommercialLoansPreviouslyReservedMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019daa29-6141-7df5-91c8-df00d0284311" xlink:to="loc_ofg_NonPerformingCommercialLoansPreviouslyReservedMember_019daa29-6141-7d4e-9353-3827b70d1d6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7f36-9383-5a218e62694b" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_019daa29-6141-7054-b325-74cc0daf3845" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_019daa29-6141-7054-b325-74cc0daf3845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019daa29-6141-77e4-a670-b568660127c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019daa29-6141-77e4-a670-b568660127c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_019daa29-6141-7dd3-b5f4-1c7f661e5148" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery_019daa29-6141-7dd3-b5f4-1c7f661e5148" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossIncreaseDecreaseInWriteoffAfterRecovery_019daa29-6141-7994-af17-1fd6dd1be06e" xlink:href="ofg-20260331.xsd#ofg_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossIncreaseDecreaseInWriteoffAfterRecovery"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:to="loc_ofg_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossIncreaseDecreaseInWriteoffAfterRecovery_019daa29-6141-7994-af17-1fd6dd1be06e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019daa29-6141-7d2b-a6e1-98caf6322d42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019daa29-6141-75b4-ba19-4a22b6320db8" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019daa29-6141-7d2b-a6e1-98caf6322d42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESScheduleofGrossLoanandAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ALLOWANCEFORCREDITLOSSESScheduleofGrossLoanandAllowanceforCreditLossesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ALLOWANCEFORCREDITLOSSESScheduleofGrossLoanandAllowanceforCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_019cd32c-c178-727e-85f4-aec5712a229b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7c20-ad5b-4b182fbdb471" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_019cd32c-c178-727e-85f4-aec5712a229b" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7c20-ad5b-4b182fbdb471" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7221-ba1c-76c15c5fa875" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7c20-ad5b-4b182fbdb471" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7221-ba1c-76c15c5fa875" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-78e4-9d09-ff8c84ad3608" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cd32c-c178-7221-ba1c-76c15c5fa875" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-78e4-9d09-ff8c84ad3608" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7535-a92d-5bae81a03a60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-78e4-9d09-ff8c84ad3608" xlink:to="loc_us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember_019cd32c-c178-7535-a92d-5bae81a03a60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-7986-872e-90f8950713bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cd32c-c178-78e4-9d09-ff8c84ad3608" xlink:to="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_019cd32c-c178-7986-872e-90f8950713bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7590-8e21-ef814d89efe5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7c20-ad5b-4b182fbdb471" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7590-8e21-ef814d89efe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cd32c-c178-7590-8e21-ef814d89efe5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7151-a783-d44d526d28f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019cd32c-c178-7151-a783-d44d526d28f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-78c6-bdc1-6c52f1d6455c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cd32c-c178-78c6-bdc1-6c52f1d6455c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-752d-b67c-53c7d7427d7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019cd32c-c178-752d-b67c-53c7d7427d7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7dd9-a828-c3e3417d673a" xlink:href="ofg-20260331.xsd#ofg_AutomobilePortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cd32c-c178-7d78-9e38-43b3ced836db" xlink:to="loc_ofg_AutomobilePortfolioSegmentMember_019cd32c-c178-7dd9-a828-c3e3417d673a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cd32c-c178-77cf-8628-620ad9de278c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cd32c-c178-7c20-ad5b-4b182fbdb471" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cd32c-c178-77cf-8628-620ad9de278c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cd32c-c178-77cf-8628-620ad9de278c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7193-905a-6bdeaa35adef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7193-905a-6bdeaa35adef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019cd32c-c178-7a6f-ab7c-7521b4405fef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019cd32c-c178-7a6f-ab7c-7521b4405fef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cd32c-c178-7f08-8164-53a1aff33379" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cd32c-c178-7f08-8164-53a1aff33379" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019cd32c-c178-7209-b4d9-2d6f9a139e60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019cd32c-c178-7209-b4d9-2d6f9a139e60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7457-940f-dc8b653cb69c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cd32c-c178-75f6-8f51-85f1c15cc1cb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c178-7457-940f-dc8b653cb69c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FORECLOSEDREALESTATEDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#FORECLOSEDREALESTATEDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FORECLOSEDREALESTATEDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7a8c-b90b-1fa67da3c6c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:href="ofg-20260331.xsd#ofg_OtherRealEstateOwnedActivityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherRealEstateAbstract_019cd32c-c178-7a8c-b90b-1fa67da3c6c0" xlink:to="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c178-7889-b7c9-549a65027118" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c178-7889-b7c9-549a65027118" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Otherrealestateownedadditions_019cd32c-c178-7566-8ff0-74fcc474de42" xlink:href="ofg-20260331.xsd#ofg_Otherrealestateownedadditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_ofg_Otherrealestateownedadditions_019cd32c-c178-7566-8ff0-74fcc474de42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Otherrealestateownedsales_019cd32c-c178-76a0-a20d-f76aac187249" xlink:href="ofg-20260331.xsd#ofg_Otherrealestateownedsales"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_ofg_Otherrealestateownedsales_019cd32c-c178-76a0-a20d-f76aac187249" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherRealEstateOwnedWriteDowns_019cd32c-c178-7771-bfe6-7c910bc182a4" xlink:href="ofg-20260331.xsd#ofg_OtherRealEstateOwnedWriteDowns"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_ofg_OtherRealEstateOwnedWriteDowns_019cd32c-c178-7771-bfe6-7c910bc182a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Otherrealestateownedotheradjustments_019cd32c-c178-79f0-913f-ba88ef5294c6" xlink:href="ofg-20260331.xsd#ofg_Otherrealestateownedotheradjustments"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_ofg_Otherrealestateownedotheradjustments_019cd32c-c178-79f0-913f-ba88ef5294c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c178-7d25-a4c5-53c368f57e87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherRealEstateOwnedActivityRollForward_019cd32c-c178-778b-87bb-d6ae75c8f724" xlink:to="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c178-7d25-a4c5-53c368f57e87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-741c-8cf6-c08d0e083431" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7113-bd6b-65581e734504" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-741c-8cf6-c08d0e083431" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7113-bd6b-65581e734504" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7ae8-9e89-073c97f32da9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7113-bd6b-65581e734504" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7ae8-9e89-073c97f32da9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7a49-8cc9-a29f650c7170" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c178-7ae8-9e89-073c97f32da9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7a49-8cc9-a29f650c7170" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConventionalLoanMember_019cd32c-c178-7e8d-a226-acaad114f367" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConventionalLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c178-7a49-8cc9-a29f650c7170" xlink:to="loc_us-gaap_ConventionalLoanMember_019cd32c-c178-7e8d-a226-acaad114f367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-758a-b5ca-63dd0a459f69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7113-bd6b-65581e734504" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-758a-b5ca-63dd0a459f69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-70bc-9980-e382f8184226" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-758a-b5ca-63dd0a459f69" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-70bc-9980-e382f8184226" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_019cd32c-c178-7722-9c79-e7095323c5d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-758a-b5ca-63dd0a459f69" xlink:to="loc_us-gaap_ServicingAsset_019cd32c-c178-7722-9c79-e7095323c5d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_019cd32c-c178-79bd-8ffe-68fcde135328" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-758a-b5ca-63dd0a459f69" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_019cd32c-c178-79bd-8ffe-68fcde135328" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETSChangesinServingRightsatFairValueDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETSChangesinServingRightsatFairValueDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETSChangesinServingRightsatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-744b-9410-643d4e9faf47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-744b-9410-643d4e9faf47" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-72f8-8b23-556e595bcf0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-72f8-8b23-556e595bcf0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_019cd32c-c178-78ae-bfe9-bbfce123a1b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_019cd32c-c178-78ae-bfe9-bbfce123a1b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance_019cd32c-c178-7bcb-bdd4-80f650909bd3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesThatAffectBalance_019cd32c-c178-7bcb-bdd4-80f650909bd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_019cd32c-c178-7176-a6bb-88f824b258ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:to="loc_us-gaap_ServicingAssetAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions_019cd32c-c178-7176-a6bb-88f824b258ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-70c8-ab86-825039bb310f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_019cd32c-c178-794f-a258-a7ab12a0fe02" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c178-70c8-ab86-825039bb310f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETSKeyEconomicAssumptionsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETSKeyEconomicAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETSKeyEconomicAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-74d1-a390-f91bdba2db9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7de7-95d5-49df4efc25a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c178-74d1-a390-f91bdba2db9b" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7de7-95d5-49df4efc25a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019cd32c-c178-729f-9586-2d58a29f712e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7de7-95d5-49df4efc25a1" xlink:to="loc_srt_RangeAxis_019cd32c-c178-729f-9586-2d58a29f712e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cd32c-c178-7e3e-baac-61a8a29738b5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019cd32c-c178-729f-9586-2d58a29f712e" xlink:to="loc_srt_RangeMember_019cd32c-c178-7e3e-baac-61a8a29738b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019cd32c-c178-7d76-8826-c2051f556ab5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019cd32c-c178-7e3e-baac-61a8a29738b5" xlink:to="loc_srt_MinimumMember_019cd32c-c178-7d76-8826-c2051f556ab5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019cd32c-c178-7220-86b1-711abe2c0ede" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019cd32c-c178-7e3e-baac-61a8a29738b5" xlink:to="loc_srt_MaximumMember_019cd32c-c178-7220-86b1-711abe2c0ede" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-71b0-be6c-8f1456bda91f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_019cd32c-c178-7de7-95d5-49df4efc25a1" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-71b0-be6c-8f1456bda91f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_019cd32c-c178-70c1-83a2-6c9024639de7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-71b0-be6c-8f1456bda91f" xlink:to="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_019cd32c-c178-70c1-83a2-6c9024639de7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_019cd32c-c22b-7f20-b8db-8b183a1ae3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_019cd32c-c178-71b0-be6c-8f1456bda91f" xlink:to="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_019cd32c-c22b-7f20-b8db-8b183a1ae3b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SERVICINGASSETSSensitivityofCurrentFairValueofServicingAssetsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#SERVICINGASSETSSensitivityofCurrentFairValueofServicingAssetsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SERVICINGASSETSSensitivityofCurrentFairValueofServicingAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_019cd32c-c22b-79eb-b119-d109097c476c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_ServicingAsset_019cd32c-c22b-79eb-b119-d109097c476c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueWeightedAverageLife1_019cd32c-c22b-7793-b7cf-1b239acec49d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueWeightedAverageLife1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueWeightedAverageLife1_019cd32c-c22b-7793-b7cf-1b239acec49d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_019cd32c-c22b-7271-9301-e7e2e5e45f0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_019cd32c-c22b-7271-9301-e7e2e5e45f0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_019cd32c-c22b-7e48-a226-2293841a439b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_019cd32c-c22b-7e48-a226-2293841a439b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_019cd32c-c22b-7874-82e4-2624d1acdc1b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_019cd32c-c22b-7874-82e4-2624d1acdc1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_019cd32c-c22b-73f1-9aa2-db7822bfb60e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_019cd32c-c22b-74c7-8470-7cf4f7d31a0a" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_019cd32c-c22b-73f1-9aa2-db7822bfb60e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSScheduleofGoodwillDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETSScheduleofGoodwillDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSScheduleofGoodwillDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-710b-9f0c-025a0ef7ce3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-75e2-9f6f-ca9e491dc62a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-710b-9f0c-025a0ef7ce3b" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-75e2-9f6f-ca9e491dc62a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c22b-7941-b85d-d3696f15dbe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-75e2-9f6f-ca9e491dc62a" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c22b-7941-b85d-d3696f15dbe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019cd32c-c22b-700f-9caa-6218ca7633c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c22b-7941-b85d-d3696f15dbe7" xlink:to="loc_us-gaap_SegmentDomain_019cd32c-c22b-700f-9caa-6218ca7633c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BankingSegmentMember_019cd32c-c22b-7b04-8da4-8d5d90ebaf3b" xlink:href="ofg-20260331.xsd#ofg_BankingSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c22b-700f-9caa-6218ca7633c5" xlink:to="loc_ofg_BankingSegmentMember_019cd32c-c22b-7b04-8da4-8d5d90ebaf3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_WealthManagementMember_019cd32c-c22b-762e-a785-c37a1b27d9cf" xlink:href="ofg-20260331.xsd#ofg_WealthManagementMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c22b-700f-9caa-6218ca7633c5" xlink:to="loc_ofg_WealthManagementMember_019cd32c-c22b-762e-a785-c37a1b27d9cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TreasurySegmentMember_019cd32c-c22b-73e6-b060-16790df13cd6" xlink:href="ofg-20260331.xsd#ofg_TreasurySegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c22b-700f-9caa-6218ca7633c5" xlink:to="loc_ofg_TreasurySegmentMember_019cd32c-c22b-73e6-b060-16790df13cd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7962-a969-6149a0073404" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-75e2-9f6f-ca9e491dc62a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7962-a969-6149a0073404" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillRollForward_019cd32c-c22b-7784-89a9-534811dd01ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7962-a969-6149a0073404" xlink:to="loc_us-gaap_GoodwillRollForward_019cd32c-c22b-7784-89a9-534811dd01ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019cd32c-c22b-7367-919a-bf5439eb0659" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_019cd32c-c22b-7784-89a9-534811dd01ef" xlink:to="loc_us-gaap_Goodwill_019cd32c-c22b-7367-919a-bf5439eb0659" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019cd32c-c22b-70aa-bf37-bfaf84dba930" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_019cd32c-c22b-7784-89a9-534811dd01ef" xlink:to="loc_us-gaap_Goodwill_019cd32c-c22b-70aa-bf37-bfaf84dba930" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillPeriodIncreaseDecrease_019cd32c-c22b-7bc6-8d0a-556adaa908df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillPeriodIncreaseDecrease"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:to="loc_us-gaap_GoodwillPeriodIncreaseDecrease_019cd32c-c22b-7bc6-8d0a-556adaa908df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_019cd32c-c22b-715b-945f-db62c7ac3dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillImpairedAccumulatedImpairmentLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:to="loc_us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_019cd32c-c22b-715b-945f-db62c7ac3dc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_019cd32c-c22b-7e1f-8601-f54d005bfa22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_019cd32c-c22b-7e1f-8601-f54d005bfa22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetImpairment_019cd32c-c22b-7922-ab31-ca641b7d7d6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetImpairment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetImpairment_019cd32c-c22b-7922-ab31-ca641b7d7d6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019cd32c-c22b-73d2-bf4b-b6d261ce8003" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7340-8d93-908255992bc2" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019cd32c-c22b-73d2-bf4b-b6d261ce8003" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSScheduleofCoreDepositCustomerRelationshipandOtherIntangiblesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETSScheduleofCoreDepositCustomerRelationshipandOtherIntangiblesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSScheduleofCoreDepositCustomerRelationshipandOtherIntangiblesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7327-9d2b-77ba1214e384" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-71a5-b3a1-e7a7214ed198" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7327-9d2b-77ba1214e384" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-71a5-b3a1-e7a7214ed198" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019cd32c-c22b-7c39-a359-829e56824396" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-71a5-b3a1-e7a7214ed198" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019cd32c-c22b-7c39-a359-