Banco Popular de Puerto Rico: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Banco Popular de Puerto Rico is the 45th-largest bank in the United States, with $63.3 billion in assets at June 30, 2026, up 4.2% from a year earlier. It is headquartered in San Juan, Puerto Rico, and operates 164 domestic branches. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.82% of loans from 1.22% a year earlier. It returns 22.8% a year on shareholders' equity, about double the median of 11.1% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it funds 7.53% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.25%).
The commercial and industrial book ($4.3 billion) is worsening: 5.31% of it is past due or on nonaccrual, up from 0.46% a year earlier. Net income for the quarter rose 26% from a year earlier, to $224 million. Funding is the softer spot: it holds about half of its deposits (59%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 38.6%).
As of June 30, 2026, Banco Popular de Puerto Rico reported a CET1 capital ratio of 16.40%, a return on assets of 1.42%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 12.97%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 209 Avenida Luis Munoz Rivera, San Juan, PR 00918
- County
- San Juan
- Metro Area
- San Juan-Bayamon-Caguas, PR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- January 2, 1999
- Offices
- 164 domestic
- Employees (FTE)
- 7,278
- Domestic deposits
- $58.22B
- Allowance for credit losses
- $692.0M
- Net charge-offs (YTD)
- $161.0M
- Average total assets
- $63.17B
- Average total loans
- $25.82B
- Average interest-bearing deposits
- $43.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1999
- FDIC Cert
- 34968
- Fed RSSD
- 940311
- SEC CIK
- 763901 → filed by POPULAR, INC.
- Website
- www.popular.com →
- Parent Holding Company
- POPULAR, INC. (RSSD 1129382) · BPOP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Javier D. Ferrer | CEO | PRESIDENT & CEO |
| Jorge J. Garcia | CFO | Executive Vice President & CFO |
| Sousa Colon Luis | CRO | EVP & Chief Risk Officer |
| Jose R. Coleman-Tio | GC | EVP & CHIEF LEGAL OFFICER |
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 Banco Popular de Puerto Rico terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Banco Popular de Puerto Rico, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Banco Popular de 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.
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 | 16.40% | 1.42% | 2.40% | 12.97% | 3.86% |
| Q1 2026 | 15.75% | 1.29% | 2.35% | 12.83% | 3.84% |
| Q4 2025 | 15.59% | 1.20% | 2.50% | 13.99% | 3.84% |
| Q3 2025 | 15.90% | 1.18% | 2.43% | 14.06% | 3.74% |
| Q2 2025 | 15.97% | 1.18% | 1.74% | 9.67% | 3.68% |
| Q1 2025 | 15.70% | 1.09% | 1.85% | 10.80% | 3.59% |
| Q4 2024 | 15.79% | 0.98% | 2.06% | 12.44% | 3.58% |
| Q3 2024 | 15.95% | 0.81% | 2.04% | 11.94% | 3.44% |
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 163 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Banco Popular de Puerto Rico (main office) | San Juan , PR | 00918 | $32.88B |
| Main Office Branch | Charlotte Amalie , VI | 00802 | $731.0M |
| Plaza Las Americas Branch | San Juan , PR | 00919 | $524.0M |
| Senorial Branch | San Juan , PR | 00927 | $456.0M |
| Bayamon Popular Center Branch | Bayamon , PR | 00959 | $439.0M |
| San Patricio Gallery Branch | Guaynabo , PR | 00968 | $436.0M |
| Condado Gallery Branch | Santurce , PR | 00907 | $357.0M |
| Condado Branch | San Juan , PR | 00907 | $355.0M |
| Plaza Carolina Branch | Carolina , PR | 00987 | $327.0M |
| Dorado Branch | Dorado , PR | 00646 | $310.0M |
| Caguas Pueblo Branch | Caguas , PR | 00725 | $303.0M |
| Cayey Montellano | Cayey , PR | 00736 | $299.0M |
| Rexville Branch | Bayamon , PR | 00956 | $298.0M |
| Guaynabo Las Cumbres Branch | Guaynabo , PR | 00969 | $285.0M |
| Parque Luis Munoz Marin Branch | San Juan , PR | 00921 | $278.0M |
| Isla Verde Branch | Carolina , PR | 00983 | $277.0M |
| El Senorial Mall Branch | San Juan , PR | 00926 | $274.0M |
| San Juan Branch | San Juan , PR | 00901 | $265.0M |
| Yauco Plaza Branch | Yauco , PR | 00698 | $263.0M |
| Parque Escorial Branch | Carolina , PR | 00985 | $262.0M |
| Cabo Rojo Branch | Cabo Rojo , PR | 00623 | $252.0M |
| Mayaguez Suau Branch | Mayaguez , PR | 00680 | $249.0M |
| Santa Rosa Branch | Bayamon , PR | 00957 | $248.0M |
| San Sebastian Branch | San Sebastian , PR | 00685 | $248.0M |
| Guayama Mall Branch | Guayama , PR | 00784 | $247.0M |
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 |
|---|---|---|---|
| May 2, 2025 | M&A | Acquired Popular Auto LLC merger for the acquired bank | SEC |
| May 2, 2025 | Structure Change | Acquired Popular Auto LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2015 | M&A | Acquired Doral Bank failure_government_assistance_provided for the acquired bank | SEC |
