Financial strength ranking · Puerto Rico · Call Report data as of Q2 2026

Best Banks in Puerto Rico by Financial Strength

FirstBank Puerto Rico ranks first among the 4 banks headquartered in Puerto Rico we score, with a financial strength score of 64.7 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: FirstBank Puerto Rico
Its score: 64.7 of 100
Banks scored in Puerto Rico: 4
Its return on assets: 1.96%

Every scored bank in Puerto Rico

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Puerto Rico ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	FirstBank Puerto Rico San Juan	64.7	1.96%	47.77%	11.54%	0.66%	$19.22B
2	Oriental Bank San Juan	53.1	1.87%	53.60%	10.57%	1.11%	$12.04B
3	Nave Bank San Juan	45.2	-0.20%	96.51%	13.84%	0.00%	$555.0M
4	Banco Popular de Puerto Rico San Juan	35.7	1.42%	55.94%	7.53%	1.14%	$63.34B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Puerto Rico?

By our financial strength score, FirstBank Puerto Rico of San Juan ranks first among the 4 scored banks headquartered in Puerto Rico, scoring 64.7 out of 100 for Q2 2026: return on assets of 1.96%, an efficiency ratio of 47.77%, a Tier 1 leverage ratio of 11.54% and nonperforming assets of 0.66% of total assets. Oriental Bank and Nave Bank rank second and third.

How are the best banks in Puerto Rico ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Puerto Rico

Largest banks in Puerto Rico Bank deposits in Puerto Rico Largest credit unions in Puerto Rico Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.