829e56824396" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019cd32c-c22b-7b6b-b0d2-c5a07ef7df37" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019cd32c-c22b-7c39-a359-829e56824396" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019cd32c-c22b-7b6b-b0d2-c5a07ef7df37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_019cd32c-c22b-7ce9-80ae-7d040da0a8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019cd32c-c22b-7b6b-b0d2-c5a07ef7df37" xlink:to="loc_us-gaap_CoreDepositsMember_019cd32c-c22b-7ce9-80ae-7d040da0a8c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember_019cd32c-c22b-7b96-bf87-19884ab2cf62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019cd32c-c22b-7b6b-b0d2-c5a07ef7df37" xlink:to="loc_us-gaap_CustomerRelationshipsMember_019cd32c-c22b-7b96-bf87-19884ab2cf62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7302-ae8c-80a6145f1860" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_019cd32c-c22b-71a5-b3a1-e7a7214ed198" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7302-ae8c-80a6145f1860" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019cd32c-c22b-7d3b-824f-86c4960d6aad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7302-ae8c-80a6145f1860" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019cd32c-c22b-7d3b-824f-86c4960d6aad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019cd32c-c22b-73b0-ac13-6cba58284187" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7302-ae8c-80a6145f1860" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019cd32c-c22b-73b0-ac13-6cba58284187" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019cd32c-c22b-7859-b64e-dad45db97e1d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_019cd32c-c22b-7302-ae8c-80a6145f1860" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019cd32c-c22b-7859-b64e-dad45db97e1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSEstimatedAmortizationofOtherIntangibleAssetsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GOODWILLANDOTHERINTANGIBLEASSETSEstimatedAmortizationofOtherIntangibleAssetsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GOODWILLANDOTHERINTANGIBLEASSETSEstimatedAmortizationofOtherIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7dfb-b0e9-39e5b18d07b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019d1e25-47ea-7b4d-8d80-e79a12e0d774" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7dfb-b0e9-39e5b18d07b3" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019d1e25-47ea-7b4d-8d80-e79a12e0d774" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019cd32c-c22b-7ba1-8119-c937f53dcfcf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7dfb-b0e9-39e5b18d07b3" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019cd32c-c22b-7ba1-8119-c937f53dcfcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019cd32c-c22b-76bf-b1f7-f58afa23dce9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7dfb-b0e9-39e5b18d07b3" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019cd32c-c22b-76bf-b1f7-f58afa23dce9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019cd32c-c22b-77df-b472-3e298752858b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_019cd32c-c22b-7dfb-b0e9-39e5b18d07b3" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019cd32c-c22b-77df-b472-3e298752858b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSScheduleofAccruedInterestReceivableDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSScheduleofAccruedInterestReceivableDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSScheduleofAccruedInterestReceivableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-7a33-a2d6-a59561830492" xlink:href="ofg-20260331.xsd#ofg_Accruedinterestreceivableandotherassetsabstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c22b-7ec4-aa81-bc31e69f9cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-7a33-a2d6-a59561830492" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c22b-7ec4-aa81-bc31e69f9cd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-70bb-a12c-3c9ebc9dc6fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c22b-7ec4-aa81-bc31e69f9cd8" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-70bb-a12c-3c9ebc9dc6fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-7e9c-8033-472cb079d778" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-70bb-a12c-3c9ebc9dc6fc" xlink:to="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-7e9c-8033-472cb079d778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndFinanceReceivablesMember_019cd32c-c22b-73c1-bca0-ec0917231ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndFinanceReceivablesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-7e9c-8033-472cb079d778" xlink:to="loc_us-gaap_LoansAndFinanceReceivablesMember_019cd32c-c22b-73c1-bca0-ec0917231ed7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsMember_019cd32c-c22b-783c-ab79-7d19f6144a48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-7e9c-8033-472cb079d778" xlink:to="loc_us-gaap_InvestmentsMember_019cd32c-c22b-783c-ab79-7d19f6144a48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c22b-7b2d-843d-ef526d72c65a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cd32c-c22b-7ec4-aa81-bc31e69f9cd8" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c22b-7b2d-843d-ef526d72c65a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019cd32c-c22b-773e-bc98-324867582b34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cd32c-c22b-7b2d-843d-ef526d72c65a" xlink:to="loc_us-gaap_InterestReceivable_019cd32c-c22b-773e-bc98-324867582b34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-7544-9b57-e4d0cdb3c169" xlink:href="ofg-20260331.xsd#ofg_Accruedinterestreceivableandotherassetsabstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:href="ofg-20260331.xsd#ofg_ScheduleOfOtherAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-7544-9b57-e4d0cdb3c169" xlink:to="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c22b-791c-bda5-683b841946ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c22b-791c-bda5-683b841946ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c22b-76b6-b7e2-3c2ab46c94cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cd32c-c22b-791c-bda5-683b841946ef" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c22b-76b6-b7e2-3c2ab46c94cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_COVID19AndHurricaneFionaDeferralProgramLoansMember_019cd32c-c22b-71de-b5eb-e86a3b8202b2" xlink:href="ofg-20260331.xsd#ofg_COVID19AndHurricaneFionaDeferralProgramLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cd32c-c22b-76b6-b7e2-3c2ab46c94cb" xlink:to="loc_ofg_COVID19AndHurricaneFionaDeferralProgramLoansMember_019cd32c-c22b-71de-b5eb-e86a3b8202b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c22b-733a-b112-4079d8552ee6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c22b-733a-b112-4079d8552ee6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c22b-7aa8-9199-b93dd3fe2eca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cd32c-c22b-733a-b112-4079d8552ee6" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c22b-7aa8-9199-b93dd3fe2eca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c22b-7805-9bc8-9c66db301d74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cd32c-c22b-7aa8-9199-b93dd3fe2eca" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019cd32c-c22b-7805-9bc8-9c66db301d74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-7684-b86b-7401af9281da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-7684-b86b-7401af9281da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-72c4-9e7e-25b1b88bf0db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019cd32c-c22b-7684-b86b-7401af9281da" xlink:to="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-72c4-9e7e-25b1b88bf0db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedIncomeReceivableMember_019cd32c-c22b-7761-8d0f-5268a9317626" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedIncomeReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivableTypeDomain_019cd32c-c22b-72c4-9e7e-25b1b88bf0db" xlink:to="loc_us-gaap_AccruedIncomeReceivableMember_019cd32c-c22b-7761-8d0f-5268a9317626" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:href="ofg-20260331.xsd#ofg_OtherAssetsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ScheduleOfOtherAssetsTable_019cd32c-c22b-731f-bf69-8ef1bf5e4b27" xlink:to="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c22b-76da-8fb5-b0507bc63390" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019cd32c-c22b-76da-8fb5-b0507bc63390" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019cd32c-c22b-7826-98a8-5fcd760df6b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_019cd32c-c22b-7826-98a8-5fcd760df6b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPrepaidExpenseCurrent_019cd32c-c22b-7b18-a052-d0a305be32b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherPrepaidExpenseCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:to="loc_us-gaap_OtherPrepaidExpenseCurrent_019cd32c-c22b-7b18-a052-d0a305be32b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidTaxes_019cd32c-c22b-7feb-a679-d2e3459cb084" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidTaxes"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:to="loc_us-gaap_PrepaidTaxes_019cd32c-c22b-7feb-a679-d2e3459cb084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_019cd32c-c22b-77f3-b527-9d06c9d7a757" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_OtherAssetsLineItems_019cd32c-c22b-75b2-8cf0-3d3245e8dcfa" xlink:to="loc_us-gaap_OtherForeclosedAssets_019cd32c-c22b-77f3-b527-9d06c9d7a757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSOtherAssetsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSOtherAssetsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCRUEDINTERESTRECEIVABLEANDOTHERASSETSOtherAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-73a3-8ec7-7f50974edf30" xlink:href="ofg-20260331.xsd#ofg_Accruedinterestreceivableandotherassetsabstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPrepaidExpenseCurrent_019cd32c-c22b-7e88-8496-7949d5cadf95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherPrepaidExpenseCurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-73a3-8ec7-7f50974edf30" xlink:to="loc_us-gaap_OtherPrepaidExpenseCurrent_019cd32c-c22b-7e88-8496-7949d5cadf95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_019cd32c-c22b-7dfc-9505-d3724fa8582f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-73a3-8ec7-7f50974edf30" xlink:to="loc_us-gaap_OtherForeclosedAssets_019cd32c-c22b-7dfc-9505-d3724fa8582f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsAndOtherReceivablesNetCurrent_019cd32c-c22b-79f9-92a4-c6aaa7f98888" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsAndOtherReceivablesNetCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-73a3-8ec7-7f50974edf30" xlink:to="loc_us-gaap_AccountsAndOtherReceivablesNetCurrent_019cd32c-c22b-79f9-92a4-c6aaa7f98888" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cd32c-c22b-7ea2-b665-b8bf17b77cd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_Accruedinterestreceivableandotherassetsabstract_019cd32c-c22b-73a3-8ec7-7f50974edf30" xlink:to="loc_us-gaap_OtherAssets_019cd32c-c22b-7ea2-b665-b8bf17b77cd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTDepositsbyComponentsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTERESTDepositsbyComponentsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTDepositsbyComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_019cd32c-c22b-753d-92d1-299a8609a023" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_019cd32c-c22b-753d-92d1-299a8609a023" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_019cd32c-c22b-7cf8-9093-b7bd86549a42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_019cd32c-c22b-7cf8-9093-b7bd86549a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_019cd32c-c22b-7f74-9f6f-ca0626f72b54" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_019cd32c-c22b-7f74-9f6f-ca0626f72b54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional_019cd32c-c22b-7767-933c-37812a618da0" xlink:href="ofg-20260331.xsd#ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_ofg_InterestBearingDomesticDepositCertificatesOfDepositsInstitutional_019cd32c-c22b-7767-933c-37812a618da0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsRetail_019cd32c-c22b-7ede-a727-9d385e91e2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsRetail"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_DepositsRetail_019cd32c-c22b-7ede-a727-9d385e91e2c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositBrokered_019cd32c-c22b-7af7-8949-a10e668aa563" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositBrokered"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_InterestBearingDomesticDepositBrokered_019cd32c-c22b-7af7-8949-a10e668aa563" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019cd32c-c22b-7b25-a2fa-009e091e8b57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7faa-8c92-517da85e88fc" xlink:to="loc_us-gaap_Deposits_019cd32c-c22b-7b25-a2fa-009e091e8b57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTERESTNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b5e-8f94-178c91f15fc0" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestTable_019cd32c-c22b-76e2-8ca3-a50b7d483386" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7b5e-8f94-178c91f15fc0" xlink:to="loc_ofg_DepositsAndRelatedInterestTable_019cd32c-c22b-76e2-8ca3-a50b7d483386" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019ddca7-68d0-7d85-9468-e65d89dcaef3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestTable_019cd32c-c22b-76e2-8ca3-a50b7d483386" xlink:to="loc_srt_StatementGeographicalAxis_019ddca7-68d0-7d85-9468-e65d89dcaef3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019ddca7-68d0-7e65-9bdc-f0583bbd4982" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_019ddca7-68d0-7d85-9468-e65d89dcaef3" xlink:to="loc_srt_SegmentGeographicalDomain_019ddca7-68d0-7e65-9bdc-f0583bbd4982" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_country_PR_019ddca7-68d0-742a-a6d5-d40535c06ff2" xlink:href="https://xbrl.sec.gov/country/2025/country-2025.xsd#country_PR"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_019ddca7-68d0-7e65-9bdc-f0583bbd4982" xlink:to="loc_country_PR_019ddca7-68d0-742a-a6d5-d40535c06ff2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddca7-68d0-7d4b-9a1b-c7a60b01ca33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestTable_019cd32c-c22b-76e2-8ca3-a50b7d483386" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddca7-68d0-7d4b-9a1b-c7a60b01ca33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddca7-68d0-75e4-a36c-c8717af30b70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LegalEntityTypeOfCounterpartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_019ddca7-68d0-7d4b-9a1b-c7a60b01ca33" xlink:to="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddca7-68d0-75e4-a36c-c8717af30b70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GovernmentMember_019ddca7-68d0-72c5-bc35-00d86f223c82" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LegalEntityTypeOfCounterpartyDomain_019ddca7-68d0-75e4-a36c-c8717af30b70" xlink:to="loc_us-gaap_GovernmentMember_019ddca7-68d0-72c5-bc35-00d86f223c82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestTable_019cd32c-c22b-76e2-8ca3-a50b7d483386" xlink:to="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilityUninsured_019ddca7-4e70-7e8f-93f2-182d4873d6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositLiabilityUninsured"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_DepositLiabilityUninsured_019ddca7-4e70-7e8f-93f2-182d4873d6c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDeposits_019ddca7-4e70-7c1f-9e1e-48cd6f14aeb5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDeposits_019ddca7-4e70-7c1f-9e1e-48cd6f14aeb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDeposit_019ddca7-4e70-7e70-8c73-9eba7d4ccbed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageRateDomesticDeposit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDeposit_019ddca7-4e70-7e70-8c73-9eba7d4ccbed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit_019ddca7-68d0-7f2b-a3a4-c091d8ba20c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_TimeDepositsAtOrAboveFDICInsuranceLimit_019ddca7-68d0-7f2b-a3a4-c091d8ba20c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019ddca7-68d0-7be1-a1cb-dbbdd2730ecb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_Deposits_019ddca7-68d0-7be1-a1cb-dbbdd2730ecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PublicFundCollateralInvestments_019ddca7-68d0-7aaa-a3e7-03f4bf0cfc7e" xlink:href="ofg-20260331.xsd#ofg_PublicFundCollateralInvestments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_ofg_PublicFundCollateralInvestments_019ddca7-68d0-7aaa-a3e7-03f4bf0cfc7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralizedCommercialLoans_019ddca7-68d0-7a9f-9745-52900e956cf6" xlink:href="ofg-20260331.xsd#ofg_CollateralizedCommercialLoans"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_ofg_CollateralizedCommercialLoans_019ddca7-68d0-7a9f-9745-52900e956cf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesAccruedInterest_019ddca7-ab46-731f-a13a-3e210a012889" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositLiabilitiesAccruedInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_DepositLiabilitiesAccruedInterest_019ddca7-ab46-731f-a13a-3e210a012889" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOverdrafts_019ddca7-c5d1-7cb4-ad7a-04ab7c5d93b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOverdrafts"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestLineItems_019ddca7-4e70-7ebd-abbf-6c155ce4fc5c" xlink:to="loc_us-gaap_BankOverdrafts_019ddca7-c5d1-7cb4-ad7a-04ab7c5d93b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTInterestExpenseDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTERESTInterestExpenseDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTInterestExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bed-9d22-e7d86b29811d" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_019cd32c-c22b-7308-a991-c25fec92dcc5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bed-9d22-e7d86b29811d" xlink:to="loc_us-gaap_InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits_019cd32c-c22b-7308-a991-c25fec92dcc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit_019cd32c-c22b-767f-b2c4-695e63fc4dee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bed-9d22-e7d86b29811d" xlink:to="loc_us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit_019cd32c-c22b-767f-b2c4-695e63fc4dee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019cd32c-c22b-70f7-8f8a-497ae65963f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bed-9d22-e7d86b29811d" xlink:to="loc_us-gaap_InterestExpenseDeposits_019cd32c-c22b-70f7-8f8a-497ae65963f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTMaturitiesofTimeDepositsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#DEPOSITSANDRELATEDINTERESTMaturitiesofTimeDepositsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DEPOSITSANDRELATEDINTERESTMaturitiesofTimeDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bb8-9ba8-ca526d38af0c" xlink:href="ofg-20260331.xsd#ofg_DepositsAndRelatedInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:href="ofg-20260331.xsd#ofg_YearEndAmountWithinOneYearAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bb8-9ba8-ca526d38af0c" xlink:to="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesLessThanThreeMonth_019cd32c-c22b-7e0d-8fe9-3ac8af0ca7ec" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesLessThanThreeMonth"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:to="loc_ofg_TimeDepositMaturitiesLessThanThreeMonth_019cd32c-c22b-7e0d-8fe9-3ac8af0ca7ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesOverThreeMonthsThroughSixMonths_019cd32c-c22b-7e17-9c54-2cfc5823bdb4" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesOverThreeMonthsThroughSixMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:to="loc_ofg_TimeDepositMaturitiesOverThreeMonthsThroughSixMonths_019cd32c-c22b-7e17-9c54-2cfc5823bdb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesOverSixMonthsThroughTwelveMonths_019cd32c-c22b-734b-8b1f-8fc2e687cef5" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesOverSixMonthsThroughTwelveMonths"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:to="loc_ofg_TimeDepositMaturitiesOverSixMonthsThroughTwelveMonths_019cd32c-c22b-734b-8b1f-8fc2e687cef5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_019cd32c-c22b-7b58-8622-d894b72613dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountWithinOneYearAbstract_019cd32c-c22b-7b33-88aa-fa71400c418b" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_019cd32c-c22b-7b58-8622-d894b72613dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:href="ofg-20260331.xsd#ofg_YearEndAmountAfterOneYearAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bb8-9ba8-ca526d38af0c" xlink:to="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_019cd32c-c22b-7cca-952e-15190324b460" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_019cd32c-c22b-7cca-952e-15190324b460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_019cd32c-c22b-7f57-989a-322bc17a4aad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_019cd32c-c22b-7f57-989a-322bc17a4aad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_019cd32c-c22b-72ef-9ac9-03fda73a85b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_019cd32c-c22b-72ef-9ac9-03fda73a85b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_019cd32c-c22b-75d2-bc5e-1077e47f3153" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_019cd32c-c22b-75d2-bc5e-1077e47f3153" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_019cd32c-c22b-7336-98ce-7e910c48daf6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_019cd32c-c22b-7336-98ce-7e910c48daf6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalTimeDepositsExcludingEquityIndexesOptions_019cd32c-c22b-7062-be40-25323374bff7" xlink:href="ofg-20260331.xsd#ofg_TotalTimeDepositsExcludingEquityIndexesOptions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_YearEndAmountAfterOneYearAbstract_019cd32c-c22b-73c5-ad1f-3ff7c45080fe" xlink:to="loc_ofg_TotalTimeDepositsExcludingEquityIndexesOptions_019cd32c-c22b-7062-be40-25323374bff7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:href="ofg-20260331.xsd#ofg_UninsuredAmountWithinOneYearAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bb8-9ba8-ca526d38af0c" xlink:to="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityThreeMonthsOrLess_019cd32c-c22b-74d7-8f8e-821c0bf6189b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositLiabilityUninsuredMaturityThreeMonthsOrLess"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:to="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityThreeMonthsOrLess_019cd32c-c22b-74d7-8f8e-821c0bf6189b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityOverThreeMonthsThroughSixMonths_019cd32c-c22b-7046-816f-17af646b1a67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositLiabilityUninsuredMaturityOverThreeMonthsThroughSixMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:to="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityOverThreeMonthsThroughSixMonths_019cd32c-c22b-7046-816f-17af646b1a67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityOverSixMonthsThroughTwelveMonths_019cd32c-c22b-7b52-9864-5864daf7e378" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositLiabilityUninsuredMaturityOverSixMonthsThroughTwelveMonths"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:to="loc_us-gaap_TimeDepositLiabilityUninsuredMaturityOverSixMonthsThroughTwelveMonths_019cd32c-c22b-7b52-9864-5864daf7e378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositLiabilityUninsuredMaturityYearOne_019cd32c-c22b-71e1-b354-a78dd0e83cfa" xlink:href="ofg-20260331.xsd#ofg_TimeDepositLiabilityUninsuredMaturityYearOne"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountWithinOneYearAbstract_019cd32c-c22b-7e55-8bbd-bcba1fd6b6aa" xlink:to="loc_ofg_TimeDepositLiabilityUninsuredMaturityYearOne_019cd32c-c22b-71e1-b354-a78dd0e83cfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:href="ofg-20260331.xsd#ofg_UninsuredAmountAfterOneYearAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_DepositsAndRelatedInterestAbstract_019cd32c-c22b-7bb8-9ba8-ca526d38af0c" xlink:to="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesUninsuredYearTwo_019cd32c-c22b-787c-8bf4-7fd24868cb5c" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesUninsuredYearTwo"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_ofg_TimeDepositMaturitiesUninsuredYearTwo_019cd32c-c22b-787c-8bf4-7fd24868cb5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesUninsuredYearThree_019cd32c-c22b-76f7-b5f4-c8016acb14aa" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesUninsuredYearThree"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_ofg_TimeDepositMaturitiesUninsuredYearThree_019cd32c-c22b-76f7-b5f4-c8016acb14aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesUninsuredYearFour_019cd32c-c22b-7cc2-aeda-69a62c32c784" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesUninsuredYearFour"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_ofg_TimeDepositMaturitiesUninsuredYearFour_019cd32c-c22b-7cc2-aeda-69a62c32c784" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesUninsuredYearFive_019cd32c-c22b-7b39-808a-6b09394791b4" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesUninsuredYearFive"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_ofg_TimeDepositMaturitiesUninsuredYearFive_019cd32c-c22b-7b39-808a-6b09394791b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TimeDepositMaturitiesUninsuredAfterYearFive_019cd32c-c22b-7fcf-b075-5d8d68a10dcd" xlink:href="ofg-20260331.xsd#ofg_TimeDepositMaturitiesUninsuredAfterYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_ofg_TimeDepositMaturitiesUninsuredAfterYearFive_019cd32c-c22b-7fcf-b075-5d8d68a10dcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositLiabilityUninsured_019cd32c-c22b-7425-9fec-0042fedd9051" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositLiabilityUninsured"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_UninsuredAmountAfterOneYearAbstract_019cd32c-c22b-7334-9b49-e5726724bacc" xlink:to="loc_us-gaap_TimeDepositLiabilityUninsured_019cd32c-c22b-7425-9fec-0042fedd9051" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTOFGsRepurchaseAgreementsExcludingAccruedInterestDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTERESTOFGsRepurchaseAgreementsExcludingAccruedInterestDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTOFGsRepurchaseAgreementsExcludingAccruedInterestDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7784-87da-9ba11f6f1b84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7784-87da-9ba11f6f1b84" xlink:to="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7d3a-aeb2-d64c83902ae8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7d3a-aeb2-d64c83902ae8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7974-93e1-518524967d3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7d3a-aeb2-d64c83902ae8" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7974-93e1-518524967d3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-7e64-b020-69e7c8eb68c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7974-93e1-518524967d3b" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-7e64-b020-69e7c8eb68c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-70c6-a9b6-aa8634679d99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:to="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-70c6-a9b6-aa8634679d99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7c61-8b10-388a5b0cc436" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-70c6-a9b6-aa8634679d99" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7c61-8b10-388a5b0cc436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ShortTermFixedRateRepurchaseAgreementsMember_019cd32c-c22b-7082-84cb-d4883e654e5f" xlink:href="ofg-20260331.xsd#ofg_ShortTermFixedRateRepurchaseAgreementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7c61-8b10-388a5b0cc436" xlink:to="loc_ofg_ShortTermFixedRateRepurchaseAgreementsMember_019cd32c-c22b-7082-84cb-d4883e654e5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7d54-8c93-69f6856baa2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7d54-8c93-69f6856baa2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7ec0-935b-009b6b2cea3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7d54-8c93-69f6856baa2f" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7ec0-935b-009b6b2cea3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-726b-9a56-49eafc93157e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7ec0-935b-009b6b2cea3d" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-726b-9a56-49eafc93157e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-7469-b16c-95e9c136241d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-7469-b16c-95e9c136241d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-75ad-a5c5-d18cceadb4ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-7469-b16c-95e9c136241d" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-75ad-a5c5-d18cceadb4ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019cd32c-c22b-7ceb-990b-d4bd8d4dcbbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-75ad-a5c5-d18cceadb4ab" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019cd32c-c22b-7ceb-990b-d4bd8d4dcbbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019cd32c-c22b-7e77-be01-5754f57608a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-75ad-a5c5-d18cceadb4ab" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019cd32c-c22b-7e77-be01-5754f57608a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-76d7-b2f4-879c6193404a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7fb7-8b3a-b08ed7f3aa23" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-76d7-b2f4-879c6193404a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019cd32c-c22b-748b-b324-8c27899d8c03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-76d7-b2f4-879c6193404a" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019cd32c-c22b-748b-b324-8c27899d8c03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c22b-7ec2-b08f-7d227500a60c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-76d7-b2f4-879c6193404a" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cd32c-c22b-7ec2-b08f-7d227500a60c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate_019cd32c-c22b-793d-9c1c-a9b10622c938" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-76d7-b2f4-879c6193404a" xlink:to="loc_us-gaap_DebtWeightedAverageInterestRate_019cd32c-c22b-793d-9c1c-a9b10622c938" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTSecuritiesSoldunderAgreementstoRepurchaseDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTERESTSecuritiesSoldunderAgreementstoRepurchaseDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTSecuritiesSoldunderAgreementstoRepurchaseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019de0ba-dc00-7791-9612-8dcbf93a23a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019de0ba-dc00-7da4-be11-709ee134dd20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019de0ba-dc00-7791-9612-8dcbf93a23a2" xlink:to="loc_us-gaap_DebtInstrumentTable_019de0ba-dc00-7da4-be11-709ee134dd20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019de0ba-dc00-7f2b-bd3e-ea9d8a62625d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019de0ba-dc00-7da4-be11-709ee134dd20" xlink:to="loc_us-gaap_DebtInstrumentAxis_019de0ba-dc00-7f2b-bd3e-ea9d8a62625d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019de0ba-dc00-7d97-a7d9-a228e9080f48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019de0ba-dc00-7f2b-bd3e-ea9d8a62625d" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019de0ba-dc00-7d97-a7d9-a228e9080f48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FNMAFHLMCAndGNMACertificatesMember_019dfa4e-5b06-72c1-a491-7332cc4eba34" xlink:href="ofg-20260331.xsd#ofg_FNMAFHLMCAndGNMACertificatesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019de0ba-dc00-7d97-a7d9-a228e9080f48" xlink:to="loc_ofg_FNMAFHLMCAndGNMACertificatesMember_019dfa4e-5b06-72c1-a491-7332cc4eba34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FNMAAndFHMLCCertificatesMember_019de0ba-dc00-7fe9-9e3b-17474d183b78" xlink:href="ofg-20260331.xsd#ofg_FNMAAndFHMLCCertificatesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_FNMAFHLMCAndGNMACertificatesMember_019dfa4e-5b06-72c1-a491-7332cc4eba34" xlink:to="loc_ofg_FNMAAndFHMLCCertificatesMember_019de0ba-dc00-7fe9-9e3b-17474d183b78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_GNMACertificatesMember_019de0ba-dc00-7de3-bff6-3a330aa00af3" xlink:href="ofg-20260331.xsd#ofg_GNMACertificatesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_FNMAFHLMCAndGNMACertificatesMember_019dfa4e-5b06-72c1-a491-7332cc4eba34" xlink:to="loc_ofg_GNMACertificatesMember_019de0ba-dc00-7de3-bff6-3a330aa00af3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019de0ba-dc00-7da4-be11-709ee134dd20" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SecuritiesSoldUnderAgreementsToRepurchaseAmortizedCost_019de0ba-dc00-78ab-8b41-965c5d6910b7" xlink:href="ofg-20260331.xsd#ofg_SecuritiesSoldUnderAgreementsToRepurchaseAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:to="loc_ofg_SecuritiesSoldUnderAgreementsToRepurchaseAmortizedCost_019de0ba-dc00-78ab-8b41-965c5d6910b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019de0ba-dc00-7878-8be6-7ba2eb26a0a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019de0ba-dc00-7878-8be6-7ba2eb26a0a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019de0ba-dc00-7c46-b4c4-cb46137cb32b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:to="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019de0ba-dc00-7c46-b4c4-cb46137cb32b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate_019de0ba-dc00-72fc-9ae3-8cecbf678bde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019de0ba-dc00-7ec0-a487-71aad3acaac9" xlink:to="loc_us-gaap_DebtWeightedAverageInterestRate_019de0ba-dc00-72fc-9ae3-8cecbf678bde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTAdvancesfromtheFederalHomeLoanBankofNewYorkDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTERESTAdvancesfromtheFederalHomeLoanBankofNewYorkDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTAdvancesfromtheFederalHomeLoanBankofNewYorkDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7ea4-947e-9712833520e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7ea4-947e-9712833520e3" xlink:to="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeAxis_019cd32c-c22b-72cb-a767-1d1a174f45df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:to="loc_us-gaap_PledgingPurposeAxis_019cd32c-c22b-72cb-a767-1d1a174f45df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain_019cd32c-c22b-7aa9-8e57-83ca2b3c272e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgingPurposeAxis_019cd32c-c22b-72cb-a767-1d1a174f45df" xlink:to="loc_us-gaap_PledgingPurposeDomain_019cd32c-c22b-7aa9-8e57-83ca2b3c272e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-78de-8be2-e15287c30cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgingPurposeDomain_019cd32c-c22b-7aa9-8e57-83ca2b3c272e" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-78de-8be2-e15287c30cfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019cd32c-c22b-7e75-95f5-cac527c74be4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:to="loc_us-gaap_PledgedStatusAxis_019cd32c-c22b-7e75-95f5-cac527c74be4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cd32c-c22b-7038-9d69-bd058d7a02f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_019cd32c-c22b-7e75-95f5-cac527c74be4" xlink:to="loc_us-gaap_PledgedStatusDomain_019cd32c-c22b-7038-9d69-bd058d7a02f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019cd32c-c22b-757e-afd4-f27f667becf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_019cd32c-c22b-7038-9d69-bd058d7a02f3" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019cd32c-c22b-757e-afd4-f27f667becf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-70f6-ac97-1db78506f1b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-70f6-ac97-1db78506f1b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7967-80a8-4558118769ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-70f6-ac97-1db78506f1b3" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7967-80a8-4558118769ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7936-80b6-494b6e1f05d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7967-80a8-4558118769ee" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7936-80b6-494b6e1f05d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7736-9d81-012f6774c7db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7736-9d81-012f6774c7db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7206-ae27-1fda6f8d5ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-7736-9d81-012f6774c7db" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7206-ae27-1fda6f8d5ed5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7475-abfb-c0f03268e0c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7206-ae27-1fda6f8d5ed5" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7475-abfb-c0f03268e0c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-77d8-b342-35b0a5891071" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_019cd32c-c22b-7cb6-961a-e1b10439c7c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:to="loc_us-gaap_NotesReceivableGross_019cd32c-c22b-7cb6-961a-e1b10439c7c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_019cd32c-c22b-72fb-9920-6cef42adfc3b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_019cd32c-c22b-72fb-9920-6cef42adfc3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FhlbAdvancesWeightedAverageMaturity_019cd32c-c22b-7cb9-8740-6b92fa6b45cf" xlink:href="ofg-20260331.xsd#ofg_FhlbAdvancesWeightedAverageMaturity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:to="loc_ofg_FhlbAdvancesWeightedAverageMaturity_019cd32c-c22b-7cb9-8740-6b92fa6b45cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019cd32c-c22b-7a22-9a03-e82bcbb3cdbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7c5b-bb93-675cfcaefd4a" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019cd32c-c22b-7a22-9a03-e82bcbb3cdbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTScheduleofFederalHomeLoanBankAdvancesAndMaturityDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BORROWINGSANDRELATEDINTERESTScheduleofFederalHomeLoanBankAdvancesAndMaturityDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BORROWINGSANDRELATEDINTERESTScheduleofFederalHomeLoanBankAdvancesAndMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7173-b80a-5984641791ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019cd32c-c22b-7173-b80a-5984641791ef" xlink:to="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-7dfe-912e-f15d0bac5e5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:to="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-7dfe-912e-f15d0bac5e5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7548-8c89-ebf1bec81765" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cd32c-c22b-7dfe-912e-f15d0bac5e5a" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7548-8c89-ebf1bec81765" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FederalLoanHomeBankAdvancesShortTermPeriodMember_019cd32c-c22b-7195-9a91-1b13e780993b" xlink:href="ofg-20260331.xsd#ofg_FederalLoanHomeBankAdvancesShortTermPeriodMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7548-8c89-ebf1bec81765" xlink:to="loc_ofg_FederalLoanHomeBankAdvancesShortTermPeriodMember_019cd32c-c22b-7195-9a91-1b13e780993b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FederalLoanHomeBankAdvancesLongTermPeriodMember_019cd32c-c22b-7e82-80d8-f6b939e922ef" xlink:href="ofg-20260331.xsd#ofg_FederalLoanHomeBankAdvancesLongTermPeriodMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cd32c-c22b-7548-8c89-ebf1bec81765" xlink:to="loc_ofg_FederalLoanHomeBankAdvancesLongTermPeriodMember_019cd32c-c22b-7e82-80d8-f6b939e922ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-75d6-954c-938833382ac9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-75d6-954c-938833382ac9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7222-be7f-e60d637d1fa2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019cd32c-c22b-75d6-954c-938833382ac9" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7222-be7f-e60d637d1fa2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-79b5-9c69-f8d4e49c8a2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cd32c-c22b-7222-be7f-e60d637d1fa2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-79b5-9c69-f8d4e49c8a2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