Total Assets
$59.8B
Total balance-sheet footings
FDIC Cert #34968 · San Juan, Puerto Rico · Est. 1999
Banco Popular de Puerto Rico - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $59.8B
- Total assets
- A
- Health grade · Excellent
- 1.17%
- Return on assets
- 15.6%
- Tier 1 capital
Data updated July 2026
The verdict
Banco Popular de Puerto Rico earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.59% Tier 1, profitable at 1.17% ROA, efficient (60% cost ratio).
- #46
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 15.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 55th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Banco Popular de Puerto Rico's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Banco Popular de Puerto Rico's composite health score
Tier 1 Capital Ratio (15.59%) 40/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (15.28%) 10/20
Efficiency Ratio (59.89%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$54.8B
Customer-funded liabilities
Net Loans
$26.8B
Outstanding loan book
Net Income
$699M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Banco Popular de Puerto Rico ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Banco Popular de Puerto Rico's score of 82/100 falls in the highlighted band.
Banco Popular de Puerto Rico's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Banco Popular de Puerto Rico's $59.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.59%
Texas Ratio
15.28%
Equity Capital
$3.8B
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
19.88%
Efficiency Ratio
59.89%
What the numbers say about Banco Popular de Puerto Rico
Banco Popular de Puerto Rico is an FDIC-insured institution (Certificate #34968) headquartered in San Juan, Puerto Rico, established in 1999. It holds $59.8B in total assets - 46th of 4,313 FDIC-insured banks, $54.8B in customer deposits, and $26.8B in net loans. Capital-wise, the Tier 1 ratio sits at 15.59%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 15.28%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Banco Popular de Puerto Rico sits in the top decile of all FDIC-insured institutions by asset size (46th of 4,313), and within Puerto Rico it ranks 1st of 5 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is FirstBank Puerto Rico, at $19.1B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$3.0B
Interest Income
$515M
Non-Interest Income
$1.6B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Banco Popular de Puerto Rico reports a Texas Ratio of 15.28% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.28% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Puerto Rico by total assets
National size peers: banks closest to Banco Popular de Puerto Rico by assets
Measured strictly by total assets rather than geography, Banco Popular de Puerto Rico's closest national peers include Bank of China, Pinnacle Bank, CIBC Bank USA, Valley National Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Puerto Rico. Averaged across this asset-matched cohort, return on assets runs 1.00% (Banco Popular de Puerto Rico is above that at 1.17%), the efficiency ratio averages 43.63% (Banco Popular de Puerto Rico runs higher at 59.89%), and Tier 1 capital averages 11.24% (Banco Popular de Puerto Rico holds more at 15.59%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $59.8B in assets, Banco Popular de Puerto Rico has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Banco Popular de Puerto Rico (this bank) | PR | $59.8B | 1.17% | 59.89% | 15.59% |
| Bank of China | NY | $61.9B | 0.00% | 0.00% | 0.00% |
| Pinnacle Bank | TN | $57.6B | 1.25% | 53.06% | 11.13% |
| CIBC Bank USA | IL | $64.0B | 1.47% | 37.10% | 17.22% |
| Valley National Bank | NJ | $64.1B | 0.99% | 53.71% | 12.46% |
| Frost Bank | TX | $53.1B | 1.26% | 62.53% | 14.33% |
| Columbia Bank | OR | $66.8B | 1.00% | 55.35% | 12.32% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Banco Popular de Puerto Rico (FDIC Cert #34968) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Puerto Rico
All Puerto Rico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBank Puerto RicoSanturce | $19.1B | A | 1.69% |
| Oriental BankSan Juan | $12.4B | A | 1.59% |
| Nave BankSan Juan | $427M | C | -2.50% |
| Banco Cooperativo de Puerto RicoSan Juan | - | - |
Frequently asked questions
What is Banco Popular de Puerto Rico's health grade?▼
Banco Popular de Puerto Rico receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Banco Popular de Puerto Rico?▼
Banco Popular de Puerto Rico holds $59.8B in total assets and $54.8B in deposits, ranking 46th of 4,313 FDIC-insured banks by asset size. It is headquartered in San Juan, Puerto Rico.
Is my money safe at Banco Popular de Puerto Rico?▼
Yes, deposits at Banco Popular de Puerto Rico (Certificate #34968) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Banco Popular de Puerto Rico's Tier 1 Capital Ratio?▼
Banco Popular de Puerto Rico has a Tier 1 Capital Ratio of 15.59%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Banco Popular de Puerto Rico?▼
Banco Popular de Puerto Rico has a Texas Ratio of 15.28%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Banco Popular de Puerto Rico?▼
Banco Popular de Puerto Rico has an Efficiency Ratio of 59.89%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Banco Popular de Puerto Rico's profile as a depositor or analyst.
- Banco Popular de Puerto Rico's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Banco Popular de Puerto Rico against other Puerto Rico banks before moving funds. Puerto Rico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.