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Profitability · Puerto Rico

Most Efficient US Banks (Lowest Efficiency 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 US Banks (Lowest Efficiency Ratio): FIRSTBANK PUERTO RICO — 48.55% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 4 banks with reported data Showing: Top 4 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Firstbank Puerto Rico San Juan , PR 48.55% $19.07B
2 Oriental Bank San Juan , PR 49.31% $11.97B
3 Banco Popular De Puerto Rico San Juan , PR 56.14% $60.62B
4 Nave Bank San Juan , PR 117.78% $466.6M

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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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