BlastPoint's Banking Scorecard
Banco Popular de Puerto Rico
Designations: ✓ Minority Depository Institution
San Juan, PR
164 branches across PR · VI · NY
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 +5.0% year over year ($58.7B on the books).
- Delinquency rate 2.46%.
- Return on assets 1.38%.
- Efficiency ratio 56.26% vs a 53.67% peer average.
- Loan-to-deposit ratio 46.37% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Banco Popular de Puerto Rico faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.45% above tier average
- - Efficiency Ratio 2.59% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.3B
+4.2% YoY
+4.5% QoQ
|
+$19.7B |
$43.6B
-13.8% YoY
|
$23.8B
+3.4% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$27.2B
+4.9% YoY
+1.6% QoQ
|
-$732.1M |
$28.0B
-8.6% YoY
|
$12.2B
+4.2% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$58.7B
+5.0% YoY
+5.0% QoQ
|
+$23.3B |
$35.4B
-14.0% YoY
|
$21.5B
+3.8% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.38%
+20.1% YoY
+4.7% QoQ
|
-0.01% |
1.39%
+25.9% YoY
|
1.15%
+418.2% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.95%
+5.7% YoY
+0.0% QoQ
|
+0.03% |
3.92%
+8.9% YoY
|
4.30%
+3.1% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
56.26%
-7.8% YoY
-0.4% QoQ
|
+2.59% |
53.67%
-1.9% YoY
|
65.72%
-29.8% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
2.46%
+37.7% YoY
+2.1% QoQ
|
+1.45% |
1.01%
-2.8% YoY
|
1.25%
+4.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.1% in tier |
| Loan-to-Deposit Ratio ? |
46.37%
-0.1% YoY
-3.2% QoQ
|
-36.24% |
82.61%
+3.1% YoY
|
67.03%
+3.5% YoY
|
79.03%
+2.3% YoY
|
Top 5.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.64%
-4.6% YoY
-8.9% QoQ
|
+3.06% |
20.58%
+4.9% YoY
|
22.98%
+6.1% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.14%
+35.3% YoY
-0.4% QoQ
|
+0.40% |
0.73%
+5.8% YoY
|
0.73%
-1.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.7% in tier |
| Tier 1 Capital Ratio ? |
16.40%
+2.7% YoY
+4.1% QoQ
|
+1.05% |
15.35%
-0.4% YoY
|
17.80%
-32.1% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.42%
+2.8% YoY
+98.0% QoQ
|
-0.07% |
0.50%
+10.5% YoY
|
0.32%
+13.5% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
23.6%
-1.1pp YoY -2.3pp QoQ |
+2.6pp | 21.0% | 23.0% | 22.2% | 54% |
| Brokered Deposits |
0.1%
0.0pp YoY 0.0pp QoQ |
-9.1pp | 9.2% | 2.0% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.8%
+0.9pp YoY +0.3pp QoQ |
-1.3pp | 17.2% | 20.5% | 12.5% | 51% |
| CRE |
19.0%
-0.5pp YoY -0.5pp QoQ |
-23.0pp | 42.0% | 26.9% | 41.4% | 12% |
| 1-4 Family |
27.5%
+0.2pp YoY -0.1pp QoQ |
+4.4pp | 23.1% | 22.0% | 31.3% | 70% |
| Consumer |
25.7%
-1.1pp YoY -0.2pp QoQ |
+12.9pp | 12.9% | 29.2% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.4%
+0.4pp YoY +0.6pp QoQ |
+1.1pp | 15.3% | 17.6% | 19.7% | 86% |
| Leverage Ratio |
7.5%
0.0pp YoY +0.1pp QoQ |
-2.9pp | 10.4% | 10.9% | 12.6% | 4% |
| Total Capital Ratio |
17.7%
+0.4pp YoY +0.6pp QoQ |
+1.1pp | 16.5% | 19.0% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7,278
-44 (-0.6%) YoY +10 (+0.1%) QoQ |
+4,020 | 3,258 | 3,163 | 482 | 90% |
| Assets per Employee ($) |
$8.7M
+4.8% YoY +4.3% QoQ |
-$18.3M | $27.0M | $8.2M | $8.8M | 18% |
| Branch Count |
1
0 YoY 0 QoQ |
-137 | 137 | 3 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
0.0pp YoY 0.0pp QoQ |
+0.4pp | 0.4% | 0.6% | 0.4% | 92% |
| Nonaccrual |
1.7%
+0.7pp YoY +0.1pp QoQ |
+0.9pp | 0.7% | 1.1% | 1.0% | 94% |
| Allowance Coverage |
1.03x
-29.4% YoY -8.9% QoQ |
-1.78x | 2.81x | 1.50x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
1.2%
+0.5pp YoY +0.3pp QoQ |
+0.7pp | 0.4% | 1.0% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.8%
+1.5pp YoY +0.9pp QoQ |
+9.1pp | 12.6% | 13.5% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 2.0% | 1.6% | 1.7% | 14% |
| Net Income ($, YTD) |
$422.0M
+23.8% YoY — QoQ |
+$125.2M | $296.8M | $177.8M | $40.4M | 80% |
Get Full Access to Banco Popular de Puerto Rico
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.