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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019efa7f-b9b9-750b-b4e9-fc0c2926bf50,g:6736e1cb-eecf-4b1d-b992-f0da87e64429-->
<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-20260625.xsd#Cover"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_019efa7f-b9ba-71c2-915e-b9c01aabf00a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_019efa7f-b9ba-7632-bd68-ae761b215d11" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019efa7f-b9ba-71c2-915e-b9c01aabf00a" xlink:to="loc_dei_DocumentInformationTable_019efa7f-b9ba-7632-bd68-ae761b215d11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-74d8-a452-103650265ace" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019efa7f-b9ba-7632-bd68-ae761b215d11" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-74d8-a452-103650265ace" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-796d-9a22-6d9e746bfad9" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-74d8-a452-103650265ace" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-796d-9a22-6d9e746bfad9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7712-aa2c-9cab8dd5821b" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-796d-9a22-6d9e746bfad9" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7712-aa2c-9cab8dd5821b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_019efa7f-b9ba-7632-bd68-ae761b215d11" xlink:to="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019efa7f-b9ba-7e2d-9ff6-abc767740f2b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:to="loc_dei_DocumentType_019efa7f-b9ba-7e2d-9ff6-abc767740f2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019efa7f-b9ba-7ff5-9367-cf2b5e7308c6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:to="loc_dei_EntityRegistrantName_019efa7f-b9ba-7ff5-9367-cf2b5e7308c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019efa7f-b9ba-7298-8b5e-3d33dcc14db3" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:to="loc_dei_AmendmentFlag_019efa7f-b9ba-7298-8b5e-3d33dcc14db3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019efa7f-b9ba-7945-aca9-6f3a879bcdee" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_019efa7f-b9ba-7d52-88b8-b0f8a7d2c358" xlink:to="loc_dei_EntityCentralIndexKey_019efa7f-b9ba-7945-aca9-6f3a879bcdee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="ofg-20260625.xsd#StatementsofNetAssetsAvailableforBenefits"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract_019efa7f-b9ba-7c1c-a41b-63134e2c0ee1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019efa7f-b9ba-74d8-8bfb-541c01a70697" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitAbstract_019efa7f-b9ba-7c1c-a41b-63134e2c0ee1" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019efa7f-b9ba-74d8-8bfb-541c01a70697" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-76b6-a09d-5264e6079bbc" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019efa7f-b9ba-74d8-8bfb-541c01a70697" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-76b6-a09d-5264e6079bbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7e80-ade2-bfbc6065b7ce" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-76b6-a09d-5264e6079bbc" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7e80-ade2-bfbc6065b7ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-741b-86cc-e02489f6f52d" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7e80-ade2-bfbc6065b7ce" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-741b-86cc-e02489f6f52d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7744-b8a5-99a117cf4423" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019efa7f-b9ba-74d8-8bfb-541c01a70697" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7744-b8a5-99a117cf4423" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7744-b8a5-99a117cf4423" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsMember_019efa7f-b9ba-7076-876c-d393750fe463" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:to="loc_us-gaap_InterestBearingDepositsMember_019efa7f-b9ba-7076-876c-d393750fe463" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-7ed2-ac29-2f440f9ad000" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MoneyMarketFundsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:to="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-7ed2-ac29-2f440f9ad000" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019efa7f-b9ba-736d-9041-89f306d5580e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:to="loc_us-gaap_CommonStockMember_019efa7f-b9ba-736d-9041-89f306d5580e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_019efa7f-b9ba-7b17-9fd2-1c1e3626d5f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:to="loc_us-gaap_MutualFundMember_019efa7f-b9ba-7b17-9fd2-1c1e3626d5f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-7a44-aae4-c818dcb38010" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-77b6-8b70-81e989d3a6e3" xlink:to="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-7a44-aae4-c818dcb38010" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_019efa7f-b9ba-74d8-8bfb-541c01a70697" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019efa7f-b9ba-7a0c-adfe-d8a53a3c8c68" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019efa7f-b9ba-7a0c-adfe-d8a53a3c8c68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAbstract_019efa7f-b9ba-76d3-bec6-c3323ac5993a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019efa7f-b9ba-7a0c-adfe-d8a53a3c8c68" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAbstract_019efa7f-b9ba-76d3-bec6-c3323ac5993a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7c70-80bd-0db7d4de2b56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAbstract_019efa7f-b9ba-76d3-bec6-c3323ac5993a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7c70-80bd-0db7d4de2b56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_019efa7f-b9ba-7a0c-adfe-d8a53a3c8c68" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable_019efa7f-b9ba-7a58-a354-7022af6d5926" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantContributionReceivable_019efa7f-b9ba-7a58-a354-7022af6d5926" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable_019efa7f-b9ba-7bb0-94b3-792065fd0d04" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionReceivable_019efa7f-b9ba-7bb0-94b3-792065fd0d04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentIncomeReceivable_019efa7f-b9ba-704b-83c4-ac39c870ff5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentIncomeReceivable"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentIncomeReceivable_019efa7f-b9ba-704b-83c4-ac39c870ff5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019efa7f-b9ba-7d50-901e-4fdd1571be96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019efa7f-b9ba-7d50-901e-4fdd1571be96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivable_019efa7f-b9ba-7479-a7e9-72346e042c25" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableAbstract_019efa7f-b9ba-7be3-8238-12e7ab673294" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivable_019efa7f-b9ba-7479-a7e9-72346e042c25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019efa7f