BlastPoint's Banking Scorecard
Banco Popular de Puerto Rico
Large
Specialty: Other
PR
FDIC cert 34968
San Juan, PR
69
banks in Large tier nationally
1 in PR
View Large leaderboard (PR) →
Banco Popular de Puerto Rico has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.80% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.8B
+2.2% YoY
+0.3% QoQ
|
-$15.1B |
$74.9B
-4.4% YoY
|
$22.9B
+2.5% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$26.8B
+5.7% YoY
+1.8% QoQ
|
-$19.6B |
$46.4B
-2.1% YoY
|
$12.0B
+5.1% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$54.8B
+1.3% YoY
-0.3% QoQ
|
-$5.7B |
$60.5B
-4.5% YoY
|
$20.5B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.17%
+27.8% YoY
+0.7% QoQ
|
-0.02% |
1.19%
+17.8% YoY
|
0.49%
+225.9% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.81%
+6.3% YoY
+0.7% QoQ
|
+0.35% |
3.46%
+13.1% YoY
|
4.21%
-3.4% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
59.89%
-5.3% YoY
-0.9% QoQ
|
+4.86% |
55.03%
-2.8% YoY
|
83.21%
+49.5% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
2.56%
+21.4% YoY
+2.6% QoQ
|
+1.69% |
0.88%
-0.3% YoY
|
1.51%
+18.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 4% in tier |
| Loan-to-Deposit Ratio ? |
48.92%
+4.4% YoY
+2.1% QoQ
|
-32.80% |
81.72%
+3.9% YoY
|
66.27%
+15.7% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.71%
-0.2% YoY
+3.3% QoQ
|
+5.74% |
19.97%
+0.5% YoY
|
22.68%
+3.5% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
1.22%
+20.4% YoY
+3.9% QoQ
|
+0.67% |
0.55%
+9.0% YoY
|
0.89%
+14.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
15.59%
-1.2% YoY
-1.9% QoQ
|
+2.26% |
13.33%
-0.7% YoY
|
20.23%
+32.2% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.86%
-5.3% YoY
+33.7% QoQ
|
-0.23% |
1.09%
+2.4% YoY
|
0.58%
-3.3% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Large
Why this stands out
Current:
48.92%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (1)
Delinquency Rate
metric
Bottom 4%
in Large
Why this stands out
Current:
2.56%
(Tier avg: 0.88%, National avg: 0.66%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 48.92% · Tier avg: 81.72%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.59% · Tier avg: 13.33%
71
71th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.46%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.71% · Tier avg: 19.97%
64
64th pctile
Total Deposits
Current: $54.8B · Tier avg: $60.5B
58
58th pctile
Total Assets
Current: $59.8B · Tier avg: $74.9B
57
57th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 1.09%
49
49th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.19%
45
45th pctile
Total Loans
Current: $26.8B · Tier avg: $46.4B
28
28th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 55.03%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.55%
4
4th pctile
Delinquency Rate
Current: 2.56% · Tier avg: 0.88%
Top Weaknesses
4
4th pctile
Delinquency Rate
Current: 2.56% · Tier avg: 0.88%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.55%
28
28th pctile
Efficiency Ratio
Current: 59.89% · Tier avg: 55.03%
45
45th pctile
Total Loans
Current: $26.8B · Tier avg: $46.4B
49
49th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.19%
57
57th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 1.09%
58
58th pctile
Total Assets
Current: $59.8B · Tier avg: $74.9B
64
64th pctile
Total Deposits
Current: $54.8B · Tier avg: $60.5B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.71% · Tier avg: 19.97%
71
71th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.46%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.59% · Tier avg: 13.33%
91
91th pctile
Loan-to-Deposit Ratio
Current: 48.92% · Tier avg: 81.72%