# POPULAR BANK
NEW YORK, NY · FDIC certificate 34967 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $15.03B | |
| Deposits | $11.93B | |
| Loans and leases | $11.77B | |
| Total equity | $2.16B | |
| Loans / deposits | 97.92% (p86 of band) | 85.78% |
| Liquid assets / assets | 16.59% (p23 of band) | |
| Uninsured deposits / deposits | 31.20% (p32 of band) | 38.39% |
| Brokered deposits | 5.81% | |
| Wholesale funding | 11.29% (p69 of band) | |
| FHLB advances / assets | 4.97% | |
| Tier 1 leverage | 11.80% (p87 of band) | 10.17% |
| Unrealized securities loss / equity | -2.91% (p76 of band) | -7.43% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 0.98% (p26 of band) | 1.24% |
| Net interest margin | 3.20% (p29 of band) | 3.57% |
| Efficiency ratio | 55.13% (p52 of band) | |
| Noncurrent loans | 0.39% (p21 of band) | 0.66% |
| Net charge-offs (annualized) | 0.05% (p35 of band) | |
| Reserve coverage of noncurrent | 202.26% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 62.21% (p89 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $124.4M (6% of equity) (p46 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 798 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-07-30 [Elder financial abuse spotlighted at event series hosted by Popular Bank and NYC Aging - New York Amsterdam News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNSTRxMmd4NkpCS3hHcWpmdFNsWThnNFpJUkVIdWgtMy13c0tEcElzdWttYjJ4alNKLXpSQjloaFRWWERMWmY2RkZCUFY0aG5wbC1oTUVySEgwSGRvOGZPZXh2RENtZmZUa3k3aW1JOVk5Z0hGekE4cGZCRWhHMy0xOUxrZXlHcWhlR3ltcXNPYk1YbXQzT3dHMUQxN1QyclQ5YlFEeG9aQkxtVEFLLUVEMkhjYjd6Mm44Wk04VEhpYVJkVkNPc0IyUA?oc=5) · New York Amsterdam News
- 2026-03-05 [These are the most popular banks in each state in 2026 - Bankrate](https://news.google.com/rss/articles/CBMic0FVX3lxTFBjWWVmY0k0WVJqbjV4VnhRV2NCOWpmaEVLSC1pbTJwcEZtOVlqQTFickJOYzBZWVRmNTlLdENIdEk4N1Q2MmJyczRHYnlKdng0Wk9uZ3JJc2pIT1FxM0lacGpVSzZIZ1RXTWkya3R1Qk1Oc2c?oc=5) · Bankrate
- 2026-03-04 [DiNapoli, Sanders and Anderson Take Action to Expand Lending in Underserved Communities and Spur Economic Development - Office of the New York State Comptroller (.gov)](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPM3lJZVF5RTd3SnlkckRoV0VGQ0hrakhvUWdPLWhSLXprcVZEdTA3VHRuMTN5MXZwZk1xWG5hS3VZaXVmT0xKR0hjelU5WDlXeGYtVkRpeWV5a0Y5em1HcXZhYmVYeURPLVRZeVpXS29TRDJlUzNlMERYS01LWXN6bXNiZnpXb2dVWWdZeDRqd3RUbXpfdWhDUXJkcW1MYlp5RVJYS2pNbVI1UGpxc1otZVRzWG1ob2NjQUpWVEZGYlh3dUJfODZ3d1NETlFNd2M0OWVLeWhUcXdDRFQz?oc=5) · Office of the New York State Comptroller (.gov)
- 2026-04-14 [Popular names new U.S. leader as CEO hunts stronger returns - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWHhzR3BkdVMtV0N0QjduNE1TalFLMG8xSHZtS0l6MFBWM0tBUUlOWkt0VjlleFh2Y1VBVXZBS2ZNNzJiQnF3NlJiMUl5MmVDd0JqMkNfOU10Tks3SGpqT0M0OGY5U0Zob3lUOWgtcXBzMUtSRElreUpINTN3U0NGaGU5ZU5JU25nY2pKYWYxdG5sOGVIaFJ0VV9B?oc=5) · American Banker
- 2026-04-08 [Popular Inc. Announces Executive Leadership Changes - Business Wire](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUlRTMWJveXdYOFd3QkVDbHhlcmN2NmhHSWVSUXpTSW9LS1o1ME9IcmRJWjhPcWxOZWdvbzFqNmRPQ3Mtb2JBN1ZpT1RQZzF0WkJUU2JRNDNVckdCaHJ3QkcyRzRUTWxpVzlRbkI4V0VKOXhaSUQ2SUxXUXIyV0lUbm5rRTdNX2NGcVBFRjJWYmZ4eFlDT3ExVkI0ejdnQlJsWXYtYTRZdVZ3WURJ?oc=5) · Business Wire
- 2025-10-27 [Popular Bank exits US mortgage business - HousingWire](https://news.google.com/rss/articles/CBMid0FVX3lxTE0yNzk0WHBqX09SdjFpZ2ktdGNHX0xNX2ZNZkZwZjgzSGRKS3VpWXRLOHA0QmJXUUwzaEJpZXdZRXgxLWM5NkdYZmhWOTZLUFZGRlowVmY5ckxZOEZJRlptMERSem1OVHpJVWVnVGVCLTY0NEo4UHR3?oc=5) · HousingWire
- 2026-01-10 [Popular bank seeks to close several branches across CT ‘as needs continue to evolve’ - courant.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOUDM2N216WThMWGtndW82bXdMWWdTTHplYzNYaU9LZ0hQUGYyRG56YWYtWkQwckZPZ3NNS0Vfb1RGTnJoY2JoUmRuSWUxdzNvSFVTQjZ5VXNhNkZUbHQzRFBsMWtQYmhSVHZhd3h3RG9PZV9aclprajJsLVNvOFZTWWVwNEpoN2tIc0IyQVdsUGdlZkp4b19IcHJjLXNFemctTFM1U2xnYlBTSkFNNFMxbkZiNVlMMVhqSlE?oc=5) · courant.com
- 2025-10-13 [Spotlight On: Kenneth Mitchell, Division Manager, New York Metro Commercial Banking, Popular Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMizgFBVV95cUxOSnNVNVNZenFGc0NoLTMzMzZWNkkwWUFEeWlxdEJjSXhqbW94eGluSk9kaGxxNUk5QWM0QWx0WGN1MXQyWDJmYi16d21XZ3A5aWJZZWNickdvSTFnX0ZoQTR2dkRzY1QtUGVpcF9iZHZma0l3cGVvUUEzN04xWXhJOVEwNU1KVEw4NHZhdzVfUVd2eHpxSU5EaVZwX2hEYTQ3R2JfQ2RJOGZIQkpOU2ZRR1ZPRUJncXlmMVcxa1hrTUVqaE1ZbS1JNmsxSkxCZw?oc=5) · Capital Analytics Associates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34967 (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/23.json (key "34967", 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