-b9ba-712d-ad25-99ab24f6b17c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019efa7f-b9ba-712d-ad25-99ab24f6b17c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019efa7f-b9ba-78f5-88dd-9c4f2b8d5c99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019efa7f-b9ba-78f5-88dd-9c4f2b8d5c99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019efa7f-b9ba-73eb-a8b6-d94a4a4f73d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanOtherLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiabilityAbstract_019efa7f-b9ba-78f5-88dd-9c4f2b8d5c99" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019efa7f-b9ba-73eb-a8b6-d94a4a4f73d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-725b-b212-32827eaed219" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-71e5-8e02-6f49414e33b4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-725b-b212-32827eaed219" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="ofg-20260625.xsd#StatementofChangesinNetAssetsAvailableforBenefits"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract_019efa7f-b9ba-7474-8e9a-c43af463c154" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019efa7f-b9ba-7272-9ecf-717c9415ed00" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitAbstract_019efa7f-b9ba-7474-8e9a-c43af463c154" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019efa7f-b9ba-7272-9ecf-717c9415ed00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-70b1-91bd-e15c409987d5" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019efa7f-b9ba-7272-9ecf-717c9415ed00" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-70b1-91bd-e15c409987d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7c39-9c0b-b14a5e16a008" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-70b1-91bd-e15c409987d5" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7c39-9c0b-b14a5e16a008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7639-b9cc-19cc254c1c83" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7c39-9c0b-b14a5e16a008" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7639-b9cc-19cc254c1c83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_019efa7f-b9ba-7272-9ecf-717c9415ed00" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019efa7f-b9ba-7d97-a5df-2781143e9ecb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019efa7f-b9ba-7d97-a5df-2781143e9ecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019efa7f-b9ba-771a-a340-0914a722eb17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_019efa7f-b9ba-771a-a340-0914a722eb17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPChangeInNetAssetAvailableForBenefitIncreaseFromInterestAndOtherIncomeOnInvestment_019efa7f-b9ba-7f6e-be00-17a5dd42cc10" xlink:href="ofg-20260625.xsd#ofg_EBPChangeInNetAssetAvailableForBenefitIncreaseFromInterestAndOtherIncomeOnInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:to="loc_ofg_EBPChangeInNetAssetAvailableForBenefitIncreaseFromInterestAndOtherIncomeOnInvestment_019efa7f-b9ba-7f6e-be00-17a5dd42cc10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019efa7f-b9ba-7d0e-b34d-82cf4396c420" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019efa7f-b9ba-7d0e-b34d-82cf4396c420" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContribution_019efa7f-b9ba-7f0a-9e44-be77e66f7119" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContribution"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019efa7f-b9ba-7d0e-b34d-82cf4396c420" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContribution_019efa7f-b9ba-7f0a-9e44-be77e66f7119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019efa7f-b9ba-7697-b25c-3aebe962059b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_019efa7f-b9ba-7d0e-b34d-82cf4396c420" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019efa7f-b9ba-7697-b25c-3aebe962059b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019efa7f-b9ba-7b07-b2cd-6442c0397ae1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseAbstract_019efa7f-b9ba-70d0-9096-7a8457090b30" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019efa7f-b9ba-7b07-b2cd-6442c0397ae1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019efa7f-b9ba-7456-8eb4-6cca5e165b27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019efa7f-b9ba-7456-8eb4-6cca5e165b27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019efa7f-b9ba-75bc-8b51-bb4c3038e7c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019efa7f-b9ba-7456-8eb4-6cca5e165b27" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019efa7f-b9ba-75bc-8b51-bb4c3038e7c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019efa7f-b9ba-7755-b0d3-ede41d3d73e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019efa7f-b9ba-7456-8eb4-6cca5e165b27" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019efa7f-b9ba-7755-b0d3-ede41d3d73e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019efa7f-b9ba-7923-837b-27cfc9b1ffab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_019efa7f-b9ba-7456-8eb4-6cca5e165b27" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019efa7f-b9ba-7923-837b-27cfc9b1ffab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019efa7f-b9ba-79da-bc8a-3918097d54ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019efa7f-b9ba-79da-bc8a-3918097d54ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-7655-abce-00a1f00fdd9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-7655-abce-00a1f00fdd9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-78c8-b5e9-ceabecdf8287" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_019efa7f-b9ba-7ba9-bab2-125abf2c911b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019efa7f-b9ba-78c8-b5e9-ceabecdf8287" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DescriptionofthePlan" xlink:type="simple" xlink:href="ofg-20260625.xsd#DescriptionofthePlan"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DescriptionofthePlan" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efa7f-b9ba-7e1d-b032-ee4b31ab026a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7f0c-9b65-7899b02f5c5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efa7f-b9ba-7e1d-b032-ee4b31ab026a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7f0c-9b65-7899b02f5c5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7fad-8d3f-455b61b2c732" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7f0c-9b65-7899b02f5c5c" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7fad-8d3f-455b61b2c732" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-76db-a076-405ee5d47dc6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7fad-8d3f-455b61b2c732" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-76db-a076-405ee5d47dc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-717f-87df-e9db83ff85a9" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-76db-a076-405ee5d47dc6" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-717f-87df-e9db83ff85a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7351-94e7-82b255d6ab46" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7f0c-9b65-7899b02f5c5c" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7351-94e7-82b255d6ab46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_019efa7f-b9ba-7d03-8251-60c1e2bb4a82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7351-94e7-82b255d6ab46" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_019efa7f-b9ba-7d03-8251-60c1e2bb4a82" 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-20260625.xsd#SummaryofSignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SummaryofSignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-7e48-bb46-54fd05db4491" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7ea2-a833-a269e47c228e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-7e48-bb46-54fd05db4491" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7ea2-a833-a269e47c228e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7dc0-b19e-0921a290914f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7ea2-a833-a269e47c228e" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7dc0-b19e-0921a290914f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7d93-8d2f-3b15c93ab39a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7dc0-b19e-0921a290914f" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7d93-8d2f-3b15c93ab39a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-74f0-8820-9afd0b8d79d7" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7d93-8d2f-3b15c93ab39a" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-74f0-8820-9afd0b8d79d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7a12-bb03-a18ccc966b85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7ea2-a833-a269e47c228e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7a12-bb03-a18ccc966b85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_019efa7f-b9ba-7811-a952-12c4270b005e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7a12-bb03-a18ccc966b85" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_019efa7f-b9ba-7811-a952-12c4270b005e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FairValueMeasurements" xlink:type="simple" xlink:href="ofg-20260625.xsd#FairValueMeasurements"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FairValueMeasurements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-73f7-89ed-71a9755d5148" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-7872-8e5e-9d8280a51237" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-73f7-89ed-71a9755d5148" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-7872-8e5e-9d8280a51237" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7579-8260-03373629c2e1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-7872-8e5e-9d8280a51237" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7579-8260-03373629c2e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7ff6-964d-957e92cbaac2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7579-8260-03373629c2e1" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7ff6-964d-957e92cbaac2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7e1e-97d4-c73ee7d14e01" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7ff6-964d-957e92cbaac2" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7e1e-97d4-c73ee7d14e01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7438-8729-3dd85d435358" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-7872-8e5e-9d8280a51237" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7438-8729-3dd85d435358" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_019efa7f-b9ba-7530-9101-96cb3f8dde77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7438-8729-3dd85d435358" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_019efa7f-b9ba-7530-9101-96cb3f8dde77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/RelatedPartiesandPartiesInInterestTransactions" xlink:type="simple" xlink:href="ofg-20260625.xsd#RelatedPartiesandPartiesInInterestTransactions"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/RelatedPartiesandPartiesInInterestTransactions" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019efa7f-b9ba-77cb-8d6b-71f844f52f12" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-79f9-8f24-0d1e310aaf10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019efa7f-b9ba-77cb-8d6b-71f844f52f12" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-79f9-8f24-0d1e310aaf10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7435-b7e8-ea67406932e5" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-79f9-8f24-0d1e310aaf10" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7435-b7e8-ea67406932e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7f9c-a7a3-770b19436cb7" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7435-b7e8-ea67406932e5" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7f9c-a7a3-770b19436cb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7f3c-81be-def8ac43a809" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7f9c-a7a3-770b19436cb7" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7f3c-81be-def8ac43a809" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7ff6-8219-07dc686eba73" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-79f9-8f24-0d1e310aaf10" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7ff6-8219-07dc686eba73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_019efa7f-b9ba-779c-941d-31722482a91d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7ff6-8219-07dc686eba73" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_019efa7f-b9ba-779c-941d-31722482a91d" 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-20260625.xsd#IncomeTaxes"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/IncomeTaxes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract_019efa7f-b9ba-7b47-92f1-ceaf2eed8bcb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019efa7f-b9ba-77d5-be3e-04de8bc5ba74" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusAbstract_019efa7f-b9ba-7b47-92f1-ceaf2eed8bcb" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019efa7f-b9ba-77d5-be3e-04de8bc5ba74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-738f-8fac-3ce82cc02a15" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019efa7f-b9ba-77d5-be3e-04de8bc5ba74" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-738f-8fac-3ce82cc02a15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-766e-953c-8f04161c699a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-738f-8fac-3ce82cc02a15" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-766e-953c-8f04161c699a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-72dc-bde0-dfc3c4dc50bc" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-766e-953c-8f04161c699a" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-72dc-bde0-dfc3c4dc50bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019efa7f-b9ba-73ba-8e33-393c3cd66b17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_019efa7f-b9ba-77d5-be3e-04de8bc5ba74" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019efa7f-b9ba-73ba-8e33-393c3cd66b17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_019efa7f-b9ba-7d31-aafb-871da4d027df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_019efa7f-b9ba-73ba-8e33-393c3cd66b17" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_019efa7f-b9ba-7d31-aafb-871da4d027df