Firstbank Puerto Rico vs Oriental Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Firstbank Puerto Rico has a stronger Bank Health Score of 93/100 (A) compared to Oriental Bank at 84/100 (A), a difference of 9 points. Firstbank Puerto Rico holds a Tier 1 capital ratio of 15.97% and an NPL ratio of 1.16%.
| Metric | Firstbank Puerto Rico | Oriental Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 93/100 (A)* | 84/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.0%* | 13.4% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 1.2%* | 1.5% |
| Liquidity Ratio Cash and liquid assets vs obligations | 31.2%* | 27.6% |
| Return on Assets Profitability metric (above 1% is strong) | 2.1% | 2.4%* |
| Total Assets | $18.9B | $11.2B |
| Total Deposits | $16.6B | $9.6B |
| Location | Santurce, Puerto Rico | San Juan, Puerto Rico |
Firstbank Puerto Rico has a stronger Bank Health Score of 93/100 (A) compared to Oriental Bank at 84/100 (A), a difference of 9 points. Firstbank Puerto Rico holds a Tier 1 capital ratio of 15.97% and an NPL ratio of 1.16%.