FirstBank Puerto Rico
Total assets
$19.22B
▲ +1.7% YoY
Deposits
$16.90B
▲ +1.8% YoY
Loans
$13.03B
▲ +3.1% YoY
Offices
73
FIRST BCORP
ROA (annualized)
1.89%
peers 1.23%
ROE (annualized)
18.97%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | FirstBank Puerto Rico | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +5.9% | -4.1 pts |
| Deposit growth (YoY) | +1.8% | +5.7% | -3.9 pts |
| Loan growth (YoY) | +3.1% | +6.9% | -3.8 pts |
| ROA | 1.89% | 1.23% | +0.7 pts |
| ROE | 19.0% | 11.2% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
Profile
- Established
- 1949
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 1519 Ave Ponce De Leon, Santurce, PR, 00909
- County
- San Juan
- Metro area
- San Juan-Bayamon-Caguas, PR
- Offices
- 73
- FDIC cert #
- 30387
- RSSD ID
- 510871
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.22B | $16.90B | $13.03B | $1.93B | $181.1M | 1.89% | 4.90% | 0.67% |
| Q1 2026 | $19.07B | $16.65B | $12.86B | $1.90B | $85.8M | 1.80% | 4.83% | 0.65% |
| Q4 2025 | $19.11B | $16.72B | $12.89B | $1.90B | $323.6M | 1.69% | 4.74% | 0.70% |
| Q3 2025 | $19.30B | $16.92B | $12.81B | $1.84B | $237.6M | 1.65% | 4.70% | 0.70% |
| Q2 2025 | $18.89B | $16.61B | $12.63B | $1.79B | $155.0M | 1.62% | 4.70% | 0.77% |
| Q1 2025 | $19.10B | $16.87B | $12.44B | $1.74B | $75.1M | 1.56% | 4.64% | 0.80% |
| Q4 2024 | $19.29B | $16.91B | $12.52B | $1.69B | $306.0M | 1.61% | 4.52% | 0.77% |
| Q3 2024 | $18.85B | $16.38B | $12.21B | $1.78B | $228.7M | 1.62% | 4.49% | 0.82% |
Loan mix (Q2 2026): real estate $6.58B · commercial $1.99B · consumer $2.78B · securities $4.92B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | FirstBank Puerto Rico | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.23% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.3% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.55% | 90th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 54.9% | 29th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | FirstBank Puerto Rico | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | FirstBank Puerto Rico | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | FirstBank Puerto Rico | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | FirstBank Puerto Rico | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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