# BANCO POPULAR DE PUERTO RICO
SAN JUAN, PR · FDIC certificate 34968 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $63.34B | |
| Deposits | $58.73B | |
| Loans and leases | $27.93B | |
| Total equity | $4.03B | |
| Loans / deposits | 46.37% (p5 of band) | 85.78% |
| Liquid assets / assets | 52.82% (p92 of band) | |
| Uninsured deposits / deposits | 59.25% (p97 of band) | 38.39% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 0.25% (p8 of band) | |
| FHLB advances / assets | 0.07% | |
| Tier 1 leverage | 7.53% (p9 of band) | 10.17% |
| Unrealized securities loss / equity | -23.02% (p9 of band) | -7.43% |
| AOCI / equity | 0.15% (p88 of band) | |
| ROA (annualized) | 1.38% (p61 of band) | 1.24% |
| Net interest margin | 3.95% (p75 of band) | 3.57% |
| Efficiency ratio | 56.26% (p61 of band) | |
| Noncurrent loans | 2.40% (p95 of band) | 0.66% |
| Net charge-offs (annualized) | 0.53% (p90 of band) | |
| Reserve coverage of noncurrent | 103.28% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 10.62% (p27 of band) | |
| Auto loans | $3.77B (13.49% of loans; DQ 1.33%, NCO 0.06%) | |
| Loans to nondepository financials | $427.0M (11% of equity) (p57 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 7278 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

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

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

- 2025-12-04 [Popular Named “Bank of the Year Puerto Rico 2025” by The Banker Magazine - Business Wire](https://news.google.com/rss/articles/CBMixgFBVV95cUxOODk1RXVKMHdteXB0cm90eGtad29OS1RXbVBxU1RUcWRtNWt6d1ZPRUItRy0tT2J5elFHZ1Q3YVFxSUkwa2k1SkZlemNMMEJLei02ZFUxNDgweGtFc2tWZHYtb2owVHBjc3N1Yi1xZ3BWY3UwU2paU3VfZmJjNzZkLU1pUXlnU1Z3c29LSnpXRUZVRmU4dUdudmJWVEpab0ZpOTdIT3dkZUJZUEE2cXFYZV8yUW1EYWpvbW5HcG96QUhHVmQwNFE?oc=5) · Business Wire
- 2026-06-09 [Banco Popular de Puerto Rico Reports Data Breach to SEC - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTE5oSVJmTGVWRkJFM2FydkExazNuWFdFVUhzOG10VzQxdHktRDYzc1B5UjlQQ0xtVlFWN1VlQTNXbEZtUFp0Qm1SUmQ2TjRLa09hemU2YnQzOTdySnNEZW1FVldpT1RkSlg0eU9qcEhQQ1RfRU56cU9zQ3VPcmc?oc=5) · Claim Depot
- 2026-07-23 [Popular, Inc., Banco Popular De Puerto Rico and Popular North America, Inc. Announces CEO Changes - marketscreener.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPM1ZPUVBOVEl4Mll3c0FNOFpHY2VSU3VIVzB5TnRhTWZBLVpQQnVpb2hOa1A0UzhFSEo0RDdmREVnZGpRTHB0Rm5zWUlIejVnZVJUV19BWUVxd1hCakpsSFlZUENKYzVPSmxBWFh4LWlEb2drTGExLV9mNTZxbXBHaVlRcld3SHljRG9VTlFoYlNnS3BMeVhkZ1E3UW5tdUxVXzZTdW5RMjB0TXBRNzZuZEVLTTk1ZjdWbU1BX2ZWU0JYWjNHTGlQaHNmMUh3OGxoNDIzM1hDY1l1Z2owN1E?oc=5) · marketscreener.com
- 2026-01-28 [Popular, First BanCorp close 2025 with strong profits - News is My Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxPeHZFNWE3bFdZRmIwSG1UcGs1VW8wS0JtY3F3MlNvVEJua21CbkdKZ2haQ0VmMVRvNVJ4T2JlTFhHYWdrckJKekdMdW1yUmtYbGdZcUNZQzlsbnpLQjIxQk1IYnpOWEFORGc1T2dhTW9MSG9EbnJvQzNJbXh1V25RU2c1Z2JRTVprOWc?oc=5) · News is My Business
- 2026-06-09 [Banco Popular de Puerto Rico Data Breach Lawsuit Investigation - Claim Depot](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRkFHWWYzNzhna1plNXhuRkFFeWJEbzlYb1hPZEtjQnlBSDREZlFtdURza0dRQ3lnRUZTN2xZeDREaWZQN3FVRXU2Z0l4U0FKRzJETm9EcWNjZ0NxeEUtN0tDdUczeDVUQ3EyakpERkFxNm92dzV6bXRpeG80Z3JmcnVIQnhSSnVMdWwxYnVoS00?oc=5) · Claim Depot
- 2026-03-04 [St. Thomas Social Owner Files $10M Lawsuit Against Banco Popular Following Fraud Arrest - stthomassource.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQTDV0d2hVa2lTNVB4ODlVMWI2Zm5GRkxtUEtQbE5CcUFWLWdPNDhvV1BCaGZ0SzlyWmR2bGRkSUp5ai02a1I0WjhheEdrM1dMV09hR3NmVTROcThQUVNMcDFRM0NORk1NUUFSWHo2bVhSaC1RdnQzbVlUYllNZEZJbzltMzJwdVBFOV92SWdqM3hkSG1OTE1qdjAyVS1aUUVLWHY1TWlhdTh4aERGemFKa2hCOEoyNE9OSnpkZ2pSc1l1blNIUjh5SUo2MEM?oc=5) · stthomassource.com
- 2021-02-14 [Puerto Rico’s Largest Bank Is Solid as a Rock, Good News for P.R. - Cato Institute](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUXUxZjVyNW9uRlJSSmNKdHpwLXUta0ViNWtYazZNdnBKNVlmZlZueXhDWTFNWUVrcmxhV1BCMTJDTmE2My1ZTUNGR2dwb0ZhanZQaU9TZWhPSk4zVkN1WU5RV080SDVteHdPS2RvNDk3ZUVUMFpiM0JfN3BnS1NjaWhnM0x1Nzh4?oc=5) · Cato Institute
- 2026-03-04 [Popular launches Healthcare Hub for doctors - News is My Business](https://news.google.com/rss/articles/CBMifkFVX3lxTFBhMDB5bFFIMEZGNmpIZHVFUFZYLXdIaUthdTNYX2dOQXZpR2FNbDQzU1Q3bUFKRzc2YXRxRVI3R3NUNHpDYlBlbmVBVUYwRTBwWVF6b1Jmd2Jrd3hySXhxLWhXSG5fSGVwZ21mTjRZUU5oUWlMLWVEYXlNTTZzUQ?oc=5) · News is My Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34968 (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/24.json (key "34968", 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