Total Assets
$19.1B
Total balance-sheet footings
FDIC Cert #30387 · Santurce, Puerto Rico · Est. 1949
FirstBank Puerto Rico - FDIC Bank Health Profile
A community-scale look at FirstBank Puerto Rico's own numbers, pulled straight from its quarterly FDIC Call Report.
- $19.1B
- Total assets
- A
- Health grade · Excellent
- 1.69%
- Return on assets
- 15.6%
- Tier 1 capital
Data updated July 2026
The verdict
FirstBank Puerto Rico earns a PlainBankData health grade of A (96/100), with well-capitalized at 15.60% Tier 1, profitable at 1.69% ROA, efficient (50% cost ratio).
- #107
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 15.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How FirstBank Puerto Rico's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
FirstBank Puerto Rico's composite health score
Tier 1 Capital Ratio (15.60%) 40/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (5.80%) 16/20
Efficiency Ratio (49.71%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$16.7B
Customer-funded liabilities
Net Loans
$12.9B
Outstanding loan book
Net Income
$324M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where FirstBank Puerto Rico ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FirstBank Puerto Rico's score of 96/100 falls in the highlighted band.
FirstBank 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). FirstBank Puerto Rico's $19.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.60%
Texas Ratio
5.80%
Equity Capital
$1.9B
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
18.04%
Efficiency Ratio
49.71%
What the numbers say about FirstBank Puerto Rico
FirstBank Puerto Rico is an FDIC-insured institution (Certificate #30387) headquartered in Santurce, Puerto Rico, established in 1949. It holds $19.1B in total assets - 107th of 4,313 FDIC-insured banks, $16.7B in customer deposits, and $12.9B in net loans. Looking at capital strength, Tier 1 stands at 15.60%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.80%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (96/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
FirstBank Puerto Rico's asset base places it among the largest FDIC-insured institutions in the country, 107th of 4,313 nationally, and 2nd of 5 banks headquartered in Puerto Rico. Only Banco Popular de Puerto Rico ($59.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$1.1B
Interest Income
$124M
Non-Interest Income
$496M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. FirstBank Puerto Rico reports a Texas Ratio of 5.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.80% - 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 FirstBank Puerto Rico by assets
FirstBank Puerto Rico is closely matched in total assets by First Merchants Bank, Apple Bank, Trustmark Bank, Merchants Bank of Indiana across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.13%, versus FirstBank Puerto Rico's own 1.69%; the average efficiency ratio is 56.50%, versus 49.71% here; and average Tier 1 capital sits at 11.81%, versus 15.60% at FirstBank Puerto Rico. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $19.1B in assets, FirstBank 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 |
|---|---|---|---|---|---|
| FirstBank Puerto Rico (this bank) | PR | $19.1B | 1.69% | 49.71% | 15.60% |
| First Merchants Bank | IN | $19.0B | 1.27% | 54.97% | 11.86% |
| Apple Bank | NY | $19.2B | 0.34% | 78.94% | 11.30% |
| Trustmark Bank | MS | $18.9B | 1.26% | 62.79% | 12.33% |
| Merchants Bank of Indiana | IN | $19.4B | 1.20% | 43.06% | 12.84% |
| Stifel Bank and Trust | MO | $19.4B | 1.82% | 27.28% | 11.18% |
| TowneBank | VA | $19.7B | 0.90% | 71.94% | 11.34% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FirstBank Puerto Rico (FDIC Cert #30387) - 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 |
|---|---|---|---|
| Banco Popular de Puerto RicoSan Juan | $59.8B | A | 1.17% |
| 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 FirstBank Puerto Rico's health grade?▼
FirstBank Puerto Rico receives a health grade of A (96/100) 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 FirstBank Puerto Rico?▼
FirstBank Puerto Rico holds $19.1B in total assets and $16.7B in deposits, ranking 107th of 4,313 FDIC-insured banks by asset size. It is headquartered in Santurce, Puerto Rico.
Is my money safe at FirstBank Puerto Rico?▼
Yes, deposits at FirstBank Puerto Rico (Certificate #30387) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FirstBank Puerto Rico's Tier 1 Capital Ratio?▼
FirstBank Puerto Rico has a Tier 1 Capital Ratio of 15.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for FirstBank Puerto Rico?▼
FirstBank Puerto Rico has a Texas Ratio of 5.80%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is FirstBank Puerto Rico?▼
FirstBank Puerto Rico has an Efficiency Ratio of 49.71%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FirstBank Puerto Rico's profile as a depositor or analyst.
- FirstBank Puerto Rico's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FirstBank 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.