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Popular Bank
New York, NY·FDIC Cert #34967·Charter: STATE·Est. 19990102.0·HC: POPULAR INC
Total Assets
$15.1B
Q4 2025
Return on Assets
0.60%
+0.09%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.61%
Peer avg: 54.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.60%+0.09
ROE
4.31%+0.67
Efficiency
62.61%-2.51
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%-0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.26%+2.21
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.2 | 0.4 | 0.5 | 0.6 | 0.4 | 0.5 | 0.5 | 0.6 |
| ROE | 1.4 | 2.6 | 3.7 | 4.0 | 3.0 | 3.7 | 3.6 | 4.3 |
| Efficiency | 76.3 | 75.9 | 72.0 | 70.3 | 67.2 | 66.1 | 65.1 | 62.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.7 | 0.5 | 0.5 | 0.5 | 0.4 | 0.3 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 92.2 | 87.4 | 87.4 | 92.8 | 92.4 | 94.5 | 94.0 | 96.3 |
Balance Sheet
Total Assets$15.1B
Total Deposits$12.0B
Total Loans$11.6B
Total Equity$2.1B
Profitability
ROA0.60%
ROE4.31%
Efficiency Ratio62.61%
Net Income$87.8M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.05%
Loan/Deposit96.26%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans