Firstbank Puerto Rico
Santurce, Puerto Rico · FDIC Cert #30387
This is the FDIC profile for Firstbank Puerto Rico, an FDIC-insured bank (Certificate #30387) with $18.9B in total assets and $16.6B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Santurce, Puerto Rico, the bank maintains a Tier 1 capital ratio of 15.97% (Well-Capitalized) and a nonperforming loan ratio of 1.16%. BankHealthData assigns a composite Health Grade of A (93/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Firstbank Puerto Rico (FDIC cert 30387) is a large bank with $18.9B in total assets and $16.6B in deposits, headquartered in Santurce, Puerto Rico. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 15.97% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.16% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.12% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Firstbank Puerto Rico carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Firstbank Puerto Rico
- Total Assets
- $18.9B
- Total Deposits
- $16.6B
- Tier 1 Capital Ratio
- 15.97%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.16%
- Liquidity Ratio
- 31.21%
- Return on Assets
- 2.12%
- Headquarters
- Santurce, Puerto Rico
- FDIC Certificate
- #30387
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Firstbank Puerto Rico files quarterly Call Reports with the FDIC under Certificate #30387. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Firstbank Puerto Rico holds a Tier 1 capital ratio of 15.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Firstbank Puerto Rico has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Firstbank Puerto Rico shows strong financial health indicators. With $18.9B in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Firstbank Puerto Rico Compares
Firstbank Puerto Rico’s Health Score of 93 is 5 points above the Puerto Rico state average of 88 across 4 FDIC-insured banks. Its 15.97% Tier 1 capital ratio is 2.0 points above the US banking industry average near 14%. The 1.16% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.12% is in line with or above the national ROA benchmark of ~1.1%. Among 98 similarly-sized banks, the average Health Score is 79, meaning this bank ranks above its size cohort. Site-wide, Firstbank Puerto Rico is 13 points above the portfolio average of 80.
Frequently Asked Questions
Firstbank Puerto Rico has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.97%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Firstbank Puerto Rico's Tier 1 capital ratio of 15.97% and nonperforming loan ratio of 1.16% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Firstbank Puerto Rico is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30387). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Firstbank Puerto Rico holds $18.9B in total assets and $16.6B in total deposits. It is headquartered in Santurce, Puerto Rico (FDIC Certificate #30387).
Firstbank Puerto Rico's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #30387 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Firstbank Puerto Rico has a Tier 1 capital ratio of 15.97%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.16%, and the return on assets is 2.12%.
Yes. Firstbank Puerto Rico is FDIC-insured (Certificate #30387). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Firstbank Puerto Rico's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.