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Popular Bank

$10B-$250B Specialty: Commercial NY FDIC cert 34967

Designations: ✓ Minority Depository Institution

New York, NY

36 branches across NY · FL · NJ

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 10 in NY.
  • Deposits -0.1% year over year ($11.9B on the books).
  • Delinquency rate 0.39%.
  • Return on assets 0.98%.
  • Efficiency ratio 55.13% vs a 53.67% peer average.
  • Loan-to-deposit ratio 97.92% 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 10 in NY
View $10B-$250B leaderboard (NY) →

Popular Bank has 1 strength but faces 6 concerns

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

  • + Credit Quality Leader: Top 45.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 32.5% in tier
  • - Flatlined Growth: Bottom 38.5% in tier
  • - Non-Interest Income / Assets 0.40% below tier average
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.72% below tier average
  • - Efficiency Ratio 1.46% above tier average
Get updates when Popular Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $15.0B
+1.1% YoY +0.5% QoQ
-$28.6B $43.6B
-13.8% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $11.7B
+3.4% YoY +1.4% QoQ
-$16.3B $28.0B
-8.6% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $11.9B
-0.1% YoY -2.5% QoQ
-$23.5B $35.4B
-14.0% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.98%
+90.8% YoY -0.6% QoQ
-0.41% 1.39%
+25.9% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.20%
+11.5% YoY +0.5% QoQ
-0.72% 3.92%
+8.9% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 55.13%
-16.7% YoY +0.5% QoQ
+1.46% 53.67%
-1.9% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.39%
-18.2% YoY +19.6% QoQ
-0.62% 1.01%
-2.8% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 97.92%
+3.6% YoY +3.9% QoQ
+15.31% 82.61%
+3.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ? 11.97%
-4.0% YoY -1.8% QoQ
-8.61% 20.58%
+4.9% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.31%
-16.3% YoY +20.2% QoQ
-0.42% 0.73%
+5.8% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 14.32%
+4.9% YoY +0.6% QoQ
-1.03% 15.35%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.10%
+11.0% YoY +93.0% QoQ
-0.40% 0.50%
+10.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 9.4% in tier

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 (NY) National Avg Tier Percentile
Noninterest-Bearing 12.0%
-0.5pp YoY
-0.2pp QoQ
 -9.1pp 21.0% 22.1% 22.2% 20%
Brokered Deposits 7.3%
+1.2pp YoY
-0.2pp QoQ
 -1.9pp 9.2% 8.0% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 3.2%
+0.4pp YoY
-0.3pp QoQ
 -14.0pp 17.2% 11.0% 12.5% 8%
CRE 66.4%
+0.8pp YoY
+0.8pp QoQ
 +24.4pp 42.0% 46.2% 41.4% 93%
1-4 Family 11.6%
-1.2pp YoY
-0.4pp QoQ
 -11.5pp 23.1% 36.6% 31.3% 19%
Consumer 0.6%
-0.2pp YoY
0.0pp QoQ
 -12.3pp 12.9% 5.1% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 14.3%
+0.7pp YoY
+0.1pp QoQ
 -0.9pp 15.3% 26.1% 19.7% 67%
Leverage Ratio 11.8%
+0.8pp YoY
+0.3pp QoQ
 +1.4pp 10.4% 13.9% 12.6% 86%
Total Capital Ratio 15.1%
+0.7pp YoY
+0.1pp QoQ
 -1.4pp 16.5% 27.2% 20.8% 64%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 798
-59 (-6.9%) YoY
+3 (+0.4%) QoQ
 -2,460 3,258 914 482 15%
Assets per Employee ($) $18.8M
+8.6% YoY
+0.2% QoQ
 -$8.2M $27.0M $14.8M $8.8M 72%
Branch Count 36
-4 (-10.0%) YoY
0 QoQ
 -102 137 27 18 33%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.4% 7%
Nonaccrual 0.4%
-0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.7% 1.3% 1.0% 24%
Allowance Coverage 2.02x
+21.2% YoY
-16.6% QoQ
 -0.79x 2.81x 1.92x 20.23x 60%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 6.9%
+3.2pp YoY
-0.1pp QoQ
 -5.7pp 12.6% 7.9% 11.6% 12%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 2.0% 1.8% 1.7% 78%
Net Income ($, YTD) $73.6M
+96.5% YoY
— QoQ
 -$223.3M $296.8M $111.2M $40.4M 16%

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 (1)

Credit Quality Leader

growth
#17 of 35 • Top 45.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.39%
(Tier: 1.01%, National: 0.98%)
better than tier avg
35 of 35 Large banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#14 of 40 • Bottom 32.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.92%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#11 of 26 • Bottom 38.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.98%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ

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

Top Strengths (2 metrics)

26
Delinquency Rate
credit_quality
Value: 0.39%
Peer Median: 1.01%
#26 of 138 Top 18.1% in $10B-$250B
33
Nonperforming Asset Ratio
credit_quality
Value: 0.31%
Peer Median: 0.73%
#33 of 139 Top 23.0% in $10B-$250B

Top Weaknesses (6 metrics)

127
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.50%
#127 of 139 Bottom 9.4% in $10B-$250B
124
Loan-to-Deposit Ratio
liquidity
Value: 97.92%
Peer Median: 82.61%
#124 of 139 Bottom 11.5% in $10B-$250B
112
Total Deposits
size
Value: $11.93B
Peer Median: $35.42B
#112 of 139 Bottom 20.1% in $10B-$250B
110
Return on Assets
profitability
Value: 0.98%
Peer Median: 1.39%
#110 of 139 Bottom 21.6% in $10B-$250B
110
Total Assets
size
Value: $15.03B
Peer Median: $43.60B
#110 of 139 Bottom 21.6% in $10B-$250B
109
Non-Interest-Bearing Deposit Share
funding
Value: 11.97%
Peer Median: 20.58%
#109 of 139 Bottom 22.3% in $10B-$250B
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