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ExcessContributionsPayableToParticipants" xlink:type="simple" xlink:href="ofg-20260625.xsd#ExcessContributionsPayableToParticipants"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ExcessContributionsPayableToParticipants" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExcessContributionsPayableToParticipantsAbstract_019efa7f-b9ba-708d-80ee-8e107b2fef5e" xlink:href="ofg-20260625.xsd#ofg_ExcessContributionsPayableToParticipantsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7498-a90f-b2c093557711" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ExcessContributionsPayableToParticipantsAbstract_019efa7f-b9ba-708d-80ee-8e107b2fef5e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7498-a90f-b2c093557711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b94-bfe0-c9a09a802926" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7498-a90f-b2c093557711" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b94-bfe0-c9a09a802926" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7697-a590-bd0902fe0edf" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b94-bfe0-c9a09a802926" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7697-a590-bd0902fe0edf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7bec-8586-5694c506da5c" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7697-a590-bd0902fe0edf" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7bec-8586-5694c506da5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7523-9fa0-1403ceaac256" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7498-a90f-b2c093557711" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7523-9fa0-1403ceaac256" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanContributionTextBlock_019efa7f-b9ba-706a-82f7-4aedf0e24dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanContributionTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7523-9fa0-1403ceaac256" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanContributionTextBlock_019efa7f-b9ba-706a-82f7-4aedf0e24dbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SubsequentEvents" xlink:type="simple" xlink:href="ofg-20260625.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventAbstract_019efa7f-b9ba-77a2-a790-1a77c6a46a88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventTable_019efa7f-b9ba-751d-9909-e395171f02dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventAbstract_019efa7f-b9ba-77a2-a790-1a77c6a46a88" xlink:to="loc_us-gaap-ebp_EbpSubsequentEventTable_019efa7f-b9ba-751d-9909-e395171f02dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7827-8d16-6efcdd3118eb" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventTable_019efa7f-b9ba-751d-9909-e395171f02dd" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7827-8d16-6efcdd3118eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7abb-b05a-7875e7617634" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7827-8d16-6efcdd3118eb" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7abb-b05a-7875e7617634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7c46-b276-c26d031894b1" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7abb-b05a-7875e7617634" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7c46-b276-c26d031894b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019efa7f-b9ba-7ca3-b3d9-322341f4c480" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EbpSubsequentEventLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventTable_019efa7f-b9ba-751d-9909-e395171f02dd" xlink:to="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019efa7f-b9ba-7ca3-b3d9-322341f4c480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_019efa7f-b9ba-7fcf-a574-cbefafb982c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EbpSubsequentEventLineItems_019efa7f-b9ba-7ca3-b3d9-322341f4c480" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_019efa7f-b9ba-7fcf-a574-cbefafb982c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYear" xlink:type="simple" xlink:href="ofg-20260625.xsd#ScheduleHLine4iScheduleofAssetsHeldAtEndofYear"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYear" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-749e-8771-a246d068903e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7014-8740-04357b64b9d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-749e-8771-a246d068903e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7014-8740-04357b64b9d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7363-94b9-fc53c7bb9ca0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7014-8740-04357b64b9d5" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7363-94b9-fc53c7bb9ca0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7b40-aff0-4f0d878789d6" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7363-94b9-fc53c7bb9ca0" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7b40-aff0-4f0d878789d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7dd7-89b2-f3d25aca3d98" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7b40-aff0-4f0d878789d6" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7dd7-89b2-f3d25aca3d98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-7ece-9577-9a23f44801d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7014-8740-04357b64b9d5" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-7ece-9577-9a23f44801d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019efa7f-b9ba-739b-afec-227f9c0d87eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-7ece-9577-9a23f44801d7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019efa7f-b9ba-739b-afec-227f9c0d87eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="ofg-20260625.xsd#SummaryofSignificantAccountingPoliciesPolicies"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-7f08-8d2a-e5e596a44e81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7dea-8275-781fd2c15e74" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-7f08-8d2a-e5e596a44e81" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7dea-8275-781fd2c15e74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7a00-a55a-97cc55f4a286" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7dea-8275-781fd2c15e74" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7a00-a55a-97cc55f4a286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-794b-8c87-18b2f2cd546d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7a00-a55a-97cc55f4a286" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-794b-8c87-18b2f2cd546d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-77c2-add0-6ee8c9a6c21e" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-794b-8c87-18b2f2cd546d" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-77c2-add0-6ee8c9a6c21e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_019efa7f-b9ba-7dea-8275-781fd2c15e74" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_019efa7f-b9ba-7569-8721-69a1cb2c210f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_019efa7f-b9ba-7569-8721-69a1cb2c210f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_019efa7f-b9ba-74de-9c95-86459903ea1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_019efa7f-b9ba-74de-9c95-86459903ea1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPRisksAndUncertaintiesPolicyPolicyTextBlock_019efa7f-b9ba-77fd-844f-f0b18ec56a01" xlink:href="ofg-20260625.xsd#ofg_EBPRisksAndUncertaintiesPolicyPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_ofg_EBPRisksAndUncertaintiesPolicyPolicyTextBlock_019efa7f-b9ba-77fd-844f-f0b18ec56a01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_019efa7f-b9ba-75ee-9ec8-4616a6c28cca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_019efa7f-b9ba-75ee-9ec8-4616a6c28cca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_019efa7f-b9ba-794b-8c0c-f773652a6c99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_019efa7f-b9ba-794b-8c0c-f773652a6c99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanExpensePolicyTextBlock_019efa7f-b9ba-7405-b00f-95d04f1fb10d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanExpensePolicyTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_019efa7f-b9ba-7700-8f36-5e4bad7a8019" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanExpensePolicyTextBlock_019efa7f-b9ba-7405-b00f-95d04f1fb10d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FairValueMeasurementsTables" xlink:type="simple" xlink:href="ofg-20260625.xsd#FairValueMeasurementsTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FairValueMeasurementsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7259-b767-446a9b66ce8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-74bb-9436-30131c6a44cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7259-b767-446a9b66ce8f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-74bb-9436-30131c6a44cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d70-b64b-3c62e31be9fd" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-74bb-9436-30131c6a44cf" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d70-b64b-3c62e31be9fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7a7f-96b5-58fa909b7921" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d70-b64b-3c62e31be9fd" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7a7f-96b5-58fa909b7921" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7b1f-8f11-917b249c9607" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7a7f-96b5-58fa909b7921" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7b1f-8f11-917b249c9607" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7271-aa2c-234863215a58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-74bb-9436-30131c6a44cf" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7271-aa2c-234863215a58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_019efa7f-b9ba-7178-8af2-fd97168c8062" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-7271-aa2c-234863215a58" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_019efa7f-b9ba-7178-8af2-fd97168c8062" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearTables" xlink:type="simple" xlink:href="ofg-20260625.xsd#ScheduleHLine4iScheduleofAssetsHeldAtEndofYearTables"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-7096-bf9d-d148f54178a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7ecd-9c72-e19aeb4ffc76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-7096-bf9d-d148f54178a7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7ecd-9c72-e19aeb4ffc76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d92-bec7-c8d6df7f36e1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7ecd-9c72-e19aeb4ffc76" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d92-bec7-c8d6df7f36e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7644-ab94-6fafb27b9b06" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d92-bec7-c8d6df7f36e1" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7644-ab94-6fafb27b9b06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7127-995d-2d82116bf76d" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7644-ab94-6fafb27b9b06" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7127-995d-2d82116bf76d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-73ec-830d-4514d8b115f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-7ecd-9c72-e19aeb4ffc76" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-73ec-830d-4514d8b115f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019efa7f-b9ba-74cd-a868-a3ea0e7039b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-73ec-830d-4514d8b115f5" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_019efa7f-b9ba-74cd-a868-a3ea0e7039b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/DescriptionofthePlanDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#DescriptionofthePlanDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/DescriptionofthePlanDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efa7f-b9ba-7732-b3d7-33fcc6e7a568" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7d06-9983-569527f67c86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanAbstract_019efa7f-b9ba-7732-b3d7-33fcc6e7a568" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7d06-9983-569527f67c86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7cc1-bc0b-8100db937a6d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7d06-9983-569527f67c86" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7cc1-bc0b-8100db937a6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7a55-8b39-ec2b3f241844" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7cc1-bc0b-8100db937a6d" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7a55-8b39-ec2b3f241844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7ac2-90a1-d31b591ea4cf" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7a55-8b39-ec2b3f241844" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7ac2-90a1-d31b591ea4cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019efa7f-b9ba-70af-9300-906970ccd104" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7d06-9983-569527f67c86" xlink:to="loc_srt_RangeAxis_019efa7f-b9ba-70af-9300-906970ccd104" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019efa7f-b9ba-7ea7-8bad-13ec6f99ceac" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019efa7f-b9ba-70af-9300-906970ccd104" xlink:to="loc_srt_RangeMember_019efa7f-b9ba-7ea7-8bad-13ec6f99ceac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019efa7f-b9ba-7e59-8371-68f36c7efb18" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019efa7f-b9ba-7ea7-8bad-13ec6f99ceac" xlink:to="loc_srt_MinimumMember_019efa7f-b9ba-7e59-8371-68f36c7efb18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019efa7f-b9ba-7af0-a0eb-7c57d125f515" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019efa7f-b9ba-7ea7-8bad-13ec6f99ceac" xlink:to="loc_srt_MaximumMember_019efa7f-b9ba-7af0-a0eb-7c57d125f515" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_019efa7f-b9ba-7d06-9983-569527f67c86" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPEmployerContributionMinimumAge_019efa7f-b9ba-78a8-950b-4d8e0044117e" xlink:href="ofg-20260625.xsd#ofg_EBPEmployerContributionMinimumAge"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_ofg_EBPEmployerContributionMinimumAge_019efa7f-b9ba-78a8-950b-4d8e0044117e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage_019efa7f-b9ba-7b51-9af9-5e34f05e4b93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionMatchingPercentage_019efa7f-b9ba-7b51-9af9-5e34f05e4b93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_019efa7f-b9ba-7196-ac5f-f65481b8454c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_019efa7f-b9ba-7196-ac5f-f65481b8454c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPEmployerContributionVestingServicePeriod_019efa7f-b9ba-74fc-82cf-3a7b9cd83702" xlink:href="ofg-20260625.xsd#ofg_EBPEmployerContributionVestingServicePeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_ofg_EBPEmployerContributionVestingServicePeriod_019efa7f-b9ba-74fc-82cf-3a7b9cd83702" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPEmployerContributionMaximumVestingAge_019efa7f-b9ba-7db6-b2b7-b44901ee72fd" xlink:href="ofg-20260625.xsd#ofg_EBPEmployerContributionMaximumVestingAge"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_ofg_EBPEmployerContributionMaximumVestingAge_019efa7f-b9ba-7db6-b2b7-b44901ee72fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm_019efa7f-b9ba-74a2-98f6-bdfccea2d984" xlink:href="ofg-20260625.xsd#ofg_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_ofg_EBPNoteReceivableFromParticipantGeneralLoanMaximumBorrowingTerm_019efa7f-b9ba-74a2-98f6-bdfccea2d984" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm_019efa7f-b9ba-7ba9-b526-c5f0b5f41e60" xlink:href="ofg-20260625.xsd#ofg_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_ofg_EBPNoteReceivableFromParticipantAccountPrimaryResidenceMaximumBorrowingTerm_019efa7f-b9ba-7ba9-b526-c5f0b5f41e60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_019efa7f-b9ba-7cf4-8f48-55720a5b17ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_019efa7f-b9ba-7547-939f-2e7102cf08bb" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_019efa7f-b9ba-7cf4-8f48-55720a5b17ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/SummaryofSignificantAccountingPoliciesDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#SummaryofSignificantAccountingPoliciesDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/SummaryofSignificantAccountingPoliciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-770d-892b-14f00ca6ded0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-726a-a59d-9dbda6e0ef8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_019efa7f-b9ba-770d-892b-14f00ca6ded0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-726a-a59d-9dbda6e0ef8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7216-8e38-82f9ecfbd114" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-726a-a59d-9dbda6e0ef8f" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7216-8e38-82f9ecfbd114" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7e30-9168-1657ec2a43c9" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7216-8e38-82f9ecfbd114" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7e30-9168-1657ec2a43c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7757-b5e4-3d31debfbec2" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7e30-9168-1657ec2a43c9" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7757-b5e4-3d31debfbec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7ed9-866f-83ed5f9bee5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-726a-a59d-9dbda6e0ef8f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7ed9-866f-83ed5f9bee5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBPDecreaseFromAdministrativeExpense_019efa7f-b9ba-7a86-a69a-f731c56fe5ce" xlink:href="ofg-20260625.xsd#ofg_EBPDecreaseFromAdministrativeExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-7ed9-866f-83ed5f9bee5d" xlink:to="loc_ofg_EBPDecreaseFromAdministrativeExpense_019efa7f-b9ba-7a86-a69a-f731c56fe5ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FairValueMeasurementsDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#FairValueMeasurementsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FairValueMeasurementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7935-8ae7-2781924aadee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7935-8ae7-2781924aadee" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-75b8-8448-af2311612d9b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-75b8-8448-af2311612d9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7b40-93fb-d801e7b5e6bb" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-75b8-8448-af2311612d9b" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7b40-93fb-d801e7b5e6bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7cd2-ae80-846f9d84dc4e" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7b40-93fb-d801e7b5e6bb" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7cd2-ae80-846f9d84dc4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-70af-b9df-d1cf2236eb18" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-70af-b9df-d1cf2236eb18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-7ff1-a8c0-e1a01c3b91d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-70af-b9df-d1cf2236eb18" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-7ff1-a8c0-e1a01c3b91d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel12And3Member_019efa7f-b9ba-7bd0-8f47-9a280be16d63" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel12And3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-7ff1-a8c0-e1a01c3b91d8" xlink:to="loc_us-gaap_FairValueInputsLevel12And3Member_019efa7f-b9ba-7bd0-8f47-9a280be16d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019efa7f-b9ba-7ed2-9b84-f80c8e40908c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsLevel12And3Member_019efa7f-b9ba-7bd0-8f47-9a280be16d63" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019efa7f-b9ba-7ed2-9b84-f80c8e40908c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019efa7f-b9ba-7595-9986-a2efeafa6eec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsLevel12And3Member_019efa7f-b9ba-7bd0-8f47-9a280be16d63" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019efa7f-b9ba-7595-9986-a2efeafa6eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019efa7f-b9ba-72d4-9f3c-768e24fe5799" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsLevel12And3Member_019efa7f-b9ba-7bd0-8f47-9a280be16d63" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019efa7f-b9ba-72d4-9f3c-768e24fe5799" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019efa7f-b9ba-713e-a4d7-f2119871143f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-7ff1-a8c0-e1a01c3b91d8" xlink:to="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019efa7f-b9ba-713e-a4d7-f2119871143f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7f45-b977-0a58ae5b7bce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7f45-b977-0a58ae5b7bce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7f45-b977-0a58ae5b7bce" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsMember_019efa7f-b9ba-7d41-811e-9347f8d8338c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:to="loc_us-gaap_InterestBearingDepositsMember_019efa7f-b9ba-7d41-811e-9347f8d8338c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-75ff-bff2-72ab5c9cd6c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MoneyMarketFundsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:to="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-75ff-bff2-72ab5c9cd6c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019efa7f-b9ba-7909-bd2b-a5f96507248f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:to="loc_us-gaap_CommonStockMember_019efa7f-b9ba-7909-bd2b-a5f96507248f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_019efa7f-b9ba-7975-8ed6-eba63de1ae58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:to="loc_us-gaap_MutualFundMember_019efa7f-b9ba-7975-8ed6-eba63de1ae58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-7a92-87d9-723d013793c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7e03-8a30-9dcff46c3ea1" xlink:to="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-7a92-87d9-723d013793c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-73dd-868e-a515aa28e2e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-76e9-8e50-d667b4e29238" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-73dd-868e-a515aa28e2e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7b83-a8d6-99842511405e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-73dd-868e-a515aa28e2e9" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7b83-a8d6-99842511405e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#FairValueMeasurementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/FairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7ed4-b35c-5fd3a82bb6d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavAbstract_019efa7f-b9ba-7ed4-b35c-5fd3a82bb6d7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7754-bd1a-f42a7a9630bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7754-bd1a-f42a7a9630bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-749d-9d70-ed89dd174090" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7754-bd1a-f42a7a9630bf" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-749d-9d70-ed89dd174090" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-77e7-a3fa-918d1cb2beb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-749d-9d70-ed89dd174090" xlink:to="loc_us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_019efa7f-b9ba-77e7-a3fa-918d1cb2beb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b0b-980e-f0c115040885" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b0b-980e-f0c115040885" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7e86-b6ed-b14cb930e634" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7b0b-980e-f0c115040885" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7e86-b6ed-b14cb930e634" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7f2b-bd39-952a484740b5" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7e86-b6ed-b14cb930e634" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7f2b-bd39-952a484740b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-7a6c-8f63-fdc74f0d28f5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-7a6c-8f63-fdc74f0d28f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-78be-837c-bab20ae25b05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019efa7f-b9ba-7a6c-8f63-fdc74f0d28f5" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-78be-837c-bab20ae25b05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019efa7f-b9ba-7fc5-ac8a-2ee07ae766e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019efa7f-b9ba-78be-837c-bab20ae25b05" xlink:to="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019efa7f-b9ba-7fc5-ac8a-2ee07ae766e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-74ea-80f7-848da29bdbaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_019efa7f-b9ba-712c-98e1-93a496828464" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-74ea-80f7-848da29bdbaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7114-9824-87c1c5e08f7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_019efa7f-b9ba-74ea-80f7-848da29bdbaa" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7114-9824-87c1c5e08f7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/RelatedPartiesandPartiesInInterestTransactionsDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#RelatedPartiesandPartiesInInterestTransactionsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/RelatedPartiesandPartiesInInterestTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019efa7f-b9ba-78c3-90b9-a9ce0f054e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsAbstract_019efa7f-b9ba-78c3-90b9-a9ce0f054e5e" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7992-b458-6ed03fb6017b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7992-b458-6ed03fb6017b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7da4-ac94-e1afeee5647a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7992-b458-6ed03fb6017b" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7da4-ac94-e1afeee5647a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7562-a565-8fdc4848059f" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7da4-ac94-e1afeee5647a" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7562-a565-8fdc4848059f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7a2a-ad2a-851f452a9dc5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7a2a-ad2a-851f452a9dc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7c85-a9c5-50e4311088a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-7a2a-ad2a-851f452a9dc5" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7c85-a9c5-50e4311088a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019efa7f-b9ba-7605-bfe6-7cee88ee0011" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7c85-a9c5-50e4311088a7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockMember_019efa7f-b9ba-7605-bfe6-7cee88ee0011" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-704c-aa32-a3782e309745" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MoneyMarketFundsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7c85-a9c5-50e4311088a7" xlink:to="loc_us-gaap_MoneyMarketFundsMember_019efa7f-b9ba-704c-aa32-a3782e309745" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIdentifierAxis_019efa7f-b9ba-74ae-9ea7-4c6d45d3f8d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIdentifierAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:to="loc_us-gaap_InvestmentIdentifierAxis_019efa7f-b9ba-74ae-9ea7-4c6d45d3f8d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7a2d-906c-cdf7466c1799" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_019efa7f-b9ba-7235-97bc-88e0d10611d7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7a2d-906c-cdf7466c1799" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_019efa7f-b9ba-7b9e-aca3-b52cc37623c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7a2d-906c-cdf7466c1799" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_019efa7f-b9ba-7b9e-aca3-b52cc37623c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7f10-96af-befe2b09d626" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7a2d-906c-cdf7466c1799" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019efa7f-b9ba-7f10-96af-befe2b09d626" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019efa7f-b9ba-7820