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Banco Popular de Puerto Rico
San Juan, PR·FDIC Cert #34968·Charter: STATE·Est. 19990102.0·HC: POPULAR INC
Total Assets
$59.8B
Q4 2025
Return on Assets
1.17%
+0.01%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
59.89%
Peer avg: 52.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.17%+0.01
ROE
19.88%-0.21
Efficiency
59.89%-0.53
Equity/Assets
0.00%+0.00
NPL Ratio
2.56%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
48.92%+0.99
Charge-offs
0.72%-0.00
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 | 0.8 | 0.9 | 0.9 | 0.9 | 1.1 | 1.1 | 1.2 | 1.2 |
| ROE | 15.8 | 17.9 | 16.8 | 17.1 | 20.1 | 20.3 | 20.1 | 19.9 |
| Efficiency | 65.7 | 64.1 | 63.8 | 63.2 | 60.7 | 61.0 | 60.4 | 59.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.3 | 2.2 | 2.1 | 2.1 | 1.9 | 1.8 | 2.5 | 2.6 |
| Charge-offs | 0.9 | 0.9 | 0.9 | 0.9 | 0.7 | 0.7 | 0.7 | 0.7 |
| Loan/Deposit | 44.6 | 44.5 | 47.2 | 46.9 | 46.2 | 46.4 | 47.9 | 48.9 |
Balance Sheet
Total Assets$59.8B
Total Deposits$54.8B
Total Loans$26.8B
Total Equity$3.8B
Profitability
ROA1.17%
ROE19.88%
Efficiency Ratio59.89%
Net Income$699.0M
Risk & Asset Quality
NPL Ratio2.56%
Charge-off Rate0.72%
Loan/Deposit48.92%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans