Firstbank Puerto Rico
Santurce, PR·RSSD 510871·FDIC 30387·bank:510871·Risk-based ratios where reported
- #2 of 4Total assets in Puerto Rico
- Top 3%Total assets in the U.S.
- 11offices
- 3,173employees
- Top 9%Net interest margin in the U.S.
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.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Where Firstbank Puerto Rico differs most from peers
Reliance on CDs rising while the peer median fallsContext: Funding24.4%peers 15.6%+8.8 pp
Firstbank Puerto Rico's time deposits' share of deposits rose 1.8 percentage points over the past year to 24.4%. Among 106 similar banks, the median fell 0.9 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 24.4% | 15.6% | +8.8 pp |
| 12-month change | ||
| +1.8 pp | -0.9 pp | +2.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Firstbank Puerto Rico itself is left out of every peer median and percentile. How signals work
Net interest margin among the highest of similar banksContext: Earnings5.00%peers 3.74%+126 bps
Firstbank Puerto Rico's net interest margin was 5.00%, compared with a median of 3.74% among 107 similar banks: higher than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.00% | 3.74% | +126 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Firstbank Puerto Rico itself is left out of every peer median and percentile. How signals work
Leverage capital ratio among the highest of similar banksContext: Capital11.54%peers 10.33%+1.2 pp
Firstbank Puerto Rico's leverage ratio was 11.54%, compared with a median of 10.33% among 111 similar banks: higher than 83% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.54% | 10.33% | +1.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Firstbank Puerto Rico itself is left out of every peer median and percentile. How signals work
Key facts
- Firstbank Puerto Rico is a bank headquartered in Santurce, Puerto Rico. It reported $19.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $16.9 billion, up 1.8% from a year earlier, and loans totaled $13.3 billion, up 3.1%.
- Its net interest margin was 5.00% and its annualized return on assets was 2.00% for the quarter.
- Its cost of all deposits was 1.36%, compared with a median of 1.87% among 106 similar banks with $10 billion to $50 billion 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 Firstbank Puerto Rico's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Firstbank Puerto Rico · Bank
- Federal Reserve RSSD
- 510871
- FDIC certificate
- 30387
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Firstbank 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 |
|---|---|---|
| $95.28M | — | |
| $287.71M | — | |
| $59.14M | — | |
| $228.57M | — | |
| $34.79M | — | |
| $127.36M | — | |
| $15.96M | — | |
| $17.33M | — | |
| 2.00% | 1.99%ROAQ · Quarter | |
| 5.00% | 4.99%NIMYQ · Quarter | |
| 48.36% | 48.28%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.