FirstBank Puerto Rico: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
FirstBank Puerto Rico reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 15.92% in Q3 2026, up 0.43 percentage points from 15.48% in Q3 2025. Across the 12 quarters shown it ranged from 15.45% (Q2 2025) to 16.33% (Q4 2023).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 4.89 percentage points lower than in Q2 2026, at 200.51%. Against a median of 1.25% for banks in the $10B-100B asset tier, FirstBank Puerto Rico reported 1.94% on return on assets in Q3 2026, 0.69 points higher.
Capital adequacy
Tangible equity to tangible assets moved most in this table, down 0.53 points: 9.85% in Q2 2026, 9.32% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 15.92% |
| Tier 1 risk-based capital ratio | 16.65% |
| Total risk-based capital ratio | 17.91% |
| Tier 1 leverage ratio | 11.53% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 9.32% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.90% |
| Nonperforming assets ratio | 0.66% |
| Net charge-off ratio | 0.59% |
| Texas ratio | 5.42% |
| Allowance for credit losses to loans | 1.81% |
| Reserve coverage of nonperforming loans | 200.51% |
Earnings
Efficiency ratio moved most in this table, up 1.85 points: 47.77% in Q2 2026, 49.62% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 20.26% |
| Net interest margin | 4.81% |
| Efficiency ratio | 49.62% |
| Yield on earning assets | 6.15% |
| Cost of funds | 1.48% |
Liquidity and funding
Core deposits to total deposits moved most in this table, down 0.84 points: 84.43% in Q2 2026, 83.59% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 78.93% |
| Core deposits to total deposits | 83.59% |
| Brokered deposits to total deposits | 3.54% |
| Deposits to assets | 88.15% |
| Securities to assets | 25.69% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 16.33% | 17.11% | 18.36% | 11.45% | 1.70% |
| Q1 2024 | 16.12% | 16.89% | 18.15% | 11.31% | 1.52% |
| Q2 2024 | 15.97% | 16.73% | 17.98% | 11.29% | 1.61% |
| Q3 2024 | 16.00% | 16.76% | 18.01% | 11.36% | 1.57% |
| Q4 2024 | 15.76% | 16.51% | 17.76% | 11.20% | 1.57% |
| Q1 2025 | 15.56% | 16.32% | 17.57% | 11.00% | 1.53% |
| Q2 2025 | 15.45% | 16.20% | 17.46% | 11.13% | 1.64% |
| Q3 2025 | 15.48% | 16.23% | 17.48% | 11.20% | 1.70% |
| Q4 2025 | 15.60% | 16.35% | 17.61% | 11.30% | 1.77% |
| Q1 2026 | 15.76% | 16.51% | 17.77% | 11.37% | 1.77% |
| Q2 2026 | 15.96% | 16.71% | 17.97% | 11.54% | 1.96% |
| Q3 2026 | 15.92% | 16.65% | 17.91% | 11.53% | 1.94% |
FirstBank Puerto Rico vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full FirstBank Puerto Rico profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 30387) · FFIEC NIC profile (RSSD 510871)