Banco Popular de Puerto Rico
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Data as of · sourced from FFIEC call reports. How we update
Banco Popular de Puerto Rico is an FDIC-insured commercial bank headquartered in San Juan, PR, established in 1999 (FDIC certificate 34968), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $63.34B, up 4.2% from Q2 2025, the largest of 4 banks headquartered in Puerto Rico. Its CET1 capital ratio was 16.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34968
- Headquarters
- San Juan, PR
- Established
- 1999
- Total assets, Q2 2026
- $63.34B
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 16.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 021502011
- Latest call report
- Q2 2026, FFIEC 031 · Banco Popular de Puerto Rico call report
- Holding company
- POPULAR, INC.
- Asset rank in state
- 1st of 4 in Puerto Rico
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. 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 2.40% and a Texas ratio of 12.97%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.5% to $63.34B, loans rose 1.4% and deposits rose 5.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.3% of total loans, ahead of commercial and industrial loans at 15.4%. On its Q2 2026 call report, Banco Popular de Puerto Rico meets every capital ratio test for well capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Banco Popular de Puerto Rico's total assets ran between $56.77B (Q3 2024) and $63.34B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$63.34B total assets against $60.78B; $59.31B total liabilities against $57.20B.
$27.23B net loans and leases against $25.97B; $58.73B total deposits against $55.95B.
$29.57B securities against $27.06B; $3.89B cash and balances due against $5.16B.
$777.0M total interest income against $748.0M; $190.0M total interest expense against $211.0M.
$587.0M net interest income against $537.0M.
$139.0M total noninterest income against $129.0M; $407.0M total noninterest expense against $409.0M.
$63.0M provision for credit losses against $42.0M.
$224.0M net income against $178.0M.
1.42% return on assets against 1.18%; 3.86% net interest margin against 3.68%.
16.40% CET1 capital ratio against 15.97%; 7.53% tier 1 leverage ratio against 7.48%.
Inside the full Banco Popular de Puerto Rico terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 45 of 4,196, for total assets; its furthest is 1,489 of 3,611, for ROA.
Metric pages for Banco Popular de Puerto Rico: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.81% (Q3 2024) to 1.42% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 3.86% (Q2 2026).
| 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
View all 163 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Popular Mortgage, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | M&A | Acquired Popular Mortgage, Inc. merger for the acquired bank | SEC |
| May 1, 2010 | Structure Change | Acquired Westernbank Puerto Rico Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 1, 2010 | M&A | Acquired Westernbank Puerto Rico failure_government_assistance_provided for the acquired bank | SEC |
| April 30, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 28, 2009 | Structure Change | Acquired Popular Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2009 | M&A | Acquired Popular Finance, Inc. merger for the acquired bank | SEC |
| December 13, 2008 | Structure Change | Acquired Banco Popular, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| December 13, 2008 | M&A | Acquired Banco Popular, N.A. sale_of_assets 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 |
| July 1, 1997 | M&A | Acquired Roig Commercial Bank merger for the acquired bank | SEC |
| June 13, 1992 | Structure Change | Acquired American Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 13, 1992 | M&A | Acquired American Savings Bank failure_government_assistance_provided for the acquired bank | SEC |
| 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 | Structure Change | Acquired Union Trust Company 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 12, 1967 | Structure Change | Acquired Banco de San German in San German Charter Discontinued (Merger or Purchase & Assumption) 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 |
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
Facts as filed or published, not a rating.
- 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
- 197 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Banco Popular de Puerto Rico headquartered?
It is headquartered in San Juan, PR, United States.
When was Banco Popular de Puerto Rico founded?
It was established in 1999, per the FDIC institution directory.
Is Banco Popular de Puerto Rico FDIC-insured?
Yes. It 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.
What is Banco Popular de Puerto Rico's CET1 capital ratio?
It 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?
It operates 1 domestic office, 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?
Its Texas Ratio is 12.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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