-88ca-55354857b8cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_019efa7f-b9ba-7a2d-906c-cdf7466c1799" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019efa7f-b9ba-7820-88ca-55354857b8cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ExcessContributionsPayableToParticipantsDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#ExcessContributionsPayableToParticipantsDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ExcessContributionsPayableToParticipantsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ofg_ExcessContributionsPayableToParticipantsAbstract_019efa7f-b9ba-7945-b0a8-527bea525f58" xlink:href="ofg-20260625.xsd#ofg_ExcessContributionsPayableToParticipantsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7367-a81e-7e71ed322fb2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ofg_ExcessContributionsPayableToParticipantsAbstract_019efa7f-b9ba-7945-b0a8-527bea525f58" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7367-a81e-7e71ed322fb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d24-b190-300cac3a6bbf" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7367-a81e-7e71ed322fb2" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d24-b190-300cac3a6bbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-78ed-8c62-21527c0c5824" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-7d24-b190-300cac3a6bbf" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-78ed-8c62-21527c0c5824" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-7be7-9172-d282309c77d4" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-78ed-8c62-21527c0c5824" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-7be7-9172-d282309c77d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-79af-900b-5df1c16800d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentTable_019efa7f-b9ba-7367-a81e-7e71ed322fb2" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-79af-900b-5df1c16800d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanExcessContributionPayable_019efa7f-b9ba-774e-aa42-c394df299eb5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanExcessContributionPayable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNonparticipantDirectedInvestmentLineItems_019efa7f-b9ba-79af-900b-5df1c16800d3" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanExcessContributionPayable_019efa7f-b9ba-774e-aa42-c394df299eb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails" xlink:type="simple" xlink:href="ofg-20260625.xsd#ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails"/>
  <link:presentationLink xlink:role="http://ofgbancorp.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-72aa-8d1e-2a335651f4d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentAbstract_019efa7f-b9ba-72aa-8d1e-2a335651f4d0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019efa7f-b9ba-770b-99fa-494fb15abd47" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:to="loc_dei_LegalEntityAxis_019efa7f-b9ba-770b-99fa-494fb15abd47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019efa7f-b9ba-7f0c-b08a-4a5d9150526d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_019efa7f-b9ba-770b-99fa-494fb15abd47" xlink:to="loc_dei_EntityDomain_019efa7f-b9ba-7f0c-b08a-4a5d9150526d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ofg_EBP002Member_019efa7f-b9ba-79ce-82b5-2637777bd214" xlink:href="ofg-20260625.xsd#ofg_EBP002Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_019efa7f-b9ba-7f0c-b08a-4a5d9150526d" xlink:to="loc_ofg_EBP002Member_019efa7f-b9ba-79ce-82b5-2637777bd214" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIdentifierAxis_019efa7f-b9ba-7bdf-ba3c-7bf9f887a1fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIdentifierAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:to="loc_us-gaap_InvestmentIdentifierAxis_019efa7f-b9ba-7bdf-ba3c-7bf9f887a1fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-72f5-aec2-c5f9306c193d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:to="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-72f5-aec2-c5f9306c193d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7dee-bace-9937aa54ff77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_019efa7f-b9ba-72f5-aec2-c5f9306c193d" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7dee-bace-9937aa54ff77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_019efa7f-b9ba-73a5-9e96-726a16834c3a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019efa7f-b9ba-7dee-bace-9937aa54ff77" xlink:to="loc_us-gaap_MutualFundMember_019efa7f-b9ba-73a5-9e96-726a16834c3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019efa7f-b9ba-7e2f-a400-c400424fc767" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:to="loc_srt_RangeAxis_019efa7f-b9ba-7e2f-a400-c400424fc767" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019efa7f-b9ba-70a9-8b80-6b305a69f2b6" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_019efa7f-b9ba-7e2f-a400-c400424fc767" xlink:to="loc_srt_RangeMember_019efa7f-b9ba-70a9-8b80-6b305a69f2b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019efa7f-b9ba-7a81-99a6-16982e4c8e85" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019efa7f-b9ba-70a9-8b80-6b305a69f2b6" xlink:to="loc_srt_MinimumMember_019efa7f-b9ba-7a81-99a6-16982e4c8e85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019efa7f-b9ba-7196-918c-aa03eb26ad7f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_019efa7f-b9ba-70a9-8b80-6b305a69f2b6" xlink:to="loc_srt_MaximumMember_019efa7f-b9ba-7196-918c-aa03eb26ad7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_019efa7f-b9ba-77bd-ac48-c4ac2311bb3d" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019efa7f-b9ba-7557-a887-ee2881f6bb85" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_dei_EntityTaxIdentificationNumber_019efa7f-b9ba-7557-a887-ee2881f6bb85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanPlanNumber_019efa7f-b9ba-754a-b25a-8fcb339aef40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanPlanNumber"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanPlanNumber_019efa7f-b9ba-754a-b25a-8fcb339aef40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_019efa7f-b9ba-7fd1-a787-3f2e867967ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_019efa7f-b9ba-7fd1-a787-3f2e867967ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019efa7f-b9ba-77dd-a3d1-be96a43b6b82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019efa7f-b9ba-77dd-a3d1-be96a43b6b82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019efa7f-b9ba-7679-b459-9ebd170ee51b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019efa7f-b9ba-7679-b459-9ebd170ee51b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019efa7f-b9ba-7795-8aa8-64d2ee6d6717" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019efa7f-b9ba-7795-8aa8-64d2ee6d6717" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019efa7f-b9ba-7bf9-8d98-769006de9890" xlink:href="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_019efa7f-b9ba-762c-9cb0-811c333ff61f" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_019efa7f-b9ba-7bf9-8d98-769006de9890" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
