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Liquidity & Balance Sheet · Puerto Rico

US Banks with Highest Loan-to-Deposit Ratio in Puerto Rico

Ranked among banks headquartered in Puerto Rico. Re-ranked 1-4 within the state from the same national ranking population.

#1 Loan-to-Deposit Ratio: ORIENTAL BANK — 83.64% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.

Ranked: 4 banks with reported data Showing: Top 4 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Loan-to-Deposit Ratio? A Bank Guide
# Bank HQ US Banks with … Total Assets
1 Oriental Bank San Juan , PR 83.64% $11.97B
2 Firstbank Puerto Rico San Juan , PR 78.68% $19.07B
3 Nave Bank San Juan , PR 61.75% $466.6M
4 Banco Popular De Puerto Rico San Juan , PR 49.23% $60.62B

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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