BlastPoint's Banking Scorecard

FirstBank Puerto Rico

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

Designations: ✓ Community bank ✓ Minority Depository Institution

Santurce, PR

73 branches across PR · FL · VI

137 banks in the $10B-$250B peer group nationally 3 in 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 0.1% in tier
+ Profitability Leader: Top 37.1% in tier
+ Efficiency Ratio 4.11% below tier average
+ Delinquency Rate 0.11% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Total Assets ?	$19.1B -0.2% YoY -0.2% QoQ	-$27.9B	$47.0B -1.9% YoY	$23.0B +2.3% YoY	$6.2B +9.1% YoY	35%
Total Loans ?	$12.9B +3.3% YoY -0.3% QoQ	-$16.5B	$29.4B -0.4% YoY	$12.0B +5.4% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$16.7B -1.3% YoY -0.4% QoQ	-$21.8B	$38.4B -1.6% YoY	$20.7B +1.4% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.80% +15.0% YoY +6.4% QoQ	+0.52%	1.28% +18.7% YoY	1.01% +208.8% YoY	1.23% +13.4% YoY	Top 10.2% in tier
Net Interest Margin ?	4.83% +4.0% YoY +1.9% QoQ	+1.05%	3.77% +5.8% YoY	4.22% +2.5% YoY	3.89% +5.7% YoY	Top 8.8% in tier
Efficiency Ratio ?	49.90% +0.1% YoY +0.4% QoQ	-4.11%	54.01% -3.7% YoY	68.45% -28.4% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.91% -16.7% YoY -6.0% QoQ	-0.11%	1.02% -3.8% YoY	1.42% +14.7% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	77.21% +4.7% YoY +0.1% QoQ	-3.58%	80.79% +1.9% YoY	66.97% +17.9% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	33.33% -0.0% YoY +0.5% QoQ	+13.29%	20.04% +0.2% YoY	23.80% +8.3% YoY	22.01% -1.2% YoY	Top 8.8% in tier
Nonperforming Asset Ratio ?	0.65% -18.4% YoY -6.5% QoQ	-0.07%	0.72% +4.2% YoY	0.85% +11.8% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	16.51% +1.2% YoY +1.0% QoQ	+1.00%	15.51% -0.4% YoY	19.19% -55.8% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.18% +5.1% YoY -72.8% QoQ	-0.05%	0.22% +0.3% YoY	0.16% +13.5% YoY	0.32% +4.1% YoY	54%

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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

#1 of 10 • Top 0.1% 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: 33.33%

(Tier: 20.04%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.83%

(Tier: 3.77%, National: 3.89%)

better than tier avg

10 of 10 Large banks match · 369 nationally

→ Stable -14 banks QoQ

Profitability Leader

growth

#14 of 35 • Top 37.1% in tier

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

Why this signature

Return on Assets: 1.80%

(Tier: 1.28%, National: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | 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 137 peers in $10B-$250B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 4.83%

Peer Median: 3.77%

#13 of 137 Top 8.8% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 33.33%

Peer Median: 20.04%

#13 of 137 Top 8.8% in $10B-$250B

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.28%

#15 of 137 Top 10.2% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 16.51%

Peer Median: 15.51%

#22 of 137 Top 15.3% in $10B-$250B

Top Weaknesses (0 metrics)

No weakness rankings available