Popular Bank
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Data as of · sourced from FFIEC call reports. How we update
Popular Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1999 (FDIC certificate 34967), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $15.03B, up 1.1% from Q2 2025, the 12th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 14.32% 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
- 34967
- Headquarters
- New York, NY
- Established
- 1999
- Total assets, Q2 2026
- $15.03B
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 14.32%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 026008811
- Latest call report
- Q2 2026, FFIEC 041 · Popular Bank call report
- Holding company
- POPULAR NORTH AMERICA, INC.
- Asset rank in state
- 12th of 105 in New York
Popular Bank leans heavily on commercial real estate. Based in New York, New York, it had $15.0 billion in assets at June 30, 2026, up 1.1% from a year earlier. It holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). It also returns 6.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 11.1%).
Earnings jumped: net income for the quarter was $37 million, 62% above the same quarter a year earlier. Over the same year, loans grew 3.4% and deposits shrank 0.1%. Funding is the softer spot: it pays an average of 2.77% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.92%).
As of June 30, 2026, Popular Bank reported a CET1 capital ratio of 14.32%, a return on assets of 0.97%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.42%. The figures come from its call report filed with the FFIEC.
Popular Bank ranks as the 12th largest of the 105 banks based in New York, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $15.03B, loans rose 1.4% and deposits fell 2.5%. Non-owner-occupied commercial real estate loans made up 19.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.0%. Its 36 offices in the FDIC Summary of Deposits are in 21 cities across 3 states; its New York 6 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, Popular Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 85 Broad St, New York, NY 10004
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 2, 1999
- Former names
- Banco Popular North America (1999-2018)
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 798
- Domestic deposits
- $11.93B
- Allowance for credit losses
- $92.5M
- Net charge-offs (YTD)
- $3.4M
- Average total assets
- $15.06B
- Average total loans
- $11.49B
- Average interest-bearing deposits
- $10.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1999
- FDIC Cert
- 34967
- Fed RSSD
- 2736291
- SEC CIK
- 763901 → filed by POPULAR, INC.
- Website
- www.popularbank.com →
- Parent Holding Company
- POPULAR NORTH AMERICA, INC. (RSSD 2138466)
- Ultimate Parent
- POPULAR, INC. (RSSD 1129382)
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
From Q3 2023 to Q2 2026, Popular Bank's total assets ranged from $12.81B (Q3 2023) to $15.06B (Q4 2025), 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
$15.03B total assets against $14.86B; $12.87B total liabilities against $12.83B.
$11.68B net loans and leases against $11.29B; $11.93B total deposits against $11.95B.
$1.44B securities against $1.01B; $1.05B cash and balances due against $1.69B.
$201.4M total interest income against $195.7M; $88.3M total interest expense against $93.5M.
$113.1M net interest income against $102.2M.
$7.1M total noninterest income against $6.8M; $66.8M total noninterest expense against $71.2M.
$2.8M provision for credit losses against $6.5M.
$36.6M net income against $22.6M.
0.97% return on assets against 0.61%; 3.16% net interest margin against 2.93%.
14.32% CET1 capital ratio against 13.65%; 11.80% tier 1 leverage ratio against 10.96%.
Inside the full Popular Bank 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Popular Bank rankings
Its closest position to the top of a national ranking is 127 of 4,196, for total assets; its furthest is 2,571 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q1 2025) to 0.98% (Q1 2026) and its net interest margin ran from 2.71% (Q1 2025) to 3.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.32% | 0.97% | 0.39% | 2.42% | 3.16% |
| Q1 2026 | 14.24% | 0.98% | 0.32% | 2.03% | 3.12% |
| Q4 2025 | 13.79% | 0.87% | 0.34% | 2.15% | 3.13% |
| Q3 2025 | 13.67% | 0.48% | 0.43% | 2.76% | 2.96% |
| Q2 2025 | 13.65% | 0.61% | 0.48% | 3.09% | 2.93% |
| Q1 2025 | 13.75% | 0.41% | 0.47% | 3.00% | 2.71% |
| Q4 2024 | 13.35% | 0.67% | 0.54% | 3.46% | 2.72% |
| Q3 2024 | 13.75% | 0.80% | 0.69% | 4.23% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 36 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 |
|---|---|---|---|
| Popular Bank (main office) | New York , NY | 10004 | $4.70B |
| Miami Lakes Branch | Miami Lakes , FL | 33016 | $2.18B |
| Rockefeller Center Branch | New York , NY | 10104 | $421.3M |
| E ParkwayNostrand Branch | Brooklyn , NY | 11225 | $351.4M |
| North Miami Branch | North Miami Beach , FL | 33181 | $293.5M |
| Dadeland Branch | Miami , FL | 33156 | $274.9M |
| Doral Branch | Miami , FL | 33166 | $263.2M |
| Elizabeth Avenue Branch | Elizabeth , NJ | 07201 | $221.6M |
| Sheepshead Bay Branch | Brooklyn , NY | 11235 | $208.7M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $183.6M |
| East Tremont Branch | Bronx , NY | 10457 | $176.7M |
| Bloomfield Branch | Newark , NJ | 07107 | $175.3M |
| Ralph Avenue Branch | Brooklyn , NY | 11234 | $158.3M |
| 149th Street Branch | Bronx , NY | 10455 | $153.2M |
| Skylake | North Miami Beach , FL | 33179 | $136.7M |
| Houston Branch | New York , NY | 10002 | $130.3M |
| Miami Beach Branch | Miami Beach , FL | 33141 | $128.4M |
| 170th Street Branch | New York , NY | 10032 | $127.6M |
| Fifth Avenue Branch | Brooklyn , NY | 11220 | $124.1M |
| 116th Street Branch | New York City , NY | 10029 | $119.8M |
| Hialeah Branch | Hialeah , FL | 33012 | $117.4M |
| Aventura Branch | Aventura , FL | 33180 | $114.9M |
| Brickell Branch | Miami , FL | 33131 | $112.2M |
| Bergenline Branch | West New York , NJ | 07093 | $108.4M |
| Fordham Branch | Bronx , NY | 10458 | $104.9M |
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 |
|---|---|---|---|
| February 28, 2015 | Structure Change | Acquired Doral Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 4, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2005 | Structure Change | Acquired Kislak National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2004 | Structure Change | Acquired Quaker City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2000 | Structure Change | Acquired Aurora National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2000 | Structure Change | Acquired Banco Popular, National Association (Texas) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1999 | Structure Change | Acquired The Irving Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 24, 1999 | Structure Change | Acquired First State Bank of Southern California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Banco Popular, National Association (New Jersey) 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 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 3 against individuals associated with it
- January 20, 2023, Federal Reserve: Civil Money Penalty: Popular Bank, New York, New York
- Period: Most recent institution action January 20, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NY, rank 34 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 296 applications, 196 loans originated, $497.5M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $245K approved, $82K 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).
- Not on file
- Consumer complaints, 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 Popular Bank
What are Popular Bank's total assets?
As of the Q2 2026 filing, Popular Bank reported total assets of $15.03 billion in its FFIEC call report.
Where is Popular Bank headquartered?
It is headquartered in New York, NY, United States.
When was Popular Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Popular Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Popular Bank?
Popular Bank's primary federal regulator is the Federal Reserve.
What is Popular Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.32% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Popular Bank operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Popular Bank's Texas Ratio?
Its Texas Ratio is 2.42% 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.
What was Popular Bank previously called?
The charter now named Popular Bank has also operated as Banco Popular North America (1999-2018), per FDIC structure-change records.
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