FirstBank Puerto Rico: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
FirstBank Puerto Rico received FDIC open-bank assistance in November 1981, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. FirstBank Puerto Rico earns an unusually wide margin on its lending. Its balance sheet stood at $19.2 billion at June 30, 2026, up 1.7% from a year earlier; it is based in San Juan, Puerto Rico. It keeps 4.90 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also returns 19.9% a year on shareholders' equity, higher than about three-quarters of banks its size (median 11.1%).
Net income for the quarter rose 19% from a year earlier, to $95 million. Unrealized losses on its securities total $367 million, equal to 16% of Tier 1 capital, against 20% a year earlier. Funding is the softer spot: it holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
As of June 30, 2026, FirstBank Puerto Rico reported a CET1 capital ratio of 15.96%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 5.14%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1519 Ave Ponce De Leon, San Juan, PR 00909
- County
- San Juan
- Metro Area
- San Juan-Bayamon-Caguas, PR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 17, 1949
- Former names
- Firstbank of Puerto Rico (2012-2014)
- Offices
- 73 domestic
- Employees (FTE)
- 3,173
- Domestic deposits
- $16.62B
- Allowance for credit losses
- $245.0M
- Net charge-offs (YTD)
- $37.1M
- Average total assets
- $19.45B
- Average total loans
- $12.20B
- Average interest-bearing deposits
- $11.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30387
- Fed RSSD
- 510871
- SEC CIK
- 1057706 → filed by FIRST BANCORP
- Website
- www.1firstbank.com →
- Parent Holding Company
- FIRST BANCORP (RSSD 2744894) · FBP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Aurelio Aleman | CEO | President and CEO |
| Berges Gonzalez Orlando | CFO | EVP and CFO |
| Pavia Juan Carlos | COO | EVP, Chief Operating Officer |
| Nayda Rivera | CCO | EVP, CCO and Chief of Staff |
| Sara Alvarez-Cabrero | GC | EVP, General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full FirstBank Puerto Rico terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock FirstBank Puerto Rico, freeFirstBank Puerto Rico rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for FirstBank Puerto Rico: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.96% | 1.96% | 0.79% | 5.14% | 4.90% |
| Q1 2026 | 15.76% | 1.77% | 0.98% | 4.94% | 4.73% |
| Q4 2025 | 15.60% | 1.77% | 1.01% | 5.34% | 4.75% |
| Q3 2025 | 15.48% | 1.70% | 1.26% | 5.73% | 4.62% |
| Q2 2025 | 15.45% | 1.64% | 2.18% | 6.24% | 4.59% |
| Q1 2025 | 15.56% | 1.53% | 2.19% | 6.86% | 4.51% |
| Q4 2024 | 15.76% | 1.57% | 2.07% | 6.75% | 4.45% |
| Q3 2024 | 16.00% | 1.57% | 2.04% | 6.66% | 4.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 73 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| FirstBank Puerto Rico (main office) | Santurce , PR | 00909 | $2.57B |
| Hato Rey Branch | San Juan , PR | 00917 | $1.27B |
| Waterford Way Branch | Miami , FL | 33126 | $1.06B |
| Waterfront Branch | Charlotte Amalie , VI | 00802 | $616.8M |
| Plaza Las Americas Branch | Hato Rey , PR | 00918 | $397.2M |
| San Patricio Branch | Guaynabo , PR | 00968 | $388.3M |
| Prime Branch | San Juan , PR | 00917 | $353.9M |
| Plaza Carolina Branch | Carolina , PR | 00982 | $343.8M |
| Cayey Branch | Cayey , PR | 00736 | $340.3M |
| Plaza Del Caribe Branch | Ponce , PR | 00731 | $338.3M |
| Condado Branch | Condado , PR | 00907 | $306.4M |
| Galeria Paseo Potuario Branch | San Juan , PR | 00901 | $288.4M |
| Mayaguez Branch | Mayaguez , PR | 00680 | $284.3M |
| Bayamon Oeste Shopping Center Branch | Bayamon , PR | 00961 | $268.4M |
| Humacao Ii Branch | Humacao , PR | 00792 | $266.4M |
| Las Catalinas Branch | Caguas , PR | 00725 | $243.9M |
| San Sebastian Branch | San Sebastian , PR | 00685 | $242.0M |
| Manati Branch | Manati , PR | 00674 | $229.3M |
| Loiza Street Branch | Santurce , PR | 00911 | $227.3M |
| Mayaguez Mall Branch | Mayaguez , PR | 00680 | $223.7M |
| Plaza Guaynabo | Guaynabo , PR | 00969 | $211.8M |
| Munoz Rivera Branch | Rio Piedras , PR | 00927 | $207.6M |
| Rexville Plaza Branch | Bayamon , PR | 00957 | $205.2M |
| Las Catalinas Branch | Caguas , PR | 00725 | $195.5M |
| Vega Baja Branch | Vega Baja , PR | 00693 | $191.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2020 | Structure Change | Acquired Banco Santander Puerto Rico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | Structure Change | Acquired Doral Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 2015 | Structure Change | Acquired Firstmortgage Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2010 | Structure Change | Acquired First Leasing and Rental Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2009 | Structure Change | Acquired FirstBank Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 28, 2008 | Structure Change | Acquired Virgin Islands Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 25, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 2000 | Structure Change | Acquired First Virgin Islands FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 20, 1981 | FDIC Assistance | Open-bank assistance (not a failure) | FDIC FAILURES |
| November 20, 1981 | Structure Change | Acquired Pan American Federal Savings and Loan Association of Puerto Rico Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for FirstBank Puerto Rico, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action February 2, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 15.8% of deposits in PR, rank 2 of 6 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,696 applications, 2,283 loans originated, $507.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 43 loans, $7.9M approved, $184K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 97 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about FirstBank Puerto Rico
What are FirstBank Puerto Rico's total assets?
As of the Q2 2026 filing, FirstBank Puerto Rico reported total assets of $19.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is FirstBank Puerto Rico headquartered?
FirstBank Puerto Rico is headquartered in San Juan, PR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was FirstBank Puerto Rico founded?
FirstBank Puerto Rico was established in 1949, per the FDIC institution directory.
Is FirstBank Puerto Rico FDIC-insured?
Yes. FirstBank Puerto Rico is an FDIC-insured commercial bank (FDIC Certificate #30387). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FirstBank Puerto Rico?
FirstBank Puerto Rico's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is FirstBank Puerto Rico's CET1 capital ratio?
FirstBank Puerto Rico reported a Common Equity Tier 1 (CET1) capital ratio of 15.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FirstBank Puerto Rico operate?
FirstBank Puerto Rico operates 73 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FirstBank Puerto Rico's Texas Ratio?
FirstBank Puerto Rico's Texas Ratio is 5.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was FirstBank Puerto Rico previously called?
The charter now named FirstBank Puerto Rico has also operated as Firstbank of Puerto Rico (2012-2014), per FDIC structure-change records.
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