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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.17% | 1.17% | 1.32% | 1.38% | +23 bps | |
| Return on Equity | 20.32% | 20.09% | 19.88% | 20.87% | 21.78% | +147 bps | |
| Net Interest Margin | 3.51% | 3.52% | 3.61% | 3.70% | 3.65% | +14 bps | |
| Efficiency Ratio | 61.01% | 60.42% | 59.89% | 56.47% | 56.26% | -475 bps | |
| Non-Interest Burden | 1.82% | 1.80% | 1.82% | 1.72% | 1.68% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.23% | 4.99% | 2.24% | 2.51% | 4.22% | -1 bps | |
| Loan Growth (YoY) | 6.71% | 5.69% | 5.77% | 6.04% | 4.78% | -193 bps | |
| Deposit Growth (YoY) | 2.46% | 4.16% | 1.28% | 2.25% | 4.88% | +242 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 2.43% | 2.50% | 2.35% | 2.40% | +66 bps | |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.48% | 7.47% | 7.52% | 7.39% | 7.53% | +5 bps | |
| Total Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.01% | 49.56% | 50.65% | 49.62% | 47.97% | -4 bps | |
| Liquid Assets / Assets | 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 |