BlastPoint's Banking Scorecard
FirstBank Puerto Rico
Designations: ✓ Community bank ✓ Minority Depository Institution
Santurce, PR
73 branches across PR · FL · VI
FirstBank Puerto Rico demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 0.1% in tier
- + Profitability Leader: Top 38.2% in tier
- + Efficiency Ratio 4.00% below tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
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
|
-$28.3B |
$47.4B
-2.0% YoY
|
$23.0B
+2.3% YoY
|
$6.2B
+9.0% YoY
|
35% |
| Total Loans ? |
$12.9B
+3.3% YoY
-0.3% QoQ
|
-$16.8B |
$29.6B
-0.4% YoY
|
$12.0B
+5.4% YoY
|
$3.2B
+10.7% YoY
|
35% |
| Total Deposits ? |
$16.7B
-1.3% YoY
-0.4% QoQ
|
-$22.1B |
$38.7B
-1.6% YoY
|
$20.7B
+1.4% YoY
|
$4.8B
+8.0% YoY
|
39% |
| Return on Assets ? |
1.80%
+15.0% YoY
+6.4% QoQ
|
+0.51% |
1.28%
+19.3% YoY
|
1.01%
+208.8% YoY
|
1.24%
+13.1% YoY
|
Top 10.4% in tier |
| Net Interest Margin ? |
4.83%
+4.0% YoY
+1.9% QoQ
|
+1.06% |
3.77%
+5.6% YoY
|
4.22%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 8.9% in tier |
| Efficiency Ratio ? |
49.90%
+0.1% YoY
+0.4% QoQ
|
-4.00% |
53.90%
-4.0% YoY
|
68.45%
-28.4% YoY
|
66.84%
-3.8% YoY
|
68% |
| Delinquency Rate ? |
0.91%
-16.7% YoY
-6.0% QoQ
|
-0.11% |
1.02%
-4.1% YoY
|
1.42%
+14.7% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
77.21%
+4.7% YoY
+0.1% QoQ
|
-3.68% |
80.88%
+2.0% YoY
|
66.97%
+17.9% YoY
|
76.69%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
33.33%
-0.0% YoY
+0.5% QoQ
|
+13.51% |
19.82%
+0.3% YoY
|
23.80%
+8.3% YoY
|
22.01%
-1.1% YoY
|
Top 8.1% in tier |
| Nonperforming Asset Ratio ? |
0.65%
-18.4% YoY
-6.5% QoQ
|
-0.07% |
0.73%
+4.0% YoY
|
0.85%
+11.8% YoY
|
0.66%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.51%
+1.2% YoY
+1.0% QoQ
|
+0.95% |
15.56%
-0.1% YoY
|
19.19%
-55.8% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.18%
+5.1% YoY
-72.8% QoQ
|
-0.05% |
0.23%
+0.9% YoY
|
0.16%
+13.5% YoY
|
0.32%
+4.0% YoY
|
53% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.