7cd8-8b74-dacd34f45f72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7cd8-8b74-dacd34f45f72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7090-8089-3fc2c07d1cf3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cd32c-c22b-7cd8-8b74-dacd34f45f72" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7090-8089-3fc2c07d1cf3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7b6d-a881-8d93d5895b0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cd32c-c22b-7090-8089-3fc2c07d1cf3" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cd32c-c22b-7b6d-a881-8d93d5895b0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-747e-8cba-afba08808086" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-747e-8cba-afba08808086" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-7346-bffd-bacc04d949d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_019cd32c-c22b-747e-8cba-afba08808086" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-7346-bffd-bacc04d949d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019cd32c-c22b-78c9-a3ee-69b1bebf568d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodOneMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-7346-bffd-bacc04d949d4" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodOneMember_019cd32c-c22b-78c9-a3ee-69b1bebf568d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019cd32c-c22b-7f86-9c7e-952e12e7ee76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentRedemptionPeriodTwoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_019cd32c-c22b-7346-bffd-bacc04d949d4" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodTwoMember_019cd32c-c22b-7f86-9c7e-952e12e7ee76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7f5c-9da7-5235aad19caa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019cd32c-c22b-7ec8-a6c7-5760d78111e8" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7f5c-9da7-5235aad19caa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cd32c-c22b-71c9-8d0c-1f6c0d099066" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7f5c-9da7-5235aad19caa" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cd32c-c22b-71c9-8d0c-1f6c0d099066" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_019cd32c-c22b-7bf3-a247-f45afb3f6aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cd32c-c22b-7f5c-9da7-5235aad19caa" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresInterestRateAtPeriodEnd_019cd32c-c22b-7bf3-a247-f45afb3f6aa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIESOffsettingLiabilitiesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#OFFSETTINGOFFINANCIALASSETSANDLIABILITIESOffsettingLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OFFSETTINGOFFINANCIALASSETSANDLIABILITIESOffsettingLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-77f8-8bec-0d4ac7b5033e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTable_019cd32c-c22b-7b51-aecb-f4ea107afb30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_019cd32c-c22b-77f8-8bec-0d4ac7b5033e" xlink:to="loc_us-gaap_OffsettingLiabilitiesTable_019cd32c-c22b-7b51-aecb-f4ea107afb30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c22b-7dc2-936f-2e96e987f725" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesTable_019cd32c-c22b-7b51-aecb-f4ea107afb30" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c22b-7dc2-936f-2e96e987f725" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c22b-74dd-9968-3ac2bfb1ce94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cd32c-c22b-7dc2-936f-2e96e987f725" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c22b-74dd-9968-3ac2bfb1ce94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-7429-988b-06c923510bae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cd32c-c22b-74dd-9968-3ac2bfb1ce94" xlink:to="loc_us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseMember_019cd32c-c22b-7429-988b-06c923510bae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesTable_019cd32c-c22b-7b51-aecb-f4ea107afb30" xlink:to="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019cd32c-c22b-7a0e-90e7-7ae43e0d80f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019cd32c-c22b-7a0e-90e7-7ae43e0d80f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019cd32c-c22b-70c3-b3fa-11a224a2f2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019cd32c-c22b-70c3-b3fa-11a224a2f2c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetSubjectToMasterNettingArrangement_019cd32c-c22b-7a8d-861e-5b27679ff829" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetSubjectToMasterNettingArrangement_019cd32c-c22b-7a8d-861e-5b27679ff829" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToResellNotOffsetPolicyElectionDeduction_019cd32c-c22b-7288-b5ee-a86fe86a4b55" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToResellNotOffsetPolicyElectionDeduction"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToResellNotOffsetPolicyElectionDeduction_019cd32c-c22b-7288-b5ee-a86fe86a4b55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash_019cd32c-c22b-79a9-9953-4b67b709ca73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash_019cd32c-c22b-79a9-9953-4b67b709ca73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cd32c-c22b-72c6-ae18-acdfc5be7a5d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetAndDeductionSubjectToMasterNettingArrangement"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems_019cd32c-c22b-70dc-9150-934096361702" xlink:to="loc_us-gaap_SecuritySoldUnderAgreementToRepurchaseAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cd32c-c22b-72c6-ae18-acdfc5be7a5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/INCOMETAXESDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#INCOMETAXESDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/INCOMETAXESDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_019cd32c-c22b-7dca-9673-68f380573497" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExaminationTable_019de0ae-63d7-716b-b3a5-02bec067b9b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExaminationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_019cd32c-c22b-7dca-9673-68f380573497" xlink:to="loc_us-gaap_IncomeTaxExaminationTable_019de0ae-63d7-716b-b3a5-02bec067b9b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019de0ae-63d7-73ca-b4a5-7caec4fd0e5a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationTable_019de0ae-63d7-716b-b3a5-02bec067b9b5" xlink:to="loc_srt_StatementScenarioAxis_019de0ae-63d7-73ca-b4a5-7caec4fd0e5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019de0ae-63d7-7b9a-b99b-dda023fa70ac" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019de0ae-63d7-73ca-b4a5-7caec4fd0e5a" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019de0ae-63d7-7b9a-b99b-dda023fa70ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_019de0ae-63d7-731e-be1a-af82102fb66f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioForecastMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScenarioUnspecifiedDomain_019de0ae-63d7-7b9a-b99b-dda023fa70ac" xlink:to="loc_srt_ScenarioForecastMember_019de0ae-63d7-731e-be1a-af82102fb66f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExaminationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationTable_019de0ae-63d7-716b-b3a5-02bec067b9b5" xlink:to="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_019daa2c-49eb-7b2d-9603-9c6bb8c88852" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_019daa2c-49eb-7b2d-9603-9c6bb8c88852" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance_019daa2c-49eb-7e65-a851-61b356c79fa5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_DeferredTaxAssetsValuationAllowance_019daa2c-49eb-7e65-a851-61b356c79fa5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_019daa2c-49eb-742f-ab87-c4271d067bbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_019daa2c-49eb-742f-ab87-c4271d067bbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DeferredTaxLiabilityValuationAllowance_019daa2c-49eb-793a-8477-9cf13fd282cf" xlink:href="ofg-20260331.xsd#ofg_DeferredTaxLiabilityValuationAllowance"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_ofg_DeferredTaxLiabilityValuationAllowance_019daa2c-49eb-793a-8477-9cf13fd282cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_019dfe67-b0d7-77db-99aa-eeebe491b140" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_DeferredTaxLiabilities_019dfe67-b0d7-77db-99aa-eeebe491b140" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_DeferredIncomeTaxAssetsNetValuationAllowance_019daa2c-49eb-74c9-96cd-d9004c3d3d4d" xlink:href="ofg-20260331.xsd#ofg_DeferredIncomeTaxAssetsNetValuationAllowance"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_ofg_DeferredIncomeTaxAssetsNetValuationAllowance_019daa2c-49eb-74c9-96cd-d9004c3d3d4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019daa2c-49eb-7d8a-bcf1-2002e18ab351" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019daa2c-49eb-7d8a-bcf1-2002e18ab351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_019daa2c-49eb-72f2-b0f8-38905466ed7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_ValuationAllowanceDeferredTaxAssetChangeInAmount_019daa2c-49eb-72f2-b0f8-38905466ed7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019daa2c-49eb-72ae-8a13-972e08f16116" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_019daa2c-49eb-72ae-8a13-972e08f16116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_019daa2c-49eb-762b-87d7-c707e3a4dda0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsInterestOnIncomeTaxesAccrued_019daa2c-49eb-762b-87d7-c707e3a4dda0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019daa2c-49eb-7e3d-bc35-fa7f85028230" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxExaminationLineItems_019de0ae-63d7-76b6-82b9-4f85668f9f13" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019daa2c-49eb-7e3d-bc35-fa7f85028230" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTSDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#REGULATORYCAPITALREQUIREMENTSDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/REGULATORYCAPITALREQUIREMENTSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-76f6-80e4-9fa4afa60521" xlink:href="ofg-20260331.xsd#ofg_CapitalDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cd32c-c22c-7346-91a5-be0a12a73649" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_CapitalDisclosureAbstract_019cd32c-c22c-76f6-80e4-9fa4afa60521" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cd32c-c22c-7346-91a5-be0a12a73649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019cd32c-c22c-7d27-b2f1-086bfa21d737" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cd32c-c22c-7346-91a5-be0a12a73649" xlink:to="loc_dei_LegalEntityAxis_019cd32c-c22c-7d27-b2f1-086bfa21d737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cd32c-c22c-7f41-b050-2d149732e563" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019cd32c-c22c-7d27-b2f1-086bfa21d737" xlink:to="loc_dei_EntityDomain_019cd32c-c22c-7f41-b050-2d149732e563" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OFGBancorpMember_019cd32c-c22c-7ea7-8cb8-d5c628014272" xlink:href="ofg-20260331.xsd#ofg_OFGBancorpMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019cd32c-c22c-7f41-b050-2d149732e563" xlink:to="loc_ofg_OFGBancorpMember_019cd32c-c22c-7ea7-8cb8-d5c628014272" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OrientalBankMember_019cd32c-c22c-7d36-8a0b-7ba1c472ea71" xlink:href="ofg-20260331.xsd#ofg_OrientalBankMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019cd32c-c22c-7f41-b050-2d149732e563" xlink:to="loc_ofg_OrientalBankMember_019cd32c-c22c-7d36-8a0b-7ba1c472ea71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cd32c-c22c-7954-91b9-23cebe403eeb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cd32c-c22c-7346-91a5-be0a12a73649" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cd32c-c22c-7954-91b9-23cebe403eeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cd32c-c22c-7954-91b9-23cebe403eeb" xlink:to="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_019cd32c-c22c-77a7-abf3-66aa493cac1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Capital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_Capital_019cd32c-c22c-77a7-abf3-66aa493cac1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_019cd32c-c22c-7928-93bc-45bda9b22959" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_019cd32c-c22c-7928-93bc-45bda9b22959" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_019cd32c-c22c-7e45-a1c0-abc5d2e972b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_019cd32c-c22c-7e45-a1c0-abc5d2e972b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_019cd32c-c22c-73a3-88b8-f45676c53871" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_TierOneLeverageCapital_019cd32c-c22c-73a3-88b8-f45676c53871" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_019cd32c-c22c-7682-ad58-570a3a5bbfc8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_019cd32c-c22c-7682-ad58-570a3a5bbfc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets_019cd32c-c22c-76dd-aabd-d2e7b270bc17" xlink:href="ofg-20260331.xsd#ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets_019cd32c-c22c-76dd-aabd-d2e7b270bc17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_019cd32c-c22c-777f-b7bb-a1091be629f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_019cd32c-c22c-777f-b7bb-a1091be629f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_019cd32c-c22c-78fd-992e-5f0337cd0a6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_019cd32c-c22c-78fd-992e-5f0337cd0a6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_019cd32c-c22c-788c-a9b7-bbaeb2866537" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_019cd32c-c22c-788c-a9b7-bbaeb2866537" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_019cd32c-c22c-7d7a-8956-7dd5d27b8d38" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_019cd32c-c22c-7d7a-8956-7dd5d27b8d38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_019cd32c-c22c-7c49-a4a5-a72622aeae6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_019cd32c-c22c-7c49-a4a5-a72622aeae6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_019cd32c-c22c-781f-82ba-a5ea2cf3013f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_019cd32c-c22c-72f4-9833-a877bd39e699" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_019cd32c-c22c-781f-82ba-a5ea2cf3013f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RiskBasedRatiosAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cd32c-c22c-7954-91b9-23cebe403eeb" xlink:to="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_019cd32c-c22c-75c0-95df-bca24a883131" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_019cd32c-c22c-75c0-95df-bca24a883131" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_019cd32c-c22c-7837-9ba6-94c964a6d1c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_019cd32c-c22c-7837-9ba6-94c964a6d1c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommonEquityTierOneToRiskWeightedAssets_019cd32c-c22c-7316-bc21-def72f38496b" xlink:href="ofg-20260331.xsd#ofg_CommonEquityTierOneToRiskWeightedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_ofg_CommonEquityTierOneToRiskWeightedAssets_019cd32c-c22c-7316-bc21-def72f38496b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_019cd32c-c22c-7f34-8caa-72720faed710" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_019cd32c-c22c-7f34-8caa-72720faed710" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cd32c-c22c-72d0-a139-380115b3b47a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cd32c-c22c-72d0-a139-380115b3b47a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyRatioWithBufferToRiskWeightedAssets_019cd32c-c22c-7af7-94e0-3ab35e3225ee" xlink:href="ofg-20260331.xsd#ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyRatioWithBufferToRiskWeightedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_ofg_TierOneRiskBasedCapitalRequiredForCapitalAdequacyRatioWithBufferToRiskWeightedAssets_019cd32c-c22c-7af7-94e0-3ab35e3225ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets_019cd32c-c22c-7d03-9fd8-fc57814f2ca1" xlink:href="ofg-20260331.xsd#ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_ofg_CommonEquityTierOneRequiredForCapitalAdequacyToRiskWeightedAssets_019cd32c-c22c-7d03-9fd8-fc57814f2ca1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_019cd32c-c22c-7736-b236-aaaa55d29f30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_019cd32c-c22c-7736-b236-aaaa55d29f30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-7946-8616-c46954a7d326" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-7946-8616-c46954a7d326" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-7d41-b727-6bcba9359961" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-7d41-b727-6bcba9359961" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TierOneRiskCommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-76e0-9517-8df9cc87a7fd" xlink:href="ofg-20260331.xsd#ofg_TierOneRiskCommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_ofg_TierOneRiskCommonEquityTierOneRequiredToBeWellCapitalizedToRiskWeightedAssets_019cd32c-c22c-76e0-9517-8df9cc87a7fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_019cd32c-c22c-7fa6-a97c-5a799929074d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RiskBasedRatiosAbstract_019cd32c-c22c-7a89-9f4f-cc7e345786e1" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_019cd32c-c22c-7fa6-a97c-5a799929074d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#STOCKHOLDERSEQUITYNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-7a1d-8da8-adcb3aca5017" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019cd32c-c22c-7e7b-8055-39e5966d8ad7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-7a1d-8da8-adcb3aca5017" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019cd32c-c22c-7e7b-8055-39e5966d8ad7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cd32c-c22c-77b3-8c3c-b05071e3f0de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cd32c-c22c-7e7b-8055-39e5966d8ad7" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cd32c-c22c-77b3-8c3c-b05071e3f0de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cd32c-c22c-7476-8f20-3f201b359e3e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cd32c-c22c-77b3-8c3c-b05071e3f0de" xlink:to="loc_us-gaap_ClassOfStockDomain_019cd32c-c22c-7476-8f20-3f201b359e3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cd32c-c22c-7b73-bd49-64f125a39931" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_019cd32c-c22c-7476-8f20-3f201b359e3e" xlink:to="loc_us-gaap_CommonStockMember_019cd32c-c22c-7b73-bd49-64f125a39931" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_019cd32c-c22c-7fa4-8773-ed2dadcdd723" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cd32c-c22c-7e7b-8055-39e5966d8ad7" xlink:to="loc_srt_ShareRepurchaseProgramAxis_019cd32c-c22c-7fa4-8773-ed2dadcdd723" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_019cd32c-c22c-7a64-b645-bc9d44354c5e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramAxis_019cd32c-c22c-7fa4-8773-ed2dadcdd723" xlink:to="loc_srt_ShareRepurchaseProgramDomain_019cd32c-c22c-7a64-b645-bc9d44354c5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_January2026StockRepurchaseProgramMember_019de077-3cf8-7825-8383-2094440ff25e" xlink:href="ofg-20260331.xsd#ofg_January2026StockRepurchaseProgramMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_019cd32c-c22c-7a64-b645-bc9d44354c5e" xlink:to="loc_ofg_January2026StockRepurchaseProgramMember_019de077-3cf8-7825-8383-2094440ff25e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_April2025StockRepurchaseProgramMember_019cd32c-c22c-7261-85ab-3625ad9310b4" xlink:href="ofg-20260331.xsd#ofg_April2025StockRepurchaseProgramMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ShareRepurchaseProgramDomain_019cd32c-c22c-7a64-b645-bc9d44354c5e" xlink:to="loc_ofg_April2025StockRepurchaseProgramMember_019cd32c-c22c-7261-85ab-3625ad9310b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityClassOfTreasuryStockLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cd32c-c22c-7e7b-8055-39e5966d8ad7" xlink:to="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cd32c-c22c-7a68-858f-e9ec3b147e14" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_CommonStockValue_019cd32c-c22c-7a68-858f-e9ec3b147e14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_IssuanceCostsStock_019cd32c-c22c-7c98-abf6-f9bbef86edf1" xlink:href="ofg-20260331.xsd#ofg_IssuanceCostsStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_ofg_IssuanceCostsStock_019cd32c-c22c-7c98-abf6-f9bbef86edf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_019cd32c-c22c-74f0-9eda-73a7a3712143" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_019cd32c-c22c-74f0-9eda-73a7a3712143" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TransferToLegalSurplus_019cd32c-c22c-7cb3-9b48-65af03fc5b2d" xlink:href="ofg-20260331.xsd#ofg_TransferToLegalSurplus"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_ofg_TransferToLegalSurplus_019cd32c-c22c-7cb3-9b48-65af03fc5b2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_019cd32c-c22c-7d79-9beb-df86bd8ec979" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_019cd32c-c22c-7d79-9beb-df86bd8ec979" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_019cd32c-c22c-797f-9397-7a4df60f4ba4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_019cd32c-c22c-797f-9397-7a4df60f4ba4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c22c-78d1-98f1-380082420045" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c22c-78d1-98f1-380082420045" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_019cd32c-c22c-773c-b3db-5ed28a0e68fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_019cd32c-c22c-773c-b3db-5ed28a0e68fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased_019cd32c-c22c-7da2-ac02-e754ecfdaae6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingNumberOfSharesAuthorizedToBeRepurchased_019cd32c-c22c-7da2-ac02-e754ecfdaae6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_019cd32c-c22c-73d0-b9ac-f2de98e7140c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_019cd32c-c22c-73d0-b9ac-f2de98e7140c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_019cd32c-c22c-702c-91ea-7302758af653" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharePrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_SharePrice_019cd32c-c22c-702c-91ea-7302758af653" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019cd32c-c22c-7c59-9df4-08738974ab30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityClassOfTreasuryStockLineItems_019cd32c-c22c-72f9-9879-6186779703bd" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019cd32c-c22c-7c59-9df4-08738974ab30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYActivityofCommonSharesHeldinTreasuryDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#STOCKHOLDERSEQUITYActivityofCommonSharesHeldinTreasuryDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/STOCKHOLDERSEQUITYActivityofCommonSharesHeldinTreasuryDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-78c1-ae2c-4684c94eabc9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:href="ofg-20260331.xsd#ofg_TreasuryStockSharesRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-78c1-ae2c-4684c94eabc9" xlink:to="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c22c-7edf-a790-3ecbfa35d87c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:to="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c22c-7edf-a790-3ecbfa35d87c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised_019cd32c-c22c-73cc-bad4-8a56703ef380" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsExercised_019cd32c-c22c-73cc-bad4-8a56703ef380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_019cd32c-c22c-76f1-afd0-80a70317a239" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_019cd32c-c22c-76f1-afd0-80a70317a239" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c22c-7510-a318-3344c7d004bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockSharesRollForward_019cd32c-c22c-716d-a4fa-d6bc7d53e896" xlink:to="loc_us-gaap_TreasuryStockCommonShares_019cd32c-c22c-7510-a318-3344c7d004bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:href="ofg-20260331.xsd#ofg_TreasuryStockValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_019cd32c-c22c-78c1-ae2c-4684c94eabc9" xlink:to="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCarryingBasis_019cd32c-c22c-7887-8d42-0bb181dcec42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCarryingBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:to="loc_us-gaap_TreasuryStockCarryingBasis_019cd32c-c22c-7887-8d42-0bb181dcec42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits_019cd32c-c22c-736d-bc82-304c4480268a" xlink:href="ofg-20260331.xsd#ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:to="loc_ofg_CommonSharesAmountUsedForExerciseOfRestrictedStockUnits_019cd32c-c22c-736d-bc82-304c4480268a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c22c-7928-811d-2acde69c030e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cd32c-c22c-7928-811d-2acde69c030e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCarryingBasis_019cd32c-c22c-7a9e-9114-301c6b460bb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCarryingBasis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_TreasuryStockValueRollForward_019cd32c-c22c-7fb7-a3b6-385c4b539e2e" xlink:to="loc_us-gaap_TreasuryStockCarryingBasis_019cd32c-c22c-7a9e-9114-301c6b460bb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSAccumulatedComprehensiveIncomeNetofIncomeTaxDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSAccumulatedComprehensiveIncomeNetofIncomeTaxDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSAccumulatedComprehensiveIncomeNetofIncomeTaxDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019cd32c-c22c-7516-8f51-e45c2360fbbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-755e-8684-d717d0927d47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-7516-8f51-e45c2360fbbe" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-755e-8684-d717d0927d47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7f6b-9ec7-4b0db27a7319" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-755e-8684-d717d0927d47" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7f6b-9ec7-4b0db27a7319" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7b7a-8f15-d5687e63a317" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7f6b-9ec7-4b0db27a7319" xlink:to="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7b7a-8f15-d5687e63a317" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7117-8264-cc79e39c8538" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7b7a-8f15-d5687e63a317" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7117-8264-cc79e39c8538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-709e-80c0-33c1edd7be48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-755e-8684-d717d0927d47" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-709e-80c0-33c1edd7be48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociBeforeTaxAttributableToParent_019cd32c-c22c-7bbf-ad1c-28280f585540" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociBeforeTaxAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-709e-80c0-33c1edd7be48" xlink:to="loc_us-gaap_AociBeforeTaxAttributableToParent_019cd32c-c22c-7bbf-ad1c-28280f585540" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociTaxAttributableToParent_019cd32c-c22c-7242-8077-a2a367a673c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AociTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-709e-80c0-33c1edd7be48" xlink:to="loc_us-gaap_AociTaxAttributableToParent_019cd32c-c22c-7242-8077-a2a367a673c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7854-a8f8-7d88fe8188b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-709e-80c0-33c1edd7be48" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7854-a8f8-7d88fe8188b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSChangesinOtherComprehensiveIncomebyComponentsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSChangesinOtherComprehensiveIncomebyComponentsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSChangesinOtherComprehensiveIncomebyComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019cd32c-c22c-75fd-940a-4acc2286e3bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-7bdc-b7e7-0aff466ed033" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-75fd-940a-4acc2286e3bd" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-7bdc-b7e7-0aff466ed033" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7ca8-b9bf-6266e9dae5f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-7bdc-b7e7-0aff466ed033" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7ca8-b9bf-6266e9dae5f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-77af-9191-e8f2c1037c94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7ca8-b9bf-6266e9dae5f4" xlink:to="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-77af-9191-e8f2c1037c94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cd32c-c22c-74b6-a512-4a0425a2d338" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-77af-9191-e8f2c1037c94" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cd32c-c22c-74b6-a512-4a0425a2d338" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7a21-9c6f-6ee4510a21ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cd32c-c22c-74b6-a512-4a0425a2d338" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7a21-9c6f-6ee4510a21ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-795d-a14a-393afa524d7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cd32c-c22c-7bdc-b7e7-0aff466ed033" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-795d-a14a-393afa524d7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cd32c-c22c-795d-a14a-393afa524d7f" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7592-b4b4-e2efc77d2783" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7592-b4b4-e2efc77d2783" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cd32c-c22c-7bc7-83bb-75ed0918cc20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cd32c-c22c-7bc7-83bb-75ed0918cc20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cd32c-c22c-70ce-9586-971d28d5b95d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cd32c-c22c-70ce-9586-971d28d5b95d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cd32c-c22c-72e6-b074-b4ea9af5ff06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cd32c-c22c-72e6-b074-b4ea9af5ff06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7300-8eeb-c2daa142ee2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cd32c-c22c-72f5-9323-209abb4fd074" xlink:to="loc_us-gaap_StockholdersEquity_019cd32c-c22c-7300-8eeb-c2daa142ee2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSReclassificationsOutofOtherComprehensiveIncomeLossDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#ACCUMULATEDOTHERCOMPREHENSIVELOSSReclassificationsOutofOtherComprehensiveIncomeLossDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ACCUMULATEDOTHERCOMPREHENSIVELOSSReclassificationsOutofOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019cd32c-c22c-7a5b-ab6b-a428427c3068" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_019cd32c-c22c-7787-8a81-affb57f03c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019cd32c-c22c-7a5b-ab6b-a428427c3068" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_019cd32c-c22c-7787-8a81-affb57f03c6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_019cd32c-c22c-7405-a47e-d4f78afb7260" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_019cd32c-c22c-7787-8a81-affb57f03c6b" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_019cd32c-c22c-7405-a47e-d4f78afb7260" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_019cd32c-c22c-7295-9238-7317e2f9f8c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_019cd32c-c22c-7405-a47e-d4f78afb7260" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_019cd32c-c22c-7295-9238-7317e2f9f8c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_019cd32c-c22c-77ab-aa6d-5870fac3c73c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_019cd32c-c22c-7295-9238-7317e2f9f8c4" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_019cd32c-c22c-77ab-aa6d-5870fac3c73c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7311-9bbc-718e7852b4fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_019cd32c-c22c-7787-8a81-affb57f03c6b" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7311-9bbc-718e7852b4fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7532-827d-61c39c3bcab5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cd32c-c22c-7311-9bbc-718e7852b4fe" xlink:to="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7532-827d-61c39c3bcab5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7614-83c8-89732f38611e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019cd32c-c22c-7532-827d-61c39c3bcab5" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cd32c-c22c-7614-83c8-89732f38611e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_019cd32c-c22c-732f-bbc6-bb6e559d1823" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_019cd32c-c22c-7787-8a81-affb57f03c6b" xlink:to="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_019cd32c-c22c-732f-bbc6-bb6e559d1823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c22c-7636-bdaa-40f757dd529a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_019cd32c-c22c-732f-bbc6-bb6e559d1823" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c22c-7636-bdaa-40f757dd529a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cd32c-c22c-7c91-aadf-87f972c52f21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_019cd32c-c22c-732f-bbc6-bb6e559d1823" xlink:to="loc_us-gaap_NetIncomeLoss_019cd32c-c22c-7c91-aadf-87f972c52f21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHAREScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#EARNINGSPERCOMMONSHAREScheduleofEarningsPerShareBasicandDilutedDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHAREScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cd32c-c22c-7490-98ac-d56e29bafcc5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cd32c-c22c-7490-98ac-d56e29bafcc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cd32c-c22c-73fe-b021-5d46345785f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cd32c-c22c-73fe-b021-5d46345785f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019cd32c-c22c-79a2-bbaa-6c4b9038e077" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019cd32c-c22c-79a2-bbaa-6c4b9038e077" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cd32c-c22c-75bd-9317-244a796ffea6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cd32c-c22c-75bd-9317-244a796ffea6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019cd32c-c22c-707d-9ee7-d4cd3bba1c91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_EarningsPerShareBasic_019cd32c-c22c-707d-9ee7-d4cd3bba1c91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019cd32c-c22c-722c-b98e-e7e06aa2eccf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-719a-9eb9-7716f3ea78f7" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019cd32c-c22c-722c-b98e-e7e06aa2eccf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARENarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#EARNINGSPERCOMMONSHARENarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/EARNINGSPERCOMMONSHARENarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-706d-828b-a0b8b256d0bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019cd32c-c22c-7f68-b066-93fef9ec65da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-706d-828b-a0b8b256d0bf" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019cd32c-c22c-7f68-b066-93fef9ec65da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_019cd32c-c22c-756b-add1-090e18c14ec8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cd32c-c22c-706d-828b-a0b8b256d0bf" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_019cd32c-c22c-756b-add1-090e18c14ec8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GUARANTEESNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GUARANTEESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GUARANTEESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7d79-9a13-bfc49c5047ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGuaranteeObligationsTable_019cd32c-c22c-75dc-bd15-e3f9e10ceb99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfGuaranteeObligationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7d79-9a13-bfc49c5047ca" xlink:to="loc_us-gaap_ScheduleOfGuaranteeObligationsTable_019cd32c-c22c-75dc-bd15-e3f9e10ceb99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusAxis_019daa33-d040-72b2-a819-7b2d79080fe1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGuaranteeObligationsTable_019cd32c-c22c-75dc-bd15-e3f9e10ceb99" xlink:to="loc_us-gaap_RecourseStatusAxis_019daa33-d040-72b2-a819-7b2d79080fe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusDomain_019daa33-d040-77fb-84b7-1d6845fb604a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RecourseStatusAxis_019daa33-d040-72b2-a819-7b2d79080fe1" xlink:to="loc_us-gaap_RecourseStatusDomain_019daa33-d040-77fb-84b7-1d6845fb604a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseMember_019daa33-d040-7bda-88c1-c60858900169" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RecourseStatusDomain_019daa33-d040-77fb-84b7-1d6845fb604a" xlink:to="loc_us-gaap_RecourseMember_019daa33-d040-7bda-88c1-c60858900169" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonrecourseMember_019daa33-eaf9-75c1-b02c-690ebfe28e9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonrecourseMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RecourseStatusDomain_019daa33-d040-77fb-84b7-1d6845fb604a" xlink:to="loc_us-gaap_NonrecourseMember_019daa33-eaf9-75c1-b02c-690ebfe28e9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis_019daa33-eaf9-77cf-8f69-fd810c1f435c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsByNatureAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGuaranteeObligationsTable_019cd32c-c22c-75dc-bd15-e3f9e10ceb99" xlink:to="loc_us-gaap_GuaranteeObligationsByNatureAxis_019daa33-eaf9-77cf-8f69-fd810c1f435c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_019daa33-eaf9-7128-825d-6f5a0e38b15c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_019daa33-eaf9-77cf-8f69-fd810c1f435c" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_019daa33-eaf9-7128-825d-6f5a0e38b15c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LoanServicedUnderRepresentationWarrantiesMember_019daa33-eaf9-7551-b80d-7a06a8f4bf46" xlink:href="ofg-20260331.xsd#ofg_LoanServicedUnderRepresentationWarrantiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_019daa33-eaf9-7128-825d-6f5a0e38b15c" xlink:to="loc_ofg_LoanServicedUnderRepresentationWarrantiesMember_019daa33-eaf9-7551-b80d-7a06a8f4bf46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGuaranteeObligationsTable_019cd32c-c22c-75dc-bd15-e3f9e10ceb99" xlink:to="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees_019daa33-d040-7dc3-8fed-1ca53411d5d4" xlink:href="ofg-20260331.xsd#ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_AcquiredStandbyLettersOfCreditAndFinancialGuarantees_019daa33-d040-7dc3-8fed-1ca53411d5d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_019daa33-d040-7da9-811b-552374f47b34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_019daa33-d040-7da9-811b-552374f47b34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized_019daa33-d040-7a65-9578-5f7f96d54352" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_us-gaap_ObligationWithJointAndSeveralLiabilityArrangementAmountRecognized_019daa33-d040-7a65-9578-5f7f96d54352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_RepurchasedLoansSubjectToCreditRecourseProvision_019dfa8c-b666-77ed-9cc7-79239fd2a5d9" xlink:href="ofg-20260331.xsd#ofg_RepurchasedLoansSubjectToCreditRecourseProvision"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_RepurchasedLoansSubjectToCreditRecourseProvision_019dfa8c-b666-77ed-9cc7-79239fd2a5d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision_019daa33-eaf9-7aca-b114-75eff425d131" xlink:href="ofg-20260331.xsd#ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_RepurchasedLoansNotSubjectToCreditRecourseProvision_019daa33-eaf9-7aca-b114-75eff425d131" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019daa33-eaf9-766c-adae-e3e90392a952" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_019daa33-eaf9-766c-adae-e3e90392a952" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AmountOfServicedLoans_019daa33-eaf9-7fda-a926-3e12fc0dfe9e" xlink:href="ofg-20260331.xsd#ofg_AmountOfServicedLoans"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_AmountOfServicedLoans_019daa33-eaf9-7fda-a926-3e12fc0dfe9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FundsAdvancedToInvestorsUnderServicingAgreements_019daa33-eaf9-71ea-9a4e-dbe40787a8e5" xlink:href="ofg-20260331.xsd#ofg_FundsAdvancedToInvestorsUnderServicingAgreements"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_FundsAdvancedToInvestorsUnderServicingAgreements_019daa33-eaf9-71ea-9a4e-dbe40787a8e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_RepurchasedLoan_019daa39-f2ed-74cf-a98e-1ec19be5f919" xlink:href="ofg-20260331.xsd#ofg_RepurchasedLoan"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsLineItems_019daa33-d040-7088-ad37-b5a0d91cd15d" xlink:to="loc_ofg_RepurchasedLoan_019daa39-f2ed-74cf-a98e-1ec19be5f919" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/GUARANTEESChangesinLiabilityofEstimatedLossfromCreditRecourseAgreementDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#GUARANTEESChangesinLiabilityofEstimatedLossfromCreditRecourseAgreementDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/GUARANTEESChangesinLiabilityofEstimatedLossfromCreditRecourseAgreementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7fb8-b5b4-7da863c4e003" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_019cd32c-c22c-720e-9bc7-bf3c74288907" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteesAbstract_019cd32c-c22c-7fb8-b5b4-7da863c4e003" xlink:to="loc_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_019cd32c-c22c-720e-9bc7-bf3c74288907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_019cd32c-c22c-7cf1-b984-ae68807e6071" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_019cd32c-c22c-720e-9bc7-bf3c74288907" xlink:to="loc_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_019cd32c-c22c-7cf1-b984-ae68807e6071" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteedBenefitLiabilityGrossPeriodIncreaseDecrease_019cd32c-c22c-7922-b14b-5297e2aa8594" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteedBenefitLiabilityGrossPeriodIncreaseDecrease"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_019cd32c-c22c-720e-9bc7-bf3c74288907" xlink:to="loc_us-gaap_GuaranteedBenefitLiabilityGrossPeriodIncreaseDecrease_019cd32c-c22c-7922-b14b-5297e2aa8594" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_019cd32c-c22c-7fb2-88cf-3c736098356d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInGuaranteedBenefitLiabilityGrossRollForward_019cd32c-c22c-720e-9bc7-bf3c74288907" xlink:to="loc_us-gaap_LiabilitiesForGuaranteesOnLongDurationContractsGuaranteedBenefitLiabilityGross_019cd32c-c22c-7fb2-88cf-3c736098356d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESCreditRelatedFinancialInstrumentsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#COMMITMENTSANDCONTINGENCIESCreditRelatedFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESCreditRelatedFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-7a38-a6cb-205b325d58ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-70e0-a7d0-aedbfe3431af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-7a38-a6cb-205b325d58ab" xlink:to="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-70e0-a7d0-aedbfe3431af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusAxis_019cd32c-c22c-7ba6-8b78-69687e80ff3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-70e0-a7d0-aedbfe3431af" xlink:to="loc_us-gaap_RecourseStatusAxis_019cd32c-c22c-7ba6-8b78-69687e80ff3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseStatusDomain_019cd32c-c22c-74ec-80ff-1bfa3b1e3f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RecourseStatusAxis_019cd32c-c22c-7ba6-8b78-69687e80ff3f" xlink:to="loc_us-gaap_RecourseStatusDomain_019cd32c-c22c-74ec-80ff-1bfa3b1e3f8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RecourseMember_019cd32c-c22c-7183-bb43-a0dc37d73e42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RecourseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RecourseStatusDomain_019cd32c-c22c-74ec-80ff-1bfa3b1e3f8d" xlink:to="loc_us-gaap_RecourseMember_019cd32c-c22c-7183-bb43-a0dc37d73e42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-70e0-a7d0-aedbfe3431af" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnusedCommitmentsToExtendCredit_019cd32c-c22c-76c6-b502-09d6f40e34bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnusedCommitmentsToExtendCredit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:to="loc_us-gaap_UnusedCommitmentsToExtendCredit_019cd32c-c22c-76c6-b502-09d6f40e34bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CommercialLettersCredit_019cd32c-c22c-7a87-bf76-9462636fd409" xlink:href="ofg-20260331.xsd#ofg_CommercialLettersCredit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:to="loc_ofg_CommercialLettersCredit_019cd32c-c22c-7a87-bf76-9462636fd409" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_StandbyLettersOfCreditAndFinancialGuarantees_019cd32c-c22c-7ffb-8ea8-43a1f8ea3b65" xlink:href="ofg-20260331.xsd#ofg_StandbyLettersOfCreditAndFinancialGuarantees"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:to="loc_ofg_StandbyLettersOfCreditAndFinancialGuarantees_019cd32c-c22c-7ffb-8ea8-43a1f8ea3b65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_019cd32c-c22c-7890-9eb6-378909d4327b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-76da-9f64-afd599383d28" xlink:to="loc_us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding_019cd32c-c22c-7890-9eb6-378909d4327b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#COMMITMENTSANDCONTINGENCIESNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-7b8c-af3b-c2fcc2679230" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-7087-a41e-7d786149e9c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019cd32c-c22c-7b8c-af3b-c2fcc2679230" xlink:to="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-7087-a41e-7d786149e9c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis_019cd32c-c22c-7c25-a7b9-715322aa4fab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-7087-a41e-7d786149e9c3" xlink:to="loc_us-gaap_OtherCommitmentsAxis_019cd32c-c22c-7c25-a7b9-715322aa4fab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_019cd32c-c22c-76c9-93f5-03ede323463e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsAxis_019cd32c-c22c-7c25-a7b9-715322aa4fab" xlink:to="loc_us-gaap_OtherCommitmentsDomain_019cd32c-c22c-76c9-93f5-03ede323463e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TechnologyCommitmentsMember_019cd32c-c22c-7811-a7af-f465b71f4d2b" xlink:href="ofg-20260331.xsd#ofg_TechnologyCommitmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019cd32c-c22c-76c9-93f5-03ede323463e" xlink:to="loc_ofg_TechnologyCommitmentsMember_019cd32c-c22c-7811-a7af-f465b71f4d2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_019cd32c-c22c-793a-b41c-f6a041b16297" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-7087-a41e-7d786149e9c3" xlink:to="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_019cd32c-c22c-793a-b41c-f6a041b16297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyNatureDomain_019cd32c-c22c-7945-96ab-c1659d1b191d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_019cd32c-c22c-793a-b41c-f6a041b16297" xlink:to="loc_us-gaap_LossContingencyNatureDomain_019cd32c-c22c-7945-96ab-c1659d1b191d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LegalContingenciesMember_019cd32c-c22c-7e8d-a16f-0724cb5ba099" xlink:href="ofg-20260331.xsd#ofg_LegalContingenciesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_019cd32c-c22c-7945-96ab-c1659d1b191d" xlink:to="loc_ofg_LegalContingenciesMember_019cd32c-c22c-7e8d-a16f-0724cb5ba099" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PotentialLossesOperationalErrorsTheftAndUncollectibleReceivablesMember_019cd32c-c22c-7de3-9976-397ebb954355" xlink:href="ofg-20260331.xsd#ofg_PotentialLossesOperationalErrorsTheftAndUncollectibleReceivablesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_019cd32c-c22c-7945-96ab-c1659d1b191d" xlink:to="loc_ofg_PotentialLossesOperationalErrorsTheftAndUncollectibleReceivablesMember_019cd32c-c22c-7de3-9976-397ebb954355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_019cd32c-c22c-7087-a41e-7d786149e9c3" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffBalanceSheetCreditLossLiability_019cd32c-c22c-7893-8596-5046eb3c33f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffBalanceSheetCreditLossLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:to="loc_us-gaap_OffBalanceSheetCreditLossLiability_019cd32c-c22c-7893-8596-5046eb3c33f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherNonCreditCommitments_019cd32c-c22c-7f54-839d-4f442b009a45" xlink:href="ofg-20260331.xsd#ofg_OtherNonCreditCommitments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:to="loc_ofg_OtherNonCreditCommitments_019cd32c-c22c-7f54-839d-4f442b009a45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_019cd32c-c22c-7f9d-947e-11e332430205" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:to="loc_us-gaap_OtherCommitment_019cd32c-c22c-7f9d-947e-11e332430205" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualAtCarryingValue_019cd32c-c22c-7a8a-893e-5401cb8177ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyAccrualAtCarryingValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019cd32c-c22c-7a5a-bbba-9d30b1e152f7" xlink:to="loc_us-gaap_LossContingencyAccrualAtCarryingValue_019cd32c-c22c-7a8a-893e-5401cb8177ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseCostDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASESOperatingLeaseCostDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseCostDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LesseeOperatingLeaseNumberOfExtensionOptions_019cd32c-c22c-7c4e-85a0-599db12b5da5" xlink:href="ofg-20260331.xsd#ofg_LesseeOperatingLeaseNumberOfExtensionOptions"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_ofg_LesseeOperatingLeaseNumberOfExtensionOptions_019cd32c-c22c-7c4e-85a0-599db12b5da5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_019cd32c-c22c-791f-9536-2116a99f36fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_us-gaap_OperatingLeaseCost_019cd32c-c22c-791f-9536-2116a99f36fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_019cd32c-c22c-77a2-8737-40fc45e7bb85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableLeaseCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_us-gaap_VariableLeaseCost_019cd32c-c22c-77a2-8737-40fc45e7bb85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermLeaseCost_019cd32c-c22c-7a51-9c4e-89699851d022" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermLeaseCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_us-gaap_ShortTermLeaseCost_019cd32c-c22c-7a51-9c4e-89699851d022" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubleaseIncome_019cd32c-c22c-70fb-993f-387ef08b3e4b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubleaseIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_us-gaap_SubleaseIncome_019cd32c-c22c-70fb-993f-387ef08b3e4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_019cd32c-c22c-7b19-b63c-d1d28f289d9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCost"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7747-bb1f-e33d4e8e8e94" xlink:to="loc_us-gaap_LeaseCost_019cd32c-c22c-7b19-b63c-d1d28f289d9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASESOperatingLeaseAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7017-997d-cf7d94e9d2d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019cd32c-c22c-7417-b5ff-eccca804790c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7017-997d-cf7d94e9d2d0" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019cd32c-c22c-7417-b5ff-eccca804790c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019cd32c-c22c-7124-bee5-a4d25a0d1457" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7017-997d-cf7d94e9d2d0" xlink:to="loc_us-gaap_OperatingLeaseLiability_019cd32c-c22c-7124-bee5-a4d25a0d1457" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseTermsDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASESOperatingLeaseTermsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASESOperatingLeaseTermsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-71f6-803c-148dcb1f4d48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_019cd32c-c22c-7b47-927a-a5f119c577a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-71f6-803c-148dcb1f4d48" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_019cd32c-c22c-7b47-927a-a5f119c577a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_019cd32c-c22c-7ae2-a79a-7e322e19552a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-71f6-803c-148dcb1f4d48" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_019cd32c-c22c-7ae2-a79a-7e322e19552a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/OPERATINGLEASESFutureMinimumPaymentsforOperatingLeasesandPresentValueDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#OPERATINGLEASESFutureMinimumPaymentsforOperatingLeasesandPresentValueDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/OPERATINGLEASESFutureMinimumPaymentsforOperatingLeasesandPresentValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_019d1e3c-9dd2-7e39-82cd-99fcdcede250" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_019d1e3c-9dd2-7e39-82cd-99fcdcede250" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_019d1e3c-9dd2-798e-93a2-f809a4c31dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_019d1e3c-9dd2-798e-93a2-f809a4c31dcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_019d1e3c-9dd2-70da-950d-fba40b8d69c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_019d1e3c-9dd2-70da-950d-fba40b8d69c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_019d1e3c-9dd2-7f90-9193-afb587824ab1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_019d1e3c-9dd2-7f90-9193-afb587824ab1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_019d1e3c-9dd2-7f0a-978d-c386fb3e9fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_019d1e3c-9dd2-7f0a-978d-c386fb3e9fc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_019d1e3c-9dd2-7688-af17-0257408bb521" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_019d1e3c-9dd2-7688-af17-0257408bb521" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019d1e3c-9dd2-752f-8d99-e226f2536241" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_019d1e3c-9dd2-752f-8d99-e226f2536241" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_019d1e3c-9dd2-7e2e-96c4-84e9b2216bb7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_019d1e3c-9dd2-7e2e-96c4-84e9b2216bb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_019d1e3c-9dd2-7bd8-b763-98f72c335a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LesseeDisclosureAbstract_019cd32c-c22c-7d71-b70f-a513dcd3149c" xlink:to="loc_us-gaap_OperatingLeaseLiability_019d1e3c-9dd2-7bd8-b763-98f72c335a9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7c67-964f-7771ed97af76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-799a-8e02-6cb3eabb87e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7c67-964f-7771ed97af76" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-799a-8e02-6cb3eabb87e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-70f8-8932-484cbfb78e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-799a-8e02-6cb3eabb87e2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-70f8-8932-484cbfb78e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c22c-7858-81b3-ef06c2cd11d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-70f8-8932-484cbfb78e0a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c22c-7858-81b3-ef06c2cd11d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c22c-7f1e-8c08-466f1ca4c6bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c22c-7858-81b3-ef06c2cd11d2" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c22c-7f1e-8c08-466f1ca4c6bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c22c-7244-a4d2-e77bdce3c57f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-799a-8e02-6cb3eabb87e2" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c22c-7244-a4d2-e77bdce3c57f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c22c-7a07-a4e8-2b73f4978789" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c22c-7244-a4d2-e77bdce3c57f" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c22c-7a07-a4e8-2b73f4978789" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c22c-7e0e-817f-5931d484bbbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c22c-7a07-a4e8-2b73f4978789" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c22c-7e0e-817f-5931d484bbbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019cd32c-c22c-7f7b-9689-c0388ee4b306" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c22c-7a07-a4e8-2b73f4978789" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019cd32c-c22c-7f7b-9689-c0388ee4b306" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-799a-8e02-6cb3eabb87e2" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c22c-7fa8-bec0-faa1be3fa774" xlink:href="ofg-20260331.xsd#ofg_CollateralDependantLoansFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:to="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c22c-7fa8-bec0-faa1be3fa774" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c22c-7b08-9e69-237dc2d8f33a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cd32c-c22c-7b08-9e69-237dc2d8f33a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralDependentLoansFairValueNet_019cd32c-c22c-74f9-a13d-8bd3854abc13" xlink:href="ofg-20260331.xsd#ofg_CollateralDependentLoansFairValueNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:to="loc_ofg_CollateralDependentLoansFairValueNet_019cd32c-c22c-74f9-a13d-8bd3854abc13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_019cd32c-c22c-735b-a07d-9e052ae42608" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c22c-7f68-a46d-a678d860543a" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_019cd32c-c22c-735b-a07d-9e052ae42608" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSAssetsandLiabilitiesonRecurringandNonRecurringBasisDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSAssetsandLiabilitiesonRecurringandNonRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSAssetsandLiabilitiesonRecurringandNonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7882-a941-631f182450b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-706a-bf94-fc959c2670d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c22c-7882-a941-631f182450b7" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-706a-bf94-fc959c2670d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-7a87-acd5-d37b450a053c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-706a-bf94-fc959c2670d6" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-7a87-acd5-d37b450a053c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7629-bef6-e3c570a18acb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c22c-7a87-acd5-d37b450a053c" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7629-bef6-e3c570a18acb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019cd32c-c2dd-787c-9840-3be091f25437" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7629-bef6-e3c570a18acb" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019cd32c-c2dd-787c-9840-3be091f25437" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019cd32c-c2dd-7e7a-a0aa-91abea93681f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7629-bef6-e3c570a18acb" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019cd32c-c2dd-7e7a-a0aa-91abea93681f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-76c9-97fc-88974c752fe6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7629-bef6-e3c570a18acb" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-76c9-97fc-88974c752fe6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7218-8d46-e55c3c8ebf07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-706a-bf94-fc959c2670d6" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7218-8d46-e55c3c8ebf07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-787b-8283-8abd2c611dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7218-8d46-e55c3c8ebf07" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-787b-8283-8abd2c611dc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c2dd-7953-af43-efa9c0f2cb20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-787b-8283-8abd2c611dc2" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c2dd-7953-af43-efa9c0f2cb20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019cd32c-c2dd-7338-a197-8eaefb4c8c65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-787b-8283-8abd2c611dc2" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019cd32c-c2dd-7338-a197-8eaefb4c8c65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c22c-706a-bf94-fc959c2670d6" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cd32c-c2dd-77bc-baf3-9789a830e4d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cd32c-c2dd-77bc-baf3-9789a830e4d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019cd32c-c2dd-700c-8db5-0b31e96b9702" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019cd32c-c2dd-700c-8db5-0b31e96b9702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c2dd-734a-ba06-b1639a706ef4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MoneyMarketFundsAtCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_MoneyMarketFundsAtCarryingValue_019cd32c-c2dd-734a-ba06-b1639a706ef4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-7b0a-afab-a7811e1e3f61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-7b0a-afab-a7811e1e3f61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cd32c-c2dd-7bfa-a583-aed0db89a100" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019cd32c-c2dd-7bfa-a583-aed0db89a100" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c2dd-7023-80b3-fba8df571a58" xlink:href="ofg-20260331.xsd#ofg_CollateralDependantLoansFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c2dd-7023-80b3-fba8df571a58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c2dd-7dce-8578-a711b5266f48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c2dd-7dce-8578-a711b5266f48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_019cd32c-c2dd-7ad5-9366-dfb2c82ce9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_OtherForeclosedAssets_019cd32c-c2dd-7ad5-9366-dfb2c82ce9c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cd32c-c2dd-7560-b060-09e656978fe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cd32c-c2dd-7560-b060-09e656978fe7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019cd32c-c2dd-7e9b-a877-f2b894d54c10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019cd32c-c2dd-7e9b-a877-f2b894d54c10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiability_019cd32c-c2dd-71cd-9541-589be6c495da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetAssetLiability"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7a07-ae0b-dce9a7a1a7f3" xlink:to="loc_us-gaap_FairValueNetAssetLiability_019cd32c-c2dd-71cd-9541-589be6c495da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSReconciliationofAssetsandLiabilitiesUsingSignificantUnobservableInputsLevel3Details" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSReconciliationofAssetsandLiabilitiesUsingSignificantUnobservableInputsLevel3Details"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSReconciliationofAssetsandLiabilitiesUsingSignificantUnobservableInputsLevel3Details" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-7c2c-96ce-7ea31d173642" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-7c2c-96ce-7ea31d173642" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7675-ab04-3ee75ae48b1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7675-ab04-3ee75ae48b1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7dc0-896d-6c8c9cd024cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7675-ab04-3ee75ae48b1a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7dc0-896d-6c8c9cd024cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7c06-ba81-b236db7f5584" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7dc0-896d-6c8c9cd024cb" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7c06-ba81-b236db7f5584" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7ff6-86e3-e74b2a7a9050" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7ff6-86e3-e74b2a7a9050" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-7933-9a5c-d50aff0713be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019cd32c-c2dd-7ff6-86e3-e74b2a7a9050" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-7933-9a5c-d50aff0713be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c2dd-765c-ad09-deb8c14e70ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019cd32c-c2dd-7933-9a5c-d50aff0713be" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019cd32c-c2dd-765c-ad09-deb8c14e70ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019cd32c-c2dd-7c77-b24e-00706ae6c177" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:to="loc_us-gaap_InvestmentTypeAxis_019cd32c-c2dd-7c77-b24e-00706ae6c177" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019cd32c-c2dd-7fee-893a-76c5cab582bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019cd32c-c2dd-7c77-b24e-00706ae6c177" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019cd32c-c2dd-7fee-893a-76c5cab582bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019cd32c-c2dd-798d-a918-4124f37d9827" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019cd32c-c2dd-7fee-893a-76c5cab582bf" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019cd32c-c2dd-798d-a918-4124f37d9827" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7683-b27c-c317c5e102ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7b68-8025-eaee6e0bda2e" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7683-b27c-c317c5e102ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7683-b27c-c317c5e102ba" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019cd32c-c2dd-73dd-87c2-58f048682592" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019cd32c-c2dd-73dd-87c2-58f048682592" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019cd32c-c2dd-7e3b-8347-1ba9c0d3a45f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019cd32c-c2dd-7e3b-8347-1ba9c0d3a45f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019cd32c-c2dd-7eee-a483-d391d893ae8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019cd32c-c2dd-7eee-a483-d391d893ae8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_019cd32c-c2dd-741d-9b95-8ef388c397d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_019cd32c-c2dd-741d-9b95-8ef388c397d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019cd32c-c2dd-7d15-9f34-7dd0615dd1ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019cd32c-c2dd-744a-adfb-7ce59ea7c8eb" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019cd32c-c2dd-7d15-9f34-7dd0615dd1ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSQualitativeInformationforAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSQualitativeInformationforAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSQualitativeInformationforAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-79f6-99dc-2314a7ac937d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-79f6-99dc-2314a7ac937d" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-79b9-a416-c92e49b7457d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-79b9-a416-c92e49b7457d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7338-b8e4-ab733330d618" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-79b9-a416-c92e49b7457d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7338-b8e4-ab733330d618" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7531-9c9e-e3913b20dcb5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7338-b8e4-ab733330d618" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7531-9c9e-e3913b20dcb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_019cd32c-c2dd-7d76-bb72-32a8ca0a30c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:to="loc_us-gaap_ValuationTechniqueAxis_019cd32c-c2dd-7d76-bb72-32a8ca0a30c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_019cd32c-c2dd-7d76-bb72-32a8ca0a30c0" xlink:to="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_019cd32c-c2dd-733b-bd71-a1da027a56ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueDiscountedCashFlowMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:to="loc_us-gaap_ValuationTechniqueDiscountedCashFlowMember_019cd32c-c2dd-733b-bd71-a1da027a56ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_FairValueOfPropertyOrCollateralMember_019cd32c-c2dd-7b33-883d-4372fd4c7cae" xlink:href="ofg-20260331.xsd#ofg_FairValueOfPropertyOrCollateralMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:to="loc_ofg_FairValueOfPropertyOrCollateralMember_019cd32c-c2dd-7b33-883d-4372fd4c7cae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BidsOrSalesContractPricesMember_019cd32c-c2dd-7023-b6b0-5b856e78a645" xlink:href="ofg-20260331.xsd#ofg_BidsOrSalesContractPricesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:to="loc_ofg_BidsOrSalesContractPricesMember_019cd32c-c2dd-7023-b6b0-5b856e78a645" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketApproachValuationTechniqueMember_019daa39-7cf6-7c87-a61c-70f08d1695a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketApproachValuationTechniqueMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_019cd32c-c2dd-7b41-9ef2-7043dd221590" xlink:to="loc_us-gaap_MarketApproachValuationTechniqueMember_019daa39-7cf6-7c87-a61c-70f08d1695a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019cd32c-c2dd-7669-8cf4-67d09aa801be" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:to="loc_srt_RangeAxis_019cd32c-c2dd-7669-8cf4-67d09aa801be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cd32c-c2dd-720d-81c5-dac4db5b0380" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019cd32c-c2dd-7669-8cf4-67d09aa801be" xlink:to="loc_srt_RangeMember_019cd32c-c2dd-720d-81c5-dac4db5b0380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019cd32c-c2dd-76fc-96c5-ff62ec001897" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019cd32c-c2dd-720d-81c5-dac4db5b0380" xlink:to="loc_srt_MinimumMember_019cd32c-c2dd-76fc-96c5-ff62ec001897" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019cd32c-c2dd-7da4-a7a7-2893c7d68bb5" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019cd32c-c2dd-720d-81c5-dac4db5b0380" xlink:to="loc_srt_MaximumMember_019cd32c-c2dd-7da4-a7a7-2893c7d68bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_019cd32c-c2dd-786f-854f-42506d998553" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019cd32c-c2dd-720d-81c5-dac4db5b0380" xlink:to="loc_srt_WeightedAverageMember_019cd32c-c2dd-786f-854f-42506d998553" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_019cd32c-c2dd-7f54-87be-3c8eb070c6dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_019cd32c-c2dd-7f54-87be-3c8eb070c6dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_019cd32c-c2dd-7f54-87be-3c8eb070c6dd" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ConstantPrepaymentRateMeasurementInputMember_019cd32c-c2dd-7d44-a392-f35c4727df21" xlink:href="ofg-20260331.xsd#ofg_ConstantPrepaymentRateMeasurementInputMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_ConstantPrepaymentRateMeasurementInputMember_019cd32c-c2dd-7d44-a392-f35c4727df21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_019cd32c-c2dd-7330-8bc3-aca1688ecdc8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_019cd32c-c2dd-7330-8bc3-aca1688ecdc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AppraisedValueLessDispositionCostsMeasurementInputMember_019cd32c-c2dd-765a-a848-4a3c398fea44" xlink:href="ofg-20260331.xsd#ofg_AppraisedValueLessDispositionCostsMeasurementInputMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_AppraisedValueLessDispositionCostsMeasurementInputMember_019cd32c-c2dd-765a-a848-4a3c398fea44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EstimatedNetRealizableValueLessDispositionCostsMeasurementInputMember_019cd32c-c2dd-7c02-922d-513d1c2b197e" xlink:href="ofg-20260331.xsd#ofg_EstimatedNetRealizableValueLessDispositionCostsMeasurementInputMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_EstimatedNetRealizableValueLessDispositionCostsMeasurementInputMember_019cd32c-c2dd-7c02-922d-513d1c2b197e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_PricingAndExecutionWholeLoanMeasurementLoanMember_019cd32c-c2dd-7e0a-bc0d-8743b915edee" xlink:href="ofg-20260331.xsd#ofg_PricingAndExecutionWholeLoanMeasurementLoanMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_PricingAndExecutionWholeLoanMeasurementLoanMember_019cd32c-c2dd-7e0a-bc0d-8743b915edee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EstimatedNetRealizableValueMeasurementInputMember_019cd32c-c2dd-7c57-a6cc-97c1c9716f02" xlink:href="ofg-20260331.xsd#ofg_EstimatedNetRealizableValueMeasurementInputMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_EstimatedNetRealizableValueMeasurementInputMember_019cd32c-c2dd-7c57-a6cc-97c1c9716f02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EstimatedMarketValueMeasurementInputMember_019cd32c-c2dd-7c92-80f5-350f33035bdb" xlink:href="ofg-20260331.xsd#ofg_EstimatedMarketValueMeasurementInputMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019cd32c-c2dd-7ae1-b404-eb58ccc63ac8" xlink:to="loc_ofg_EstimatedMarketValueMeasurementInputMember_019cd32c-c2dd-7c92-80f5-350f33035bdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7a2f-a175-e28067d1ace2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_019cd32c-c2dd-79ad-8898-4d905e1a05d1" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7a2f-a175-e28067d1ace2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7a2f-a175-e28067d1ace2" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-74d8-b11a-b4ee309fb175" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-74d8-b11a-b4ee309fb175" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c2dd-74ba-a649-ae5bb9364942" xlink:href="ofg-20260331.xsd#ofg_CollateralDependantLoansFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_ofg_CollateralDependantLoansFairValueDisclosure_019cd32c-c2dd-74ba-a649-ae5bb9364942" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c2dd-7caa-a85d-10d5345661f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherRealEstateAndForeclosedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_us-gaap_OtherRealEstateAndForeclosedAssets_019cd32c-c2dd-7caa-a85d-10d5345661f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_019cd32c-c2dd-71b3-916a-1ace17ce5f81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_us-gaap_OtherForeclosedAssets_019cd32c-c2dd-71b3-916a-1ace17ce5f81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cd32c-c2dd-7b31-9ec5-0193dc5d5e7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_us-gaap_MortgagesHeldForSaleFairValueDisclosure_019cd32c-c2dd-7b31-9ec5-0193dc5d5e7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019cd32c-c2dd-79ee-9cfa-4826a5e2f2ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cd32c-c2dd-7689-a0d5-7dbf3acb75c3" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019cd32c-c2dd-79ee-9cfa-4826a5e2f2ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsQuantitativeInformationAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_019cd32c-c2dd-7a2f-a175-e28067d1ace2" xlink:to="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_019cd32c-c2dd-7800-ab79-0d1b93980fe3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_019cd32c-c2dd-7800-ab79-0d1b93980fe3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CollateralDependentLoansMeasurementInput_019cd32c-c2dd-7e28-81c1-1d983e7a1b30" xlink:href="ofg-20260331.xsd#ofg_CollateralDependentLoansMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_ofg_CollateralDependentLoansMeasurementInput_019cd32c-c2dd-7e28-81c1-1d983e7a1b30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ForeclosedRealEstateMeasurementInput_019cd32c-c2dd-7b58-a50a-96973c4d1e8e" xlink:href="ofg-20260331.xsd#ofg_ForeclosedRealEstateMeasurementInput"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_ofg_ForeclosedRealEstateMeasurementInput_019cd32c-c2dd-7b58-a50a-96973c4d1e8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherRepossessedAssetsMeasurementInput_019cd32c-c2dd-7837-ae51-e83bb6e11370" xlink:href="ofg-20260331.xsd#ofg_OtherRepossessedAssetsMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_ofg_OtherRepossessedAssetsMeasurementInput_019cd32c-c2dd-7837-ae51-e83bb6e11370" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleMeasurementInput_019cd32c-c2dd-777a-b03b-f7a6e68cd764" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleMeasurementInput"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_us-gaap_LoansHeldForSaleMeasurementInput_019cd32c-c2dd-777a-b03b-f7a6e68cd764" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherLoanHeldForSaleMeasurementInput_019cd32c-c2dd-7c77-a838-713a1c1ed441" xlink:href="ofg-20260331.xsd#ofg_OtherLoanHeldForSaleMeasurementInput"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_019cd32c-c2dd-705f-96bd-65db16229911" xlink:to="loc_ofg_OtherLoanHeldForSaleMeasurementInput_019cd32c-c2dd-7c77-a838-713a1c1ed441" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSEstimatedFairValueandCarryingValueDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#FAIRVALUEOFFINANCIALINSTRUMENTSEstimatedFairValueandCarryingValueDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FAIRVALUEOFFINANCIALINSTRUMENTSEstimatedFairValueandCarryingValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-7b94-aa7c-ba81d0689b0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7fec-9581-a0f023c0fcbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019cd32c-c2dd-7b94-aa7c-ba81d0689b0d" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7fec-9581-a0f023c0fcbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7c13-8ada-f71b28998a0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7fec-9581-a0f023c0fcbe" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7c13-8ada-f71b28998a0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7f96-9c4e-e8d86fba5d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cd32c-c2dd-7c13-8ada-f71b28998a0b" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7f96-9c4e-e8d86fba5d4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019cd32c-c2dd-7191-a727-5840eac625c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7f96-9c4e-e8d86fba5d4d" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019cd32c-c2dd-7191-a727-5840eac625c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019cd32c-c2dd-7fbd-b54c-6d1dee245cb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7f96-9c4e-e8d86fba5d4d" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019cd32c-c2dd-7fbd-b54c-6d1dee245cb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7470-b09c-6852854a0734" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cd32c-c2dd-7f96-9c4e-e8d86fba5d4d" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cd32c-c2dd-7470-b09c-6852854a0734" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019cd32c-c2dd-708e-ba95-3c576f9b599c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7fec-9581-a0f023c0fcbe" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019cd32c-c2dd-708e-ba95-3c576f9b599c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cd32c-c2dd-7c6b-b726-49efe0b90531" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019cd32c-c2dd-708e-ba95-3c576f9b599c" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cd32c-c2dd-7c6b-b726-49efe0b90531" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cd32c-c2dd-75f2-bc92-b5b0dfd27014" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cd32c-c2dd-7c6b-b726-49efe0b90531" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cd32c-c2dd-75f2-bc92-b5b0dfd27014" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019cd32c-c2dd-7ec1-a479-19c9b219a7ac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cd32c-c2dd-75f2-bc92-b5b0dfd27014" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019cd32c-c2dd-7ec1-a479-19c9b219a7ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019cd32c-c2dd-7060-8648-ee2d462490f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cd32c-c2dd-75f2-bc92-b5b0dfd27014" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019cd32c-c2dd-7060-8648-ee2d462490f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7aa2-aae6-c88902336ff2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cd32c-c2dd-7fec-9581-a0f023c0fcbe" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7aa2-aae6-c88902336ff2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7aa2-aae6-c88902336ff2" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cd32c-c2dd-71bc-8ccd-42fb8684f0f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cd32c-c2dd-71bc-8ccd-42fb8684f0f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecurities_019cd32c-c2dd-7125-9d56-2e5c6b37a89e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_TradingSecurities_019cd32c-c2dd-7125-9d56-2e5c6b37a89e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cd32c-c2dd-7660-90c4-46db149f2bed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019cd32c-c2dd-7660-90c4-46db149f2bed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c2dd-775b-8b74-75c3a0c1b3c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cd32c-c2dd-775b-8b74-75c3a0c1b3c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_019cd32c-c2dd-7f28-8de2-7a5e5c57fe4c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_019cd32c-c2dd-7f28-8de2-7a5e5c57fe4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInvestments_019cd32c-c2dd-70cb-bbed-b0384bd8d49d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherInvestments"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_OtherInvestments_019cd32c-c2dd-70cb-bbed-b0384bd8d49d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019cd32c-c2dd-7d6c-980c-6ceac545d737" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_NotesReceivableNet_019cd32c-c2dd-7d6c-980c-6ceac545d737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesFairValueDisclosure_019cd32c-c2dd-7634-99f1-aa34dab2810d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesFairValueDisclosure"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_ReceivablesFairValueDisclosure_019cd32c-c2dd-7634-99f1-aa34dab2810d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-7385-a06b-2ff18d6d9a2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_019cd32c-c2dd-7385-a06b-2ff18d6d9a2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_AccountReceivableAndOtherAssetsFairValue_019cd32c-c2dd-724d-bd7f-36c31f4b9ef7" xlink:href="ofg-20260331.xsd#ofg_AccountReceivableAndOtherAssetsFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019cd32c-c2dd-71ee-9988-7c13242d8621" xlink:to="loc_ofg_AccountReceivableAndOtherAssetsFairValue_019cd32c-c2dd-724d-bd7f-36c31f4b9ef7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cd32c-c2dd-7aa2-aae6-c88902336ff2" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_019cd32c-c2dd-72c9-9d13-7edad173c6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_019cd32c-c2dd-72c9-9d13-7edad173c6a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cd32c-c2dd-7060-b0bf-6b34fd9e0581" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:to="loc_us-gaap_FederalFundsPurchasedAndSecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure_019cd32c-c2dd-7060-b0bf-6b34fd9e0581" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019cd32c-c2dd-7444-b457-5a991caa2820" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:to="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019cd32c-c2dd-7444-b457-5a991caa2820" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_019cd32c-c2dd-71dd-b28c-32487f206ec0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesPayableFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_019cd32c-c2dd-71dd-b28c-32487f206ec0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_019cd32c-c2dd-761a-829d-90b93fded5ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019cd32c-c2dd-7556-9691-6bf941a0d74f" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_019cd32c-c2dd-761a-829d-90b93fded5ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUESCommissionsandFeesRevenuesDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BANKINGANDFINANCIALSERVICEREVENUESCommissionsandFeesRevenuesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BANKINGANDFINANCIALSERVICEREVENUESCommissionsandFeesRevenuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7d5d-a562-d2367717d1dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingAndThriftInterestAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:href="ofg-20260331.xsd#ofg_BankingServiceRevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7d5d-a562-d2367717d1dd" xlink:to="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ElectronicBankingFees_019cd32c-c2dd-7341-a909-1d23bac0f4d0" xlink:href="ofg-20260331.xsd#ofg_ElectronicBankingFees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_ElectronicBankingFees_019cd32c-c2dd-7341-a909-1d23bac0f4d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_CheckingAccountsFees_019cd32c-c2dd-7bf0-8b56-d3e4a1b9962a" xlink:href="ofg-20260331.xsd#ofg_CheckingAccountsFees"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_CheckingAccountsFees_019cd32c-c2dd-7bf0-8b56-d3e4a1b9962a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SavingsAccountsFees_019cd32c-c2dd-7af1-a45a-9a4ddb5be780" xlink:href="ofg-20260331.xsd#ofg_SavingsAccountsFees"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_SavingsAccountsFees_019cd32c-c2dd-7af1-a45a-9a4ddb5be780" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BranchServiceAndCreditLifeCommissions_019cd32c-c2dd-7e37-b169-cb614434f4d4" xlink:href="ofg-20260331.xsd#ofg_BranchServiceAndCreditLifeCommissions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_BranchServiceAndCreditLifeCommissions_019cd32c-c2dd-7e37-b169-cb614434f4d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_019cd32c-c2dd-7b72-a39f-d4d8436d5ceb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_019cd32c-c2dd-7b72-a39f-d4d8436d5ceb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_InternationalFees_019cd32c-c2dd-72ff-bb6b-4a906ccd7615" xlink:href="ofg-20260331.xsd#ofg_InternationalFees"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_InternationalFees_019cd32c-c2dd-72ff-bb6b-4a906ccd7615" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MiscellaneousIncome_019cd32c-c2dd-7647-beca-bb1708fcaabe" xlink:href="ofg-20260331.xsd#ofg_MiscellaneousIncome"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_MiscellaneousIncome_019cd32c-c2dd-7647-beca-bb1708fcaabe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalBankingServiceRevenues_019cd32c-c2dd-7fe0-a451-6a2f95b42c97" xlink:href="ofg-20260331.xsd#ofg_TotalBankingServiceRevenues"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_BankingServiceRevenuesAbstract_019cd32c-c2dd-7ffa-99c1-b1e841d1fd1a" xlink:to="loc_ofg_TotalBankingServiceRevenues_019cd32c-c2dd-7fe0-a451-6a2f95b42c97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:href="ofg-20260331.xsd#ofg_WealthManagementRevenueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7d5d-a562-d2367717d1dd" xlink:to="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_019cd32c-c2dd-7ccf-8275-4230c7abadd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_019cd32c-c2dd-7ccf-8275-4230c7abadd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BrokerFees_019cd32c-c2dd-75ec-b780-ea821682fe01" xlink:href="ofg-20260331.xsd#ofg_BrokerFees"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:to="loc_ofg_BrokerFees_019cd32c-c2dd-75ec-b780-ea821682fe01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TrustFees_019cd32c-c2dd-7925-9451-23d2fd515b83" xlink:href="ofg-20260331.xsd#ofg_TrustFees"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:to="loc_ofg_TrustFees_019cd32c-c2dd-7925-9451-23d2fd515b83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_WealthManagementRevenue_019cd32c-c2dd-7719-8996-f5b135284e59" xlink:href="ofg-20260331.xsd#ofg_WealthManagementRevenue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_WealthManagementRevenueAbstract_019cd32c-c2dd-7b96-a11e-366f3186a111" xlink:to="loc_ofg_WealthManagementRevenue_019cd32c-c2dd-7719-8996-f5b135284e59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:href="ofg-20260331.xsd#ofg_MortgageBankingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7d5d-a562-d2367717d1dd" xlink:to="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_Servicingfeesamount_019cd32c-c2dd-73da-b93e-273998528030" xlink:href="ofg-20260331.xsd#ofg_Servicingfeesamount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:to="loc_ofg_Servicingfeesamount_019cd32c-c2dd-73da-b93e-273998528030" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_GainLossOnSaleOfMortgageLoansAndValuation_019cd32c-c2dd-7555-9a0e-0a4f755fd708" xlink:href="ofg-20260331.xsd#ofg_GainLossOnSaleOfMortgageLoansAndValuation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:to="loc_ofg_GainLossOnSaleOfMortgageLoansAndValuation_019cd32c-c2dd-7555-9a0e-0a4f755fd708" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_OtherFees_019cd32c-c2dd-75be-9ebf-0e1f2462d4ee" xlink:href="ofg-20260331.xsd#ofg_OtherFees"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:to="loc_ofg_OtherFees_019cd32c-c2dd-75be-9ebf-0e1f2462d4ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalMortgageBankingActivities_019cd32c-c2dd-73f5-832e-77df8e5ce77e" xlink:href="ofg-20260331.xsd#ofg_TotalMortgageBankingActivities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_MortgageBankingActivitiesAbstract_019cd32c-c2dd-75e8-9e13-e473d8e16f41" xlink:to="loc_ofg_TotalMortgageBankingActivities_019cd32c-c2dd-73f5-832e-77df8e5ce77e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TotalBankingAndFinancialServiceRevenues_019cd32c-c2dd-77b6-887f-fa79d667a48b" xlink:href="ofg-20260331.xsd#ofg_TotalBankingAndFinancialServiceRevenues"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract_019cd32c-c2dd-7d5d-a562-d2367717d1dd" xlink:to="loc_ofg_TotalBankingAndFinancialServiceRevenues_019cd32c-c2dd-77b6-887f-fa79d667a48b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BUSINESSSEGMENTSNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BUSINESSSEGMENTSNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BUSINESSSEGMENTSNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-798f-96fb-457023a82991" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-75c7-8e49-304a2e372ade" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-798f-96fb-457023a82991" xlink:to="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-75c7-8e49-304a2e372ade" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-7c87-a63a-b1fd9bf469b2" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-75c7-8e49-304a2e372ade" xlink:to="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-7c87-a63a-b1fd9bf469b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-712e-bc07-ad8ab014edaa" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-7c87-a63a-b1fd9bf469b2" xlink:to="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-712e-bc07-ad8ab014edaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntersegmentEliminationMember_019cd32c-c2dd-73c5-a5e9-542ac9405f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntersegmentEliminationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-712e-bc07-ad8ab014edaa" xlink:to="loc_us-gaap_IntersegmentEliminationMember_019cd32c-c2dd-73c5-a5e9-542ac9405f7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7298-92d6-47ca7ce5a416" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-75c7-8e49-304a2e372ade" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7298-92d6-47ca7ce5a416" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7a6e-b9a5-a721f1a2062c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7298-92d6-47ca7ce5a416" xlink:to="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7a6e-b9a5-a721f1a2062c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TreasuryMember_019cd32c-c2dd-7b28-9df6-99a737df5eea" xlink:href="ofg-20260331.xsd#ofg_TreasuryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7a6e-b9a5-a721f1a2062c" xlink:to="loc_ofg_TreasuryMember_019cd32c-c2dd-7b28-9df6-99a737df5eea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_019cd32c-c2dd-7fb7-a1c1-36334b7b3e45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-75c7-8e49-304a2e372ade" xlink:to="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_019cd32c-c2dd-7fb7-a1c1-36334b7b3e45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfReportableSegments_019cd32c-c2dd-735b-8f1a-9e77021f8532" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfReportableSegments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_019cd32c-c2dd-7fb7-a1c1-36334b7b3e45" xlink:to="loc_us-gaap_NumberOfReportableSegments_019cd32c-c2dd-735b-8f1a-9e77021f8532" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_019cd32c-c2dd-7e8f-9e7c-bcdaa360d5e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_019cd32c-c2dd-7fb7-a1c1-36334b7b3e45" xlink:to="loc_us-gaap_TimeDeposits_019cd32c-c2dd-7e8f-9e7c-bcdaa360d5e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/BUSINESSSEGMENTSResultsofOperationsandSelectedFinancialInformationDetails" xlink:type="simple" xlink:href="ofg-20260331.xsd#BUSINESSSEGMENTSResultsofOperationsandSelectedFinancialInformationDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/BUSINESSSEGMENTSResultsofOperationsandSelectedFinancialInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-7926-b115-9c5ffb4529c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-7872-82af-aa8c88193798" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019cd32c-c2dd-7926-b115-9c5ffb4529c0" xlink:to="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-7872-82af-aa8c88193798" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-711b-a37a-15412d5ff7b3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-7872-82af-aa8c88193798" xlink:to="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-711b-a37a-15412d5ff7b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-7d72-a6ca-d086bc968ce1" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsAxis_019cd32c-c2dd-711b-a37a-15412d5ff7b3" xlink:to="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-7d72-a6ca-d086bc968ce1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingSegmentsMember_019cd32c-c2dd-769b-835f-46080a99ba0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingSegmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-7d72-a6ca-d086bc968ce1" xlink:to="loc_us-gaap_OperatingSegmentsMember_019cd32c-c2dd-769b-835f-46080a99ba0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntersegmentEliminationMember_019cd32c-c2dd-7dc0-98b9-cbc6c3e1521d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntersegmentEliminationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019cd32c-c2dd-7d72-a6ca-d086bc968ce1" xlink:to="loc_us-gaap_IntersegmentEliminationMember_019cd32c-c2dd-7dc0-98b9-cbc6c3e1521d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7c88-b0db-4c93f19aa53c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-7872-82af-aa8c88193798" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7c88-b0db-4c93f19aa53c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7c74-a4fc-e0bf7e144b45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019cd32c-c2dd-7c88-b0db-4c93f19aa53c" xlink:to="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7c74-a4fc-e0bf7e144b45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_BankingSegmentMember_019cd32c-c2dd-7608-a8c6-f66c2631d713" xlink:href="ofg-20260331.xsd#ofg_BankingSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7c74-a4fc-e0bf7e144b45" xlink:to="loc_ofg_BankingSegmentMember_019cd32c-c2dd-7608-a8c6-f66c2631d713" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_WealthManagementMember_019cd32c-c2dd-79d0-85ce-b1aaed2bab88" xlink:href="ofg-20260331.xsd#ofg_WealthManagementMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7c74-a4fc-e0bf7e144b45" xlink:to="loc_ofg_WealthManagementMember_019cd32c-c2dd-79d0-85ce-b1aaed2bab88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_TreasuryMember_019cd32c-c2dd-77b8-9180-97fcd4af87c3" xlink:href="ofg-20260331.xsd#ofg_TreasuryMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019cd32c-c2dd-7c74-a4fc-e0bf7e144b45" xlink:to="loc_ofg_TreasuryMember_019cd32c-c2dd-77b8-9180-97fcd4af87c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTable_019cd32c-c2dd-7872-82af-aa8c88193798" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019cd32c-c2dd-7d05-a529-aad9876d46ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019cd32c-c2dd-7d05-a529-aad9876d46ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019cd32c-c2dd-7f3a-a01a-10e46668c3a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_InterestExpenseOperating_019cd32c-c2dd-7f3a-a01a-10e46668c3a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cd32c-c2dd-75c3-97ce-a7240f96e03f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cd32c-c2dd-75c3-97ce-a7240f96e03f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c2dd-73b5-9c1a-6f21ee7e722b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019cd32c-c2dd-73b5-9c1a-6f21ee7e722b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedNetLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019cd32c-c2dd-70bb-bdb0-c59ad64df4e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_NoninterestIncome_019cd32c-c2dd-70bb-bdb0-c59ad64df4e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019cd32c-c2dd-7dc8-8108-5a3401723387" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019cd32c-c2dd-7dc8-8108-5a3401723387" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SegmentReportingOtherSegmentItemOccupancyNet_019cd32c-c2dd-7042-a3dc-9659a8ecfd8b" xlink:href="ofg-20260331.xsd#ofg_SegmentReportingOtherSegmentItemOccupancyNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_ofg_SegmentReportingOtherSegmentItemOccupancyNet_019cd32c-c2dd-7042-a3dc-9659a8ecfd8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019cd32c-c2dd-7878-9e2b-0dbb0edc52b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019cd32c-c2dd-7878-9e2b-0dbb0edc52b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ElectronicBankingCharges_019cd32c-c2dd-7d52-846b-6a9d6adb6e1f" xlink:href="ofg-20260331.xsd#ofg_ElectronicBankingCharges"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_ofg_ElectronicBankingCharges_019cd32c-c2dd-7d52-846b-6a9d6adb6e1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_019cd32c-c2dd-7b75-b7e8-906bb64e3884" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_019cd32c-c2dd-7b75-b7e8-906bb64e3884" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019cd32c-c2dd-772f-b637-38c14edd4354" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_ProfessionalFees_019cd32c-c2dd-772f-b637-38c14edd4354" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_LoanServicingAndClearingExpenses_019cd32c-c2dd-7b74-9161-21d58d56e228" xlink:href="ofg-20260331.xsd#ofg_LoanServicingAndClearingExpenses"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_ofg_LoanServicingAndClearingExpenses_019cd32c-c2dd-7b74-9161-21d58d56e228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_SegmentReportingOtherSegmentItemAmortizationOfIntangibleAssets_019cd32c-c2dd-79b5-b5d4-a1ecdca738a6" xlink:href="ofg-20260331.xsd#ofg_SegmentReportingOtherSegmentItemAmortizationOfIntangibleAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_ofg_SegmentReportingOtherSegmentItemAmortizationOfIntangibleAssets_019cd32c-c2dd-79b5-b5d4-a1ecdca738a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_IntersegmentExpenses_019cd32c-c2dd-7aa0-8916-d22e6088a9b2" xlink:href="ofg-20260331.xsd#ofg_IntersegmentExpenses"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_ofg_IntersegmentExpenses_019cd32c-c2dd-7aa0-8916-d22e6088a9b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingOtherItemAmount_019cd32c-c2dd-7ae1-8380-e94104453436" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingOtherItemAmount"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_SegmentReportingOtherItemAmount_019cd32c-c2dd-7ae1-8380-e94104453436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019cd32c-c2dd-750a-9acb-5d0bb805c005" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cd32c-c2dd-7282-99b3-376c388e342f" xlink:to="loc_us-gaap_NoninterestExpense_019cd32c-c2dd-750a-9acb-5d0bb805c005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cd32c-c2dd-789b-8d3e-756909c582fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cd32c-c2dd-789b-8d3e-756909c582fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c2dd-791e-9767-0c10d51f4b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cd32c-c2dd-791e-9767-0c10d51f4b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cd32c-c2dd-7693-8565-5f8b9e83d763" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_NetIncomeLoss_019cd32c-c2dd-7693-8565-5f8b9e83d763" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cd32c-c2dd-76df-bb62-7e166d0423fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_Assets_019cd32c-c2dd-76df-bb62-7e166d0423fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentExpenditureAdditionToLongLivedAssets_019cd32c-c2dd-77a5-bd75-be1ca78ac371" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentExpenditureAdditionToLongLivedAssets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cd32c-c2dd-7f79-9b6f-19658f86d558" xlink:to="loc_us-gaap_SegmentExpenditureAdditionToLongLivedAssets_019cd32c-c2dd-77a5-bd75-be1ca78ac371" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
