Popular Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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)
- Offices
- 36 domestic
- 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)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Popular Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Popular 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 36 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 2000 | Structure Change | Acquired Aurora National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 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 |
| March 28, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1999 | Structure Change | Acquired The Bronson-Gore Bank in Prospect Heights Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 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 2, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1999 | Structure Change | Acquired Banco Popular, Illinois 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
What the public regulatory sources show for Popular Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 180 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Popular Bank headquartered?
Popular Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Popular Bank founded?
Popular Bank was established in 1999, per the FDIC institution directory.
Is Popular Bank FDIC-insured?
Yes. Popular Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Popular Bank's CET1 capital ratio?
Popular Bank 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?
Popular Bank 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?
Popular Bank's Texas Ratio is 2.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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