San Juan, PR · Cert 34968 · Popular Inc.
State charter, Fed member · FED · 163 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
8
Profitability
74
Liquidity
0
Efficiency
47
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Juan, PR · Cert 34968 · Popular Inc.
State charter, Fed member · FED · 1 affiliate bank · 163 branches (199 in holding)
Q2 2026
Market Position · San Juan-Bayamon-Caguas, PR · 2026 SOD (annual) · 66.3% share · #1 of 6 inst. · $49.5B of $74.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.92% | 1.11% | 1.15% | 1.17% | 1.17% | 1.32% | 1.38% | +23 bps | |
| Return on Equity | 16.76% | 17.11% | 20.09% | 20.32% | 20.09% | 19.88% | 20.87% | 21.78% | +147 bps | |
| Net Interest Margin | 3.30% | 3.35% | 3.48% | 3.51% | 3.52% | 3.61% | 3.70% | 3.65% | +14 bps | |
| Efficiency Ratio | 63.81% | 63.24% | 60.75% | 61.01% | 60.42% | 59.89% | 56.47% | 56.26% | -475 bps | |
| Non-Interest Burden | 1.78% | 1.79% | 1.80% | 1.82% | 1.80% | 1.82% | 1.72% | 1.68% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 2.78% | 3.55% | 4.23% | 4.99% | 2.24% | 2.51% | 4.22% | -1 bps | |
| Loan Growth (YoY) | 8.41% | 6.94% | 6.17% | 6.71% | 5.69% | 5.77% | 6.04% | 4.78% | -193 bps | |
| Deposit Growth (YoY) | -2.13% | 1.69% | 2.35% | 2.46% | 4.16% | 1.28% | 2.25% | 4.88% | +242 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.04% | 2.06% | 1.85% | 1.74% | 2.43% | 2.50% | 2.35% | 2.40% | +66 bps | |
| Net Charge-Offs / Loans | 0.84% | 0.86% | 0.72% | 0.65% | 0.71% | 0.70% | 0.86% | 1.15% | +50 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.53% | 7.55% | 7.26% | 7.48% | 7.47% | 7.52% | 7.39% | 7.53% | +5 bps | |
| Total Risk-Based Capital | 17.21% | 17.05% | 16.97% | 17.24% | 17.16% | 16.85% | 17.01% | 17.66% | +42 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.84% | 48.50% | 47.84% | 48.01% | 49.56% | 50.65% | 49.62% | 47.97% | -4 bps | |
| Liquid Assets / Assets | 14.09% | 13.50% | 13.16% | 12.63% | 12.66% | 12.45% | 11.67% | 9.98% | -266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
San Juan, PR · Cert 34968 · Peer group: banks over $10B in assets (n=142-144) · Popular Inc.
State charter, Fed member · FED · 1 affiliate bank · 163 branches (199 in holding)
Q2 2026
Return on Assets
1.33%
Rank 60 of 144
Net Interest Margin
3.65%
Rank 39 of 144
Efficiency Ratio
56.26%
Rank 77 of 144
Equity / Assets
6.37%
Rank 141 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 1.00% | 1.26% | 1.54% | Beats 58% | 60 / 144 | ||
| Return on Equity | 20.93% | 8.98% | 11.34% | 14.40% | Beats 91% | 13 / 144 | ||
| Net Interest Margin | 3.65% | 2.82% | 3.31% | 3.68% | Beats 73% | 39 / 144 | ||
| Efficiency Ratio | 56.26% | 49.42% | 56.02% | 62.41% | Beats 47% | 77 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.40% | 0.48% | 0.73% | 1.07% | Beats 5% | 136 / 142 | ||
| Net Charge-Offs / Loans | 0.75% | 0.05% | 0.11% | 0.22% | Beats 10% | 129 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.40% | 12.07% | 12.98% | 14.92% | Beats 85% | 22 / 144 | ||
| Total Risk-Based Capital Ratio | 17.66% | 13.39% | 14.14% | 16.25% | Beats 84% | 23 / 144 | ||
| Equity / Assets | 6.37% | 9.69% | 11.39% | 12.96% | Beats 2% | 141 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.97% | 75.72% | 84.92% | 91.56% | 5th pctl | 136 / 143 | ||
| Loans / Assets | 44.09% | 59.83% | 69.07% | 74.80% | 10th pctl | 129 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||