Safest Banks in Puerto Rico 2026
Puerto Rico has 4 FDIC-insured banks with an average Bank Health Score of 88/100 (A). The safest bank is Firstbank Puerto Rico with a score of 93/100.
Data from FDIC Q2 2024
Top 4 Banks in Puerto Rico
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Firstbank Puerto Rico | Santurce | A | 93 | 15.97% | 1.16% |
| 2 | Nave Bank | San Juan | A | 90 | 234.18% | 0.00% |
| 3 | Oriental Bank | San Juan | A | 84 | 13.39% | 1.48% |
| 4 | Banco Popular de Puerto Rico | San Juan | A | 84 | 16.37% | 2.10% |
Bank Health Scores for Puerto Rico are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Firstbank Puerto Rico in Santurce is currently the safest bank in Puerto Rico with a score of 93/100 (Grade A).
Puerto Rico has 4 FDIC-insured banks with a combined $88.5B in total assets. The average Bank Health Score across the state is 88/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).