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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 30387 · PR A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #267/4307
  • PHOTO-FINISH Comenity Bank · DE
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 5.8% Texas
  • ROA-STRONG 1.69% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Puerto Rico: Comenity Bank, DE (±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 FirstBank Puerto Rico

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

Morgan Stanley Bank,… · UT ·…100/100Capital Community Bank · UT …96/100Comenity Bank · DE · near96/100EvaBank · AL · near96/100FirstBank Puerto Rico · PR ·…96/100Golden Bank, Nationa… · TX ·…96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FirstBank Puerto Rico · July 2026

What FirstBank Puerto Rico's Call Report plate shows

FirstBank Puerto Rico (FDIC Cert #30387) carries a PlainBankData health grade of A at 96/100, 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 #267 of 4,307. Tier 1 capital prints at 15.60%, clearing the 10% well-capitalized line. The Texas Ratio is 5.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.69%. Balance-sheet scale is $19.1B, 107th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Comenity Bank (DE), 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 FirstBank Puerto Rico

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

FirstBank 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; FirstBank 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 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.

0/100100/100National avg77/10096/100
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 Assets

$19.1B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.2% 15.6% 17%
Basel III capital ratios - FirstBank Puerto Rico

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 6% higher than 94% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. FirstBank 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

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 ratios for FirstBank Puerto Rico

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

What these ratios mean →

Earnings posture at FirstBank Puerto Rico

Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
18.04%
Efficiency Ratio
49.71%

What these mean →

Income & expense at FirstBank Puerto Rico

$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.

FDIC Failed Bank List → View FirstBank 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 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.

Closest banks to FirstBank Puerto Rico nationally by total assets
  1. 1
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  2. 2
    Apple Bank $19.2B

    New York, NY · Grade C

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  5. 5
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  6. 6
    TowneBank $19.7B

    Portsmouth, VA · Grade B

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
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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($19.1B here), outside Puerto Rico so the neighborhood is not state containment.

First Merchants Bank $19.0B · IN Apple Bank $19.2B · NY Trustmark Bank $18.9B · MS Merchants Bank of Indiana $19.4B · IN

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.

FirstBank 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
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 - -