BlastPoint's Banking Scorecard

Banco Popular de Puerto Rico

$10B-$250B Specialty: Other PR FDIC cert 34968

Designations: ✓ Minority Depository Institution

San Juan, PR

165 branches across PR · VI · NY

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

Banco Popular de Puerto Rico has 1 strength but faces 2 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

+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.39% above tier average
- Efficiency Ratio 2.56% above tier average

Get updates when Banco Popular de 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 ?	$60.6B +2.5% YoY +1.4% QoQ	+$13.3B	$47.4B -2.0% YoY	$23.0B +2.3% YoY	$6.2B +9.0% YoY	79%
Total Loans ?	$26.8B +6.0% YoY 0% QoQ	-$2.8B	$29.6B -0.4% YoY	$12.0B +5.4% YoY	$3.2B +10.7% YoY	72%
Total Deposits ?	$56.0B +2.3% YoY +2.1% QoQ	+$17.2B	$38.7B -1.6% YoY	$20.7B +1.4% YoY	$4.8B +8.0% YoY	81%
Return on Assets ?	1.32% +18.7% YoY +12.1% QoQ	+0.03%	1.28% +19.3% YoY	1.01% +208.8% YoY	1.24% +13.1% YoY	61%
Net Interest Margin ?	3.95% +6.2% YoY +3.6% QoQ	+0.18%	3.77% +5.6% YoY	4.22% +2.5% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	56.47% -7.0% YoY -5.7% QoQ	+2.56%	53.90% -4.0% YoY	68.45% -28.4% YoY	66.84% -3.8% YoY	43%
Delinquency Rate ?	2.41% +26.7% YoY -6.0% QoQ	+1.39%	1.02% -4.1% YoY	1.42% +14.7% YoY	0.95% +18.8% YoY	Bottom 6.7% in tier
Loan-to-Deposit Ratio ?	47.92% +3.6% YoY -2.1% QoQ	-32.97%	80.88% +2.0% YoY	66.97% +17.9% YoY	76.69% +0.9% YoY	Top 6.7% in tier
Non-Interest-Bearing Deposit Share ?	25.94% +1.5% YoY +0.9% QoQ	+6.12%	19.82% +0.3% YoY	23.80% +8.3% YoY	22.01% -1.1% YoY	68%
Nonperforming Asset Ratio ?	1.14% +26.5% YoY -6.6% QoQ	+0.41%	0.73% +4.0% YoY	0.85% +11.8% YoY	0.66% +19.3% YoY	Bottom 10.4% in tier
Tier 1 Capital Ratio ?	15.75% +0.3% YoY +1.0% QoQ	+0.19%	15.56% -0.1% YoY	19.19% -55.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.21% +3.9% YoY -75.1% QoQ	-0.01%	0.23% +0.9% YoY	0.16% +13.5% YoY	0.32% +4.0% YoY	65%

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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 (0)

No matched strength signatures this quarter

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 135 peers in $10B-$250B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 47.92%

Peer Median: 80.88%

#10 of 135 Top 6.7% in $10B-$250B

Total Deposits

size

Value: $55.95B

Peer Median: $38.75B

#26 of 135 Top 18.5% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.75%

Peer Median: 15.56%

#27 of 135 Top 19.3% in $10B-$250B

Total Assets

size

Value: $60.62B

Peer Median: $47.36B

#30 of 135 Top 21.5% in $10B-$250B

Net Interest Margin

profitability

Value: 3.95%

Peer Median: 3.77%

#31 of 135 Top 22.2% in $10B-$250B

Top Weaknesses (2 metrics)

126

Delinquency Rate

credit_quality

Value: 2.41%

Peer Median: 1.02%

#126 of 134 Bottom 6.7% in $10B-$250B

122

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.73%

#122 of 135 Bottom 10.4% in $10B-$250B