Bank Safety Analysis
Is FirstBank Puerto Rico Safe? San Juan, Puerto Rico
Based on its Q3 2026 call report, FirstBank Puerto Rico meets every capital ratio test for well capitalized, its Texas ratio is 5.42%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is FirstBank Puerto Rico safe?
On its Q3 2026 call report, FirstBank Puerto Rico's CET1 ratio is 15.92%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.92%
- Tier 1 leverage ratio (Q3 2026): 11.53%
- Texas ratio (Q3 2026): 5.42%
- Noncurrent loans ratio (Q3 2026): 0.90%
FirstBank Puerto Rico is an FDIC-insured commercial bank (FDIC Certificate #30387). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report FirstBank Puerto Rico (FDIC Certificate #30387) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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FirstBank Puerto Rico passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged down 0.09 percentage points between Q2 2026 and Q3 2026, to 4.81%. The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. FirstBank Puerto Rico sits 3.03 points higher, at 15.92% (Q3 2026). From Q4 2023 to Q3 2026, FirstBank Puerto Rico's CET1 ratio ranged between 15.45% (Q2 2025) and 16.33% (Q4 2023) and its Texas ratio ranged between 4.94% (Q1 2026) and 8.28% (Q1 2024).
Between Q3 2025 and Q3 2026, FirstBank Puerto Rico's CET1 ratio rose from 15.48% to 15.92%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.96% to 0.90%, Texas ratio fell from 5.73% to 5.42% and return on assets rose from 1.70% to 1.94%.
1-4 family residential loans are its largest loan category, $3.11B of $13.38B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, FirstBank Puerto Rico's CET1 ratio of 15.92% is above the 12.88% median, Tier 1 leverage ratio of 11.53% is above the 10.21% median, nonperforming loans ratio of 0.90% is above the 0.67% median, Texas ratio of 5.42% is above the 4.26% median, and efficiency ratio of 49.62% is below the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
FirstBank Puerto Rico's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does FirstBank Puerto Rico score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does FirstBank Puerto Rico trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.92% | Within range |
| Texas ratio BankRegReports band | 5.42% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.90% | Within range |
| Uninsured deposit share BankRegReports band | 46.82% | Within range |
| Loan-to-deposit ratio BankRegReports band | 78.93% | Within range |
| Commercial real estate to capital supervisory threshold | 102.66% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.54% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 15.92% |
| Q2 2026 | 15.96% |
| Q1 2026 | 15.76% |
| Q4 2025 | 15.60% |
| Q3 2025 | 15.48% |
| Q2 2025 | 15.45% |
| Q1 2025 | 15.56% |
| Q4 2024 | 15.76% |
| Q3 2024 | 16.00% |
| Q2 2024 | 15.97% |
| Q1 2024 | 16.12% |
| Q4 2023 | 16.33% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.42% |
| Q2 2026 | 5.14% |
| Q1 2026 | 4.94% |
| Q4 2025 | 5.34% |
| Q3 2025 | 5.73% |
| Q2 2025 | 6.24% |
| Q1 2025 | 6.86% |
| Q4 2024 | 6.75% |
| Q3 2024 | 6.66% |
| Q2 2024 | 7.77% |
| Q1 2024 | 8.28% |
| Q4 2023 | 7.96% |
Loans by type, Q3 2026
- 1-4 family residential loans: $3.11B
- Non-owner-occupied commercial real estate loans: $2.30B
- Commercial and industrial loans: $2.12B
- Auto loans: $2.02B
- Owner-occupied commercial real estate loans: $893.0M
- Leases: $866.7M
- Loans to states and political subdivisions: $515.5M
- Other consumer loans: $463.1M
How have FirstBank Puerto Rico's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $19.23B | 15.92% | 11.53% | 0.90% | 5.42% | 49.62% |
| Jun 30, 2026 | $19.22B | 15.96% | 11.54% | 0.90% | 5.14% | 47.77% |
| Mar 31, 2026 | $19.07B | 15.76% | 11.37% | 0.89% | 4.94% | 49.45% |
| Dec 31, 2025 | $19.11B | 15.60% | 11.30% | 0.95% | 5.34% | 49.00% |
| Sep 30, 2025 | $19.30B | 15.48% | 11.20% | 0.96% | 5.73% | 49.56% |
| Jun 30, 2025 | $18.89B | 15.45% | 11.13% | 1.01% | 6.24% | 49.24% |
| Mar 31, 2025 | $19.10B | 15.56% | 11.00% | 1.07% | 6.86% | 49.43% |
| Dec 31, 2024 | $19.29B | 15.76% | 11.20% | 1.02% | 6.75% | 50.58% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is FirstBank Puerto Rico FDIC insured?
Yes. FirstBank Puerto Rico is an FDIC-insured commercial bank (FDIC Certificate #30387). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is FirstBank Puerto Rico well capitalized?
On its Q3 2026 call report, FirstBank Puerto Rico's CET1 ratio is 15.92%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are FirstBank Puerto Rico's key safety ratios?
For Q3 2026, FirstBank Puerto Rico reports CET1 15.92%, leverage 11.53%, Texas ratio 5.42%, noncurrent loans 0.90%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if FirstBank Puerto Rico fails?
For Q3 2026, FirstBank Puerto Rico reported $16.95B in total deposits, 46.82% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full FirstBank Puerto Rico profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio FirstBank Puerto Rico is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 30387) · FFIEC NIC profile (RSSD 510871)
Explore: Full FirstBank Puerto Rico profile · Other banks in PR · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.