BlastPoint's Banking Scorecard
FirstBank Puerto Rico
Mid-Market
Specialty: Commercial
PR
FDIC cert 30387
Designations: ✓ Community bank
Santurce, PR
201
banks in Mid-Market tier nationally
2 in PR
View Mid-Market leaderboard (PR) →
FirstBank Puerto Rico has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 33% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.1B
-0.9% YoY
-1.0% QoQ
|
+$8.7B |
$10.5B
+2.9% YoY
|
$22.9B
+2.5% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$12.9B
+3.0% YoY
+0.6% QoQ
|
+$5.8B |
$7.1B
+4.5% YoY
|
$12.0B
+5.1% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$16.7B
-1.1% YoY
-1.2% QoQ
|
+$8.2B |
$8.5B
+3.0% YoY
|
$20.5B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.69%
+4.7% YoY
+2.2% QoQ
|
+0.53% |
1.16%
+9.4% YoY
|
0.49%
+225.9% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.74%
+4.8% YoY
+0.9% QoQ
|
+1.34% |
3.40%
+7.9% YoY
|
4.21%
-3.4% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
49.71%
-3.2% YoY
-0.2% QoQ
|
-6.89% |
56.60%
-3.2% YoY
|
83.21%
+49.5% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.97%
-6.9% YoY
-1.1% QoQ
|
+0.28% |
0.68%
+12.0% YoY
|
1.51%
+18.5% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
77.09%
+4.1% YoY
+1.8% QoQ
|
-8.38% |
85.47%
+1.1% YoY
|
66.27%
+15.7% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
33.17%
+1.1% YoY
+4.5% QoQ
|
+12.53% |
20.64%
-0.3% YoY
|
22.68%
+3.5% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.70%
-9.4% YoY
-0.8% QoQ
|
+0.20% |
0.50%
+7.3% YoY
|
0.89%
+14.1% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
16.35%
-1.0% YoY
+0.8% QoQ
|
+2.80% |
13.55%
+1.8% YoY
|
20.23%
+32.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.65%
-3.8% YoY
+39.0% QoQ
|
-0.31% |
0.96%
+7.1% YoY
|
0.58%
-3.3% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#8 of 22 · Top 33% in Mid-Market
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:
33.17%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.74%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Liquidity Overhang
risk
#12 of 26 · Bottom 44% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.35%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
77.09%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.40%
93
93th pctile
Total Deposits
Current: $16.7B · Tier avg: $8.5B
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 33.17% · Tier avg: 20.64%
90
90th pctile
Total Assets
Current: $19.1B · Tier avg: $10.5B
89
89th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 13.55%
88
88th pctile
Total Loans
Current: $12.9B · Tier avg: $7.1B
85
85th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 49.71% · Tier avg: 56.60%
76
76th pctile
Loan-to-Deposit Ratio
Current: 77.09% · Tier avg: 85.47%
45
45th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.68%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.68%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
45
45th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
76
76th pctile
Loan-to-Deposit Ratio
Current: 77.09% · Tier avg: 85.47%
78
78th pctile
Efficiency Ratio
Current: 49.71% · Tier avg: 56.60%
85
85th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
88
88th pctile
Total Loans
Current: $12.9B · Tier avg: $7.1B
89
89th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 13.55%
90
90th pctile
Total Assets
Current: $19.1B · Tier avg: $10.5B
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 33.17% · Tier avg: 20.64%
93
93th pctile
Total Deposits
Current: $16.7B · Tier avg: $8.5B
93
93th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.40%