Total Assets
$15.1B
Total balance-sheet footings
FDIC Cert #34967 · New York, New York · Est. 1999
Popular Bank - FDIC Bank Health Profile
A community-scale look at Popular Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.1B
- Total assets
- B
- Health grade · Good
- 0.60%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
Popular Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.79% Tier 1, 0.60% ROA, 63% efficiency ratio.
- #127
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 13.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- 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 34967 · NY B · 77/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL
- GRADE-B B (77/100)
- MID-PACK #2295/4307
- PHOTO-FINISH Legends Bank · TN
- TIER1-WELL 13.8% Tier 1
- TEXAS-CLEAN 1.8% Texas
- ROA-THIN 0.60% ROA
- SIZE-LARGE $10–100B
- BOOK-FULL 9/9 fields
Nearest health peer outside New York: Legends Bank, TN (±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 Popular Bank
Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.
What Popular Bank's Call Report plate shows
Popular Bank (FDIC Cert #34967) carries a PlainBankData health grade of B at 77/100, 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 #2,295 of 4,307. Tier 1 capital prints at 13.79%, clearing the 10% well-capitalized line. The Texas Ratio is 1.79%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.60%. Balance-sheet scale is $15.1B, 127th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Legends Bank (TN), 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 Popular Bank
6 FAILURE resolutions in New York since 2000 (5 since 2008)
Popular Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Popular Bank remains an active FDIC-insured reporter.
- SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
- USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
- THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.
How Popular Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.79%) 35/40
Return on Assets (ROA) (0.60%) 14/25
Texas Ratio (1.79%) 20/20
Efficiency Ratio (62.61%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$12.0B
Customer-funded liabilities
Net Loans
$11.6B
Outstanding loan book
Net Income
$88M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Popular Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Popular Bank's score of 77/100 falls in the highlighted band.
Popular Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
77 47th percentile higher than 47% of 4,307 FDIC-insured banks
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
Popular Bank'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). Popular Bank's $15.1B falls in the highlighted band.
Safety ratios for Popular Bank
Tier 1 capital ratio
Well-capitalized 10%
13.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.79%
Texas Ratio
1.79%
Equity Capital
$2.1B
Profitability metrics: Popular Bank
Return on Assets (ROA)
19th percentile nationally
0.60%
Return on Equity (ROE)
4.31%
Efficiency Ratio
62.61%
Income & expense at Popular Bank
$788M
Interest Income
$26M
Non-Interest Income
$288M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Popular Bank reports a Texas Ratio of 1.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
National size peers: banks closest to Popular Bank by assets
Popular Bank is closely matched in total assets by Live Oak Banking Company, Dime Community Bank, First Financial Bank, Toyota Financial Savings Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.80%, versus Popular Bank's own 0.60%; the average efficiency ratio is 53.03%, versus 62.61% here; and average Tier 1 capital sits at 24.86%, versus 13.79% at Popular Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $15.1B in assets, Popular Bank 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 |
|---|---|---|---|---|---|
| Popular Bank (this bank) | NY | $15.1B | 0.60% | 62.61% | 13.79% |
| Live Oak Banking Company | NC | $15.1B | 0.82% | 56.12% | 10.46% |
| Dime Community Bank | NY | $15.3B | 0.87% | 53.42% | 14.40% |
| First Financial Bank | TX | $15.4B | 1.64% | 45.67% | 18.18% |
| Toyota Financial Savings Bank | NV | $15.4B | 0.30% | 73.28% | 15.74% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Beal Bank USA | NV | $14.5B | 0.63% | 37.43% | 53.51% |
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($15.1B here), outside New York so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Popular Bank (FDIC Cert #34967) - 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.
Popular Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |