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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 34968 · PR A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1722/4307
  • PHOTO-FINISH Commercial Capital B… · LA
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-HEALTHY 15.3% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Puerto Rico: Commercial Capital Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Banco Popular de Puerto Rico

Lowest and highest poles plus nearest scored peers outside Puerto Rico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banco Popular de Pue… · PR ·…82/100Commercial Capital B… · LA ·…82/100First Fidelity Bank · AL · n…82/100Miami Savings Bank · OH · ne…82/100OPTUS Bank · SC · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Banco Popular de Puerto Rico · July 2026

What Banco Popular de Puerto Rico's Call Report plate shows

Banco Popular de Puerto Rico (FDIC Cert #34968) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,722 of 4,307. Tier 1 capital prints at 15.59%, clearing the 10% well-capitalized line. The Texas Ratio is 15.28%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $59.8B, 46th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commercial Capital Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Banco Popular de Puerto Rico

4 FAILURE resolutions in Puerto Rico since 2000 (4 since 2008)

Banco Popular de Puerto Rico's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Banco Popular de Puerto Rico remains an active FDIC-insured reporter.

  • DORAL BANK SAN JUAN, PR 2015 → BANCO POPULAR DE PUERTO RICO
  • EUROBANK SAN JUAN, PR 2010 → ORIENTAL BANK AND TRUST
  • WESTERNBANK PUERTO RICO MAYAGUEZ, PR 2010 → BANCO POPULAR DE PUERTO RICO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Puerto Rico banks.

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.

0/100100/100National avg77/10082/100
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 Assets

$59.8B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.19% 15.59% 16.99%
Basel III capital ratios - Banco Popular de Puerto Rico

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 40% higher than 60% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Banco Popular de Puerto Rico 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Banco Popular de Puerto Rico

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

What these ratios mean →

Earnings posture at Banco Popular de Puerto Rico

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
19.88%
Efficiency Ratio
59.89%

What these mean →

Income & expense at Banco Popular de Puerto Rico

$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.

FDIC Failed Bank List → View Banco Popular de Puerto Rico on FDIC BankFind →

Top banks in Puerto Rico by total assets

Largest banks headquartered in Puerto Rico
  1. 1
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  2. 2
    FirstBank Puerto Rico $19.1B

    Santurce, PR · Grade A

  3. 3
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  4. 4
    Nave Bank $427M

    San Juan, PR · Grade C

  5. 5
    Banco Cooperativo de Puerto Rico -

    San Juan, PR · Grade -

Top 5 banks in Puerto Rico ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Banco Popular de Puerto Rico nationally by total assets
  1. 1
    Bank of China $61.9B

    New York, NY · Grade F

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  5. 5
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  6. 6
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($59.8B here), outside Puerto Rico so the neighborhood is not state containment.

Bank of China $61.9B · NY Pinnacle Bank $57.6B · TN CIBC Bank USA $64.0B · IL Valley National Bank $64.1B · NJ

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.

Banco Popular de Puerto Rico Call Report profile · FDIC Failed Bank List · Puerto Rico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Puerto Rico

All Puerto Rico banks →
BankAssetsGradeROA
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 - -