Banco Popular de Puerto Rico
San Juan, PR·RSSD 940311·FDIC 34968·bank:940311·Risk-based ratios where reported
- #1 of 4Total assets in Puerto Rico
- Top 1%Total assets in the U.S.
- 1offices
- 7,278employees
- Top 10%Cost of deposits vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Banco Popular de Puerto Rico
2 of 25 FORFI signals stand out against 52 similar banks, based on FDIC data for the quarter.
Net charge-offs rising while the peer median fallsWorth a look: Asset quality1.48%peers 0.26%+122 bps
Banco Popular de Puerto Rico's annualized net charge-off rate rose 87 bps over the past year to 1.48%. Among 50 similar banks, the median fell 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.48% | 0.26% | +122 bps |
| 12-month change | ||
| +87 bps | -3 bps | +89 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Banco Popular de Puerto Rico itself is left out of every peer median and percentile. How signals work
Where Banco Popular de Puerto Rico differs most from peers
Deposit costs among the lowest of similar banksContext: Funding1.32%peers 1.80%-48 bps
Banco Popular de Puerto Rico's cost of all deposits was 1.32%, compared with a median of 1.80% among 50 similar banks: lower than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.32% | 1.80% | -48 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Banco Popular de Puerto Rico itself is left out of every peer median and percentile. How signals work
Loan-to-deposit ratio among the lowest of similar banksContext: Liquidity47.6%peers 80.2%-32.6 pp
Banco Popular de Puerto Rico's loans as a share of deposits was 47.6%, compared with a median of 80.2% among 52 similar banks: lower than 88% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 47.6% | 80.2% | -32.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Banco Popular de Puerto Rico itself is left out of every peer median and percentile. How signals work
1 more observation
- Problem loans rising while the peer median fallsAsset quality
Key facts
- Banco Popular de Puerto Rico is a bank headquartered in San Juan, Puerto Rico. It reported $63.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $58.7 billion, up 5.0% from a year earlier, and loans totaled $27.9 billion, up 4.8%.
- Its net interest margin was 3.99% and its annualized return on assets was 1.45% for the quarter.
- Its cost of all deposits was 1.32%, compared with a median of 1.80% among 50 similar banks with $50 billion or more in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Banco Popular de Puerto Rico's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Banco Popular de Puerto Rico · Bank
- Federal Reserve RSSD
- 940311
- FDIC certificate
- 34968
- Reporting period
- Peer group
- 52 banks with $50 billion or more in assets that filed FDIC data for the same quarter. Banco Popular de Puerto Rico itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $224M | — | |
| $777M | — | |
| $190M | — | |
| $587M | — | |
| $139M | — | |
| $407M | — | |
| $62M | — | |
| $63M | — | |
| 1.45% | 1.45%ROAQ · Quarter | |
| 3.99% | 3.98%NIMYQ · Quarter | |
| 56.06% | 56.06%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.