| February 28, 2015 | Structure Change | Acquired Doral Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 27, 2015 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 1, 2013 | M&A | Acquired Popular Mortgage, Inc. merger for the acquired bank | SEC |
| January 1, 2013 | Structure Change | Acquired Popular Mortgage, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2010 | M&A | Acquired Westernbank Puerto Rico failure_government_assistance_provided for the acquired bank | SEC |
| May 1, 2010 | Structure Change | Acquired Westernbank Puerto Rico Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 30, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 28, 2009 | M&A | Acquired Popular Finance, Inc. merger for the acquired bank | SEC |
| February 28, 2009 | Structure Change | Acquired Popular Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 2008 | M&A | Acquired Banco Popular, N.A. sale_of_assets for the acquired bank | SEC |
| December 13, 2008 | Structure Change | Acquired Banco Popular, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| July 1, 1997 | M&A | Acquired Roig Commercial Bank merger for the acquired bank | SEC |
| July 1, 1997 | Structure Change | Acquired Roig Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 1992 | M&A | Acquired American Savings Bank failure_government_assistance_provided for the acquired bank | SEC |
| June 13, 1992 | Structure Change | Acquired American Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 1991 | M&A | merger | SEC |
| January 1, 1991 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| May 31, 1986 | M&A | Acquired Banco de Ahorro, FSB failure_government_assistance_provided for the acquired bank | SEC |
| May 31, 1986 | Structure Change | Acquired Banco de Ahorro, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 21, 1984 | M&A | Acquired Washington National Bank of Chicago failure_government_assistance_provided for the acquired bank | SEC |
| May 21, 1984 | Structure Change | Acquired Washington National Bank of Chicago Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 9, 1983 | M&A | Acquired Union Trust Company failure_government_assistance_provided for the acquired bank | SEC |
| December 9, 1983 | Structure Change | Acquired Union Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 1967 | M&A | Acquired Banco de San German in San German merger for the acquired bank | SEC |
| December 12, 1967 | Structure Change | Acquired Banco de San German in San German 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 28 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Banco Popular de 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
- 2 against the institution (Federal Reserve); 5 against individuals associated with it
- March 9, 2000, Federal Reserve: Written Agreement: Banco Popular de Puerto Rico, Hato Rey, Puerto Rico
- June 21, 1999, Federal Reserve: Civil Money Penalty $10,000: Banco Popular de Puerto Rico, San Juan, Puerto Rico
- Period: Most recent institution action March 9, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 66.4% of deposits in PR, rank 1 of 6 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,923 applications, 2,399 loans originated, $640.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 360 loans, $45.9M approved, $127K 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
- 194 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 Banco Popular de Puerto Rico
What are Banco Popular de Puerto Rico's total assets?
As of the Q2 2026 filing, Banco Popular de Puerto Rico reported total assets of $63.34 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banco Popular de Puerto Rico headquartered?
Banco Popular de 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 Banco Popular de Puerto Rico founded?
Banco Popular de Puerto Rico was established in 1999, per the FDIC institution directory.
Is Banco Popular de Puerto Rico FDIC-insured?
Yes. Banco Popular de Puerto Rico is an FDIC-insured commercial bank (FDIC Certificate #34968). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banco Popular de Puerto Rico?
Banco Popular de Puerto Rico's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banco Popular de Puerto Rico's CET1 capital ratio?
Banco Popular de Puerto Rico reported a Common Equity Tier 1 (CET1) capital ratio of 16.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Banco Popular de Puerto Rico operate?
Banco Popular de Puerto Rico operates 164 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banco Popular de Puerto Rico's Texas Ratio?
Banco Popular de Puerto Rico's Texas Ratio is 12.97% 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.
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