FirstBank Puerto Rico: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks FirstBank Puerto Rico of San Juan, PR against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.94% | 1.31% | +0.63% | 87th best quarter |
| ROAE | 20.26% | 11.12% | +9.14% | 93rd best quarter |
| Net Interest Margin | 4.81% | 3.67% | +1.14% | 92nd best quarter |
| Efficiency Ratio | 49.62% | 53.24% | -3.62% | 39th better half |
| PPNR / Avg Assets | 2.62% | 1.88% | +0.74% | 83rd best quarter |
| Yield on Earning Assets | 6.15% | 5.46% | +0.69% | 87th |
| Cost of Funds | 1.48% | 1.98% | -0.50% | 22nd best quarter |
| Net Interest Spread | 3.96% | 2.98% | +0.98% | 89th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.90% | 0.67% | +0.23% | 69th worse half |
| NPA / Total Assets | 0.66% | 0.49% | +0.17% | 69th worse half |
| NCO / Avg Loans | 0.59% | 0.14% | +0.45% | 88th worst quarter |
| ACL / Total Loans | 1.81% | 1.12% | +0.69% | 91st |
| ACL / NPLs (Coverage) | 200.51% | 181.80% | +18.71% | 60th better half |
| Texas Ratio | 5.42% | 4.26% | +1.16% | 67th worse half |
| Provision / NCO | 80.21% | 113.11% | -32.90% | 28th |
| CRE / Total Capital | 102.66% | 217.03% | -114.37% | 22nd best quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.92% | 12.93% | +2.99% | 85th best quarter |
| Tier 1 Ratio | 16.65% | 13.04% | +3.61% | 86th best quarter |
| Total Capital Ratio | 17.91% | 14.24% | +3.67% | 87th best quarter |
| Leverage Ratio | 11.53% | 10.21% | +1.32% | 80th best quarter |
| Equity / Assets | 9.51% | 11.26% | -1.75% | 22nd worst quarter |
| TCE / Tangible Assets | 8.79% | 9.38% | -0.59% | 36th worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 78.93% | 86.53% | -7.60% | 28th |
| Core Deposit Ratio | 83.59% | 91.81% | -8.22% | 20th worst quarter |
| Uninsured Deposit Ratio | 46.82% | 39.38% | +7.44% | 74th worse half |
| Borrowings / Total Assets | 1.19% | 3.64% | -2.45% | 19th best quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.36% | 5.37% | -5.73% | 18th |
| Loan Growth (Y/Y) | 2.45% | 6.53% | -4.08% | 25th |
| Deposit Growth (Y/Y) | 0.19% | 4.86% | -4.67% | 20th |
See FirstBank Puerto Rico's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full FirstBank Puerto Rico profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the FirstBank Puerto Rico peer analysis.