Firstbank Puerto Rico
San Juan, PR · Cert 30387 · Peer group: banks over $10B in assets (n=142-144) · First Bcorp
State charter, non-member · FDIC · 73 branches
Q2 2026
$19.2BAssets
$13.3BLoans
$16.6BDeposits
$1.9BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks over $10B in assets (rank 15 of 144).
- Widest gap: net charge-offs / loans trails 83% of banks over $10B in assets (rank 119 of 142).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.88%
Rank 16 of 144
Net Interest Margin
4.62%
Rank 15 of 144
Efficiency Ratio
49.16%
Rank 35 of 144
Equity / Assets
10.05%
Rank 97 of 144
Non-interest income vs. expense
Unfavorable gap of $371.9M · efficiency ratio beats 76% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 1.00% | 1.26% | 1.54% | Beats 89% | 16 / 144 | |
| Return on Equity | 18.76% | 8.98% | 11.34% | 14.40% | Beats 89% | 16 / 144 | |
| Net Interest Margin | 4.62% | 2.82% | 3.31% | 3.68% | Beats 90% | 15 / 144 | |
| Efficiency Ratio | 49.16% | 49.42% | 56.02% | 62.41% | Beats 76% | 35 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.48% | 0.73% | 1.07% | Beats 35% | 93 / 142 | |
| Net Charge-Offs / Loans | 0.37% | 0.05% | 0.11% | 0.22% | Beats 17% | 119 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 16.71% | 12.07% | 12.98% | 14.92% | Beats 85% | 21 / 144 | |
| Total Risk-Based Capital Ratio | 17.97% | 13.39% | 14.14% | 16.25% | Beats 85% | 21 / 144 | |
| Equity / Assets | 10.05% | 9.69% | 11.39% | 12.96% | Beats 33% | 97 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 79.84% | 75.72% | 84.92% | 91.56% | 34th pctl | 95 / 143 | |
| Loans / Assets | 69.05% | 59.83% | 69.07% | 74.80% | 49th pctl | 73 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |