| Metric | Popular Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.9% | -4.7 pts |
| Deposit growth (YoY) | -0.1% | +5.7% | -5.8 pts |
| Loan growth (YoY) | +3.4% | +6.9% | -3.5 pts |
| ROA | 0.98% | 1.23% | -0.3 pts |
| ROE | 6.9% | 11.2% | -4.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.03B | $11.93B | $11.68B | $2.16B | $73.6M | 0.98% | 3.20% | 0.31% |
| Q1 2026 | $14.95B | $12.23B | $11.52B | $2.13B | $37.0M | 0.99% | 3.18% | 0.26% |
| Q4 2025 | $15.06B | $12.03B | $11.58B | $2.09B | $87.8M | 0.60% | 2.99% | 0.26% |
| Q3 2025 | $14.94B | $12.16B | $11.44B | $2.06B | $55.2M | 0.50% | 2.92% | 0.33% |
| Q2 2025 | $14.86B | $11.95B | $11.29B | $2.03B | $37.4M | 0.51% | 2.87% | 0.37% |
| Q1 2025 | $14.53B | $11.95B | $11.05B | $2.01B | $14.8M | 0.41% | 2.76% | 0.36% |
| Q4 2024 | $14.33B | $11.70B | $10.86B | $1.98B | $77.6M | 0.55% | 2.72% | 0.41% |
| Q3 2024 | $14.31B | $11.89B | $10.39B | $1.98B | $53.6M | 0.51% | 2.70% | 0.51% |
Loan mix (Q2 2026): real estate $9.12B · commercial $370.5M · consumer $68.0M · securities $1.44B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Popular Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.23% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 54.9% | 52th |
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% |
| Ratio | Popular Bank | 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% |
| Ratio | Popular Bank | 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% |
| Ratio | Popular Bank | 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% |
| Ratio | Popular Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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