BlastPoint's Banking Scorecard

FirstBank Puerto Rico

$10B-$250B Specialty: Commercial PR FDIC cert 30387

Designations: ✓ Community bank ✓ Minority Depository Institution

Santurce, PR

72 branches across PR · FL · VI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in PR.
Deposits +1.8% year over year ($16.9B on the books).
Delinquency rate 0.92%.
Return on assets 1.89%.
Efficiency ratio 49.07% vs a 53.67% peer average.
Loan-to-deposit ratio 77.08% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in PR

View $10B-$250B leaderboard (PR) →

FirstBank Puerto Rico demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 11.1% in tier
+ Profitability Leader: Top 28.6% in tier
+ Efficiency Ratio 4.60% below tier average
+ Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when FirstBank Puerto Rico releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Total Assets ?	$19.2B +1.7% YoY +0.8% QoQ	-$24.4B	$43.6B -13.8% YoY	$23.8B +3.4% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$13.0B +3.1% YoY +1.3% QoQ	-$14.9B	$28.0B -8.6% YoY	$12.2B +4.2% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$16.9B +1.8% YoY +1.5% QoQ	-$18.5B	$35.4B -14.0% YoY	$21.5B +3.8% YoY	$4.9B +7.3% YoY	42%
Return on Assets ?	1.89% +16.6% YoY +5.3% QoQ	+0.50%	1.39% +25.9% YoY	1.15% +418.2% YoY	1.30% +12.1% YoY	Top 12.2% in tier
Net Interest Margin ?	4.90% +4.4% YoY +1.6% QoQ	+0.98%	3.92% +8.9% YoY	4.30% +3.1% YoY	3.95% +4.9% YoY	Top 10.8% in tier
Efficiency Ratio ?	49.07% -1.3% YoY -1.7% QoQ	-4.60%	53.67% -1.9% YoY	65.72% -29.8% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	0.92% -10.8% YoY +0.9% QoQ	-0.10%	1.01% -2.8% YoY	1.25% +4.3% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	77.08% +1.4% YoY -0.2% QoQ	-5.53%	82.61% +3.1% YoY	67.03% +3.5% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	32.81% +2.0% YoY -1.6% QoQ	+12.23%	20.58% +4.9% YoY	22.98% +6.1% YoY	21.98% -0.6% YoY	Top 12.2% in tier
Nonperforming Asset Ratio ?	0.67% -13.7% YoY +1.8% QoQ	-0.07%	0.73% +5.8% YoY	0.73% -1.1% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	16.71% +3.1% YoY +1.2% QoQ	+1.36%	15.35% -0.4% YoY	17.80% -32.1% YoY	17.09% +0.8% YoY	Top 14.4% in tier
Non-Interest Income / Assets ?	0.36% +8.8% YoY +102.2% QoQ	-0.14%	0.50% +10.5% YoY	0.32% +13.5% YoY	0.66% +5.2% YoY	52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Noninterest-Bearing	32.8% +0.7pp YoY -0.5pp QoQ	+11.8pp	21.0%	23.0%	22.2%	87%
Brokered Deposits	3.5% +0.3pp YoY +0.5pp QoQ	-5.7pp	9.2%	2.0%	8.5%	35%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
C&I	15.3% -0.4pp YoY -0.9pp QoQ	-1.9pp	17.2%	20.5%	12.5%	49%
CRE	26.5% 0.0pp YoY -0.2pp QoQ	-15.6pp	42.0%	26.9%	41.4%	22%
1-4 Family	23.1% +0.1pp YoY -0.1pp QoQ	0.0pp	23.1%	22.0%	31.3%	56%
Consumer	21.3% -1.2pp YoY -0.2pp QoQ	+8.4pp	12.9%	29.2%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
CET1 Ratio	16.0% +0.5pp YoY +0.2pp QoQ	+0.7pp	15.3%	17.6%	19.7%	84%
Leverage Ratio	11.5% +0.4pp YoY +0.2pp QoQ	+1.1pp	10.4%	10.9%	12.6%	84%
Total Capital Ratio	18.0% +0.5pp YoY +0.2pp QoQ	+1.5pp	16.5%	19.0%	20.8%	85%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Full-Time Employees	3,173 +50 (+1.6%) YoY -11 (-0.3%) QoQ	-85	3,258	3,163	482	72%
Assets per Employee ($)	$6.1M +0.1% YoY +1.1% QoQ	-$21.0M	$27.0M	$8.2M	$8.8M	2%
Branch Count	11 0 YoY 0 QoQ	-127	137	3	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.6%	0.4%	76%
Nonaccrual	0.7% -0.1pp YoY 0.0pp QoQ	0.0pp	0.7%	1.1%	1.0%	58%
Allowance Coverage	2.05x +7.1% YoY -2.2% QoQ	-0.76x	2.81x	1.50x	20.23x	61%
Net Charge-off Rate (YTD)	0.6% -0.1pp YoY -0.1pp QoQ	+0.1pp	0.4%	1.0%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
ROE	19.0% +1.2pp YoY +0.9pp QoQ	+6.3pp	12.6%	13.5%	11.6%	88%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.7pp	2.0%	1.6%	1.7%	17%
Net Income ($, YTD)	$181.1M +16.8% YoY — QoQ	-$115.7M	$296.8M	$177.8M	$40.4M	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth

#2 of 9 • Top 11.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.81%

(Tier: 20.58%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.90%

(Tier: 3.92%, National: 3.95%)

better than tier avg

9 of 9 Large banks match · 368 nationally

→ Stable -1 banks QoQ

Profitability Leader

growth

#11 of 35 • Top 28.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.89%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 4.90%

Peer Median: 3.92%

#16 of 139 Top 10.8% in $10B-$250B

Return on Assets

profitability

Value: 1.89%

Peer Median: 1.39%

#18 of 139 Top 12.2% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 32.81%

Peer Median: 20.58%

#18 of 139 Top 12.2% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 16.71%

Peer Median: 15.35%

#21 of 139 Top 14.4% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available