# FIRSTBANK PUERTO RICO
SANTURCE, PR · FDIC certificate 30387 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $19.22B | |
| Deposits | $16.90B | |
| Loans and leases | $13.27B | |
| Total equity | $1.93B | |
| Loans / deposits | 77.08% (p27 of band) | 85.78% |
| Liquid assets / assets | 28.51% (p72 of band) | |
| Uninsured deposits / deposits | 47.41% (p77 of band) | 38.39% |
| Brokered deposits | 3.09% | |
| Wholesale funding | 4.16% (p26 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 11.54% (p84 of band) | 10.17% |
| Unrealized securities loss / equity | -19.26% (p14 of band) | -7.43% |
| AOCI / equity | -0.72% (p27 of band) | |
| ROA (annualized) | 1.89% (p89 of band) | 1.24% |
| Net interest margin | 4.90% (p91 of band) | 3.57% |
| Efficiency ratio | 49.07% (p32 of band) | |
| Noncurrent loans | 0.90% (p69 of band) | 0.66% |
| Net charge-offs (annualized) | 0.39% (p87 of band) | |
| Reserve coverage of noncurrent | 205.40% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 5.53% (p20 of band) | |
| Auto loans | $2.03B (15.28% of loans; DQ 3.93%, NCO 0.12%) | |
| Loans to nondepository financials | $212.0M (11% of equity) (p58 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 3173 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 6 | charge-offs p90 |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 7 | loans exceed deposits |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking | charge-offs p90, loans exceed deposits |
| 2012-06 | 6 |  | losing money |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 4 |  | deposits shrinking |
| 2013-03 | 7 | capital falling, losing money, charge-offs p90 |  |
| 2013-06 | 8 | expense ratio p90 |  |
| 2013-09 | 8 | uninsured deposits leaving | capital falling |
| 2013-12 | 7 |  | uninsured deposits leaving |
| 2014-03 | 5 |  | losing money, expense ratio p90 |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 6 | losing money |  |
| 2015-09 | 5 |  | losing money |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | charge-offs p90 |
| 2016-06 | 4 |  |  |
| 2016-09 | 7 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2016-12 | 7 |  |  |
| 2017-03 | 7 |  |  |
| 2017-06 | 6 |  | assets shrinking |
| 2017-09 | 5 |  | deposits shrinking |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | brokered >10% |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | wholesale funding >15% |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 3 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, assets shrinking |  |
| 2022-09 | 7 | uninsured deposits >50%, charge-offs p90 |  |
| 2022-12 | 6 |  | uninsured deposits >50% |
| 2023-03 | 4 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 4 | capital falling | deposits shrinking |
| 2023-09 | 3 |  | noncurrent p90 |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 3 | capital falling, charge-offs p90 |  |
| 2024-09 | 2 | uninsured deposits >50% | securities losses >30% of equity, capital falling |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 3 | capital falling | securities losses >30% of equity |
| 2025-06 | 1 |  | charge-offs p90, capital falling |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 1 |  | uninsured deposits >50% |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [Epstein Accounts at FirstBank PR Hit in Lawsuit Now Doe By Real Name Julia Molchonova - Inner City Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE53NWg1QnF3R2lNOGFxaHVRMURQRmU0MDc2eVRnQTM0dVY4SGs1Ylo2a3V6OUQyUm92ZGFFcDRUNUJaSXZXTWdHQy1aaHBLUUxPTnZqNTdITDRSZ3VXVnM4dkRiRW5NbENLN1o1Q2lJalZTeVk0cGFr?oc=5) · Inner City Press
- 2026-06-26 [Epstein victim says Puerto Rico bank facilitated crimes - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOTFh3Vzk1UlFkMXJmaWx4X21xSWRCVW1QbHdJVWQ2SWM2TC1mYU1BdWNxRm55Q2dOWi1VeEh0VzBReVZRWldTMVlRS3o2ZVh0bnU0RWx4a2E1bEhyLWR1REpJY1FyWFhJR2c4SFBLUjE5ZG9MUnRLU2h0RzVKaGxUc0VXbTRaWDNWeGx0YjhiTVJJQnFRSUNDWGRSQQ?oc=5) · American Banker
- 2026-06-26 [First BanCorp Lawsuit Statement - Business Wire](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZjJ0UGNueHpCaEpobzc2bENJcGJCanpTN1NMRm14RDJVdjNldmxyVzE2WFUzQ0pLNUtaUVBPSjJkdW1MbjVucFdqZ1o3UGpyR1ozMlBpRnZzd0dFc3FjUWtPb3I0ay1mUzNDajRDM191UVR1SkhicnhXNWRXZVozSEltVUhSdWFHU0VTM1RsT1E5Zw?oc=5) · Business Wire
- 2025-10-21 [FirstBank, FHLBNY back 10 women entrepreneurs in PR - News is My Business](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZkhjb1ZTYVMtaXBUNE1ZdDNPYWV3SlFPYldCc191WER2T1dGR3FPZDlSaDh5TTR4LXVHenF3QmJvdER5d3cyaVZtRVFPYnVEZE40LVdMcXNNS3RPa2hIRHlEZHpycGF3ZHRKMzI1UmR6WjFPcTJHWjB2Z0syZ0FmYnV6YUJRNHc?oc=5) · News is My Business
- 2026-06-26 [BREAKING NEWS: Epstein Victims Sue Puerto Rican Bank - acams.org](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRDFrME9UQVl0azNJVUNJTHZ3UXdMdktVQWNWcGc5Mmg5SzRVaXdyXzl1MTVldDF1R3J2MkdBMWhLZzUxejVFUnJ2SUFIUE0wZjB4YnRCOUtwR1FENl9Xc0NaaHJwQXJ3cXp1NGJrcWVIMjJETEJ4Znl0Zkk2V0wzdXhIYXBOV3Z4?oc=5) · acams.org
- 2026-02-09 [First BanCorp. Announces Retirement of Chief Financial Officer Orlando Berges and Appointment of Successor Said Ortiz - Business Wire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNSGlxcmZWZkRmWWVvclh1eGt1dUJ5WjdNdldHdWh6NzFkNW1rRFFSX0hFOUF1RndKRm5pbnVWZl81Q044dlpVZlRwYXpzbG5vbVM5Y0ZOdHNoTzlfcmFkZ0ptdlBELXQtX2Znd3ZJeTJaOGYtWVYtdF8xRXNUU2dESWVfSmx1YkpzMzRpc1hHaC1RaEQtRTNPNDlJTWh0cVdTR19xR0Y0a3o1TEJVN3FTUm4xSkpFMzd1NFlzcGEwSEhCeEdIa2hENVJWUjVfRkdPcG1ka09ERGwtWTdCdlEwTnhmVjBCY1Q1R0NuQWZuaE9jSEc3NmFUbFRrcGc0bWF2d0RLVg?oc=5) · Business Wire
- 2019-12-04 [Santander agrees to sell its retail and commercial banking franchise in Puerto Rico to FirstBank Puerto Rico for approximately $1.1 billion - santander.com](https://news.google.com/rss/articles/CBMingJBVV95cUxORkhPdlJZekd4Uk1idTN1RlMzMEF6OV9KRHppbXFjWnlwTnZtTHBxa19Sd0Fma0E5NXZ6ejEySURPSWUxZDZsRUcxWnVBN1BEOFBsNnZBSDY5MzFkLXZfUElQS0xwM1h3eFlVelEwbFd3UlZxcUZ0aWVmZC14aTVEaVd0d1B6VEpvWWlwc0pncTlsTWp3U290NUNnQmtXVkhDS0JQbzlPRW5YVkE4TEpBVTR6dWxRYXlqdkJyVVpiSkpDM1hLUlpWc2lKYlBSNlNwdFdNSG42Y19sVTVvanZnV3dJX052RGV4RzBQNlhVeXI5Y29hSzJITW1CbUh5bDVKbHJsMFdIZGdOTGh4dkZ1MGNlZTNfVEtxOTVPSFVB?oc=5) · santander.com
- 2026-07-02 [FirstBank class action alleges bank helped facilitate Jeffrey Epstein sex trafficking operation - Top Class Actions](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNc19aUXg3X2NyLVlscm1YcTNDMS1wUWhTQXB2Z1RDMFpGLVlZbTMzaTg2QV8zbDFsWmtyc24yeWxReWpHb2hpLWk0RzJQTGFoZ3lrSHhkTm83WmRKRDhMOERreWNUeU81a3F5RFZxUE1PckFtVnBLZHJOTWx1TmIzV3Z2SWJiOXdpSVM2ZmxLZFYzdVpWZ0hmTnozSmFibnVCZ2lZbzJMOXpjWkJYS21kMmhWVEhKQkVEWGRRSW1ma3FLN3pDdFdhY2ZFVlZQcFhCZmVmaWJmSWQwWFN0c053S3NZcUllUFJvRnVHV013?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30387 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "30387", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide