Regulatory profile
Santurce, PR · FDIC certificate #30387 · RSSD 510871
Performance workbook
Current reporting period 20260331. Peer values are medians, not supervisory benchmarks.
| Metric | Current | QoQ | YoY | National median | Asset peer | State peer | History |
|---|---|---|---|---|---|---|---|
| Total assetsASSET · USD thousands | 19,070,727 | — | — | 2,394,258All covered banks · n=1065 | 20,734,124.5$10B–$50B · n=110 | 19,070,727PR · n=3 | 0 reported quarters |
| Total depositsDEP · USD thousands | 16,654,866 | — | — | 1,978,101All covered banks · n=1065 | 16,328,016.5$10B–$50B · n=110 | 16,654,866PR · n=3 | 0 reported quarters |
| Net loans and leasesLNLSNET · USD thousands | 12,858,822 | — | — | 1,687,740All covered banks · n=1065 | 13,336,946.5$10B–$50B · n=110 | 12,858,822PR · n=3 | 0 reported quarters |
| Return on assetsROA · percent | 1.80% | — | — | 1.22%All covered banks · n=1065 | 1.19%$10B–$50B · n=110 | 1.74%PR · n=3 | 0 reported quarters |
| Return on equityROE · percent | 18.09% | — | — | 11.68%All covered banks · n=1051 | 10.10%$10B–$50B · n=105 | 18.09%PR · n=3 | 0 reported quarters |
| Net interest marginNIMY · percent | 4.83% | — | — | 3.61%All covered banks · n=1065 | 3.58%$10B–$50B · n=110 | 4.83%PR · n=3 | 0 reported quarters |
Missing periods remain unavailable. Changes use reported quarter endpoints; mergers and revisions should be reviewed in the profile evidence sections below.
Peer interpretation
$10B–$50B asset cohort · 110 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Reported performance
Multi-period semantic layer
No multi-period detailed ratios available
Current-quarter detailed schedules are available below. Historical detailed ratios will appear only after additional official quarters are published into the semantic layer.
Deterministic deposit bridge
2025-12-31 to 2026-03-31
| Period | Starting deposits | Ending deposits | Change | Residual |
|---|---|---|---|---|
| 2025-12-31 → 2026-03-31 | $16,723,991k | $16,654,866k | −$69,125k | +$0k |
| 2025-09-30 → 2025-12-31 | $16,919,980k | $16,723,991k | −$195,989k | +$0k |
| 2025-06-30 → 2025-09-30 | $16,608,815k | $16,919,980k | +$311,165k | +$0k |
| 2025-03-31 → 2025-06-30 | $16,874,463k | $16,608,815k | −$265,648k | +$0k |
| 2024-12-31 → 2025-03-31 | $16,907,406k | $16,874,463k | −$32,943k | +$0k |
| 2024-09-30 → 2024-12-31 | $16,382,969k | $16,907,406k | +$524,437k | +$0k |
| 2024-06-30 → 2024-09-30 | $16,561,831k | $16,382,969k | −$178,862k | +$0k |
| 2024-03-31 → 2024-06-30 | $16,579,682k | $16,561,831k | −$17,851k | +$0k |
Point-in-time counterfactual
29 eligible candidates
| Peer | Match distance | Largest differences |
|---|---|---|
| FIRST HAWAIIAN BANKFDIC #17985 | 0.088 | asset scale 0.061 · loan to asset 0.020 · prior deposit growth 0.003 |
| BANK OF HAWAIIFDIC #18053 | 0.118 | asset scale 0.057 · prior deposit growth 0.039 · loan to asset 0.020 |
| CATHAY BANKFDIC #18503 | 0.168 | prior deposit growth 0.070 · asset scale 0.059 · loan to asset 0.037 |
| SAFRA NB OF NEW YORKFDIC #26876 | 0.277 | asset scale 0.115 · loan to asset 0.089 · prior deposit growth 0.070 |
| RAYMOND JAMES BANKFDIC #33893 | 0.309 | asset scale 0.223 · prior deposit growth 0.050 · loan to asset 0.029 |
Evidence and counter-evidence
deposit-hypothesis-graph-v1
Observation: Reported deposits changed -0.41% from 2025-12-31 to 2026-03-31.
Management assertion ledger
Reviewed-only
No reviewed management assertion is joined to this institution. Candidate or rejected identities, rights-uncleared call content, and machine-extracted statements remain private and cannot fill this space.
Novelty and state memory
No eligible state
No governed novelty state is available. OptimaYield does not repeat a static warning as though it were a new event.
This is public regulatory signal history only. Customer review state, usefulness decisions, snoozes and notes are tenant-private and are never joined into this profile.
This bridge reconciles reported domestic and foreign interest-bearing and noninterest-bearing deposits. Peer distance uses disclosed asset scale, balance-sheet mix, deposit growth, geography, regulator, and charter weights for the same period. Neither result establishes customer behavior, causation, organic growth, acquisition effects, or purchasing intent. Merger-discontinuous and incomplete periods are withheld.
Normalized official filing
Availability varies by institution and period; unavailable values remain explicit.
Assets, liabilities, deposits, loans, securities and equity.
No reported fields matched this schedule and search. This is not interpreted as zero.
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| San Juan | PR | 8 | 0 | Unavailable |
| Bayamon | PR | 7 | 0 | Unavailable |
| Rio Piedras | PR | 5 | 0 | Unavailable |
| Miami | FL | 3 | 0 | Unavailable |
| Caguas | PR | 3 | 0 | Unavailable |
| Carolina | PR | 3 | 0 | Unavailable |
| Guaynabo | PR | 3 | 0 | Unavailable |
| Ponce | PR | 3 | 0 | Unavailable |
| Charlotte Amalie | VI | 3 | 0 | Unavailable |
| Arecibo | PR | 2 | 0 | Unavailable |
| Condado | PR | 2 | 0 | Unavailable |
| Mayaguez | PR | 2 | 0 | Unavailable |
| Santurce | PR | 2 | 1 | Unavailable |
| Christiansted | VI | 2 | 0 | Unavailable |
| Coral Gables | FL | 1 | 0 | Unavailable |
| Deerfield Beach | FL | 1 | 0 | Unavailable |
| Doral | FL | 1 | 0 | Unavailable |
| Hialeah | FL | 1 | 0 | Unavailable |
| Pembroke Pines | FL | 1 | 0 | Unavailable |
| Aguada | PR | 1 | 0 | Unavailable |
| Aguadilla | PR | 1 | 0 | Unavailable |
| Cabo Rojo | PR | 1 | 0 | Unavailable |
| Canovanas | PR | 1 | 0 | Unavailable |
| Cayey | PR | 1 | 0 | Unavailable |
| Dorado | PR | 1 | 0 | Unavailable |
| Fajardo | PR | 1 | 0 | Unavailable |
| Guayama | PR | 1 | 0 | Unavailable |
| Hato Rey | PR | 1 | 0 | Unavailable |
| Humacao | PR | 1 | 0 | Unavailable |
| Manati | PR | 1 | 0 | Unavailable |
| San Sebastian | PR | 1 | 0 | Unavailable |
| Toa Alta | PR | 1 | 0 | Unavailable |
| Toa Baja | PR | 1 | 0 | Unavailable |
| Trujillo Alto | PR | 1 | 0 | Unavailable |
| Vega Baja | PR | 1 | 0 | Unavailable |
| Yauco | PR | 1 | 0 | Unavailable |
| Frederiksted | VI | 1 | 0 | Unavailable |
| St John | VI | 1 | 0 | Unavailable |
| Tortola | Unknown | 1 | 0 | Unavailable |
Branch locations reflect the latest registered FDIC location release, not real-time openings. Deposit footprint, market share, and opening/closing attribution remain unavailable until Summary of Deposits time series are published. Merger-related changes are not labeled organic growth.
Workforce and branch productivity
2026-03-31
10b 50b asset cohort · n=104
| Period | FTE | Offices | Assets/FTE | Deposits/FTE | Deposits/office |
|---|---|---|---|---|---|
| 2026-03-31 | 3,184 | 11 | 5,990 | 5,231 | 1,514,079 |
| 2025-12-31 | 3,168 | 11 | 6,033 | 5,279 | 1,520,363 |
| 2025-09-30 | 3,162 | 11 | 6,104 | 5,351 | 1,538,180 |
| 2025-06-30 | 3,123 | 11 | 6,049 | 5,318 | 1,509,892 |
| 2025-03-31 | 3,102 | 11 | 6,158 | 5,440 | 1,534,042 |
| 2024-12-31 | 3,062 | 11 | 6,299 | 5,522 | 1,537,037 |
| 2024-09-30 | 3,093 | 11 | 6,095 | 5,297 | 1,489,361 |
| 2024-06-30 | 3,081 | 11 | 6,126 | 5,375 | 1,505,621 |
| 2024-03-31 | 3,091 | 11 | 6,109 | 5,364 | 1,507,244 |
| 2023-12-31 | 3,122 | 11 | 6,054 | 5,313 | 1,507,822 |
| 2023-09-30 | 3,098 | 11 | 6,000 | 5,323 | 1,499,015 |
| 2023-06-30 | 3,116 | 11 | 6,144 | 5,421 | 1,535,668 |
| 2023-03-31 | 3,099 | 11 | 6,121 | 5,194 | 1,463,200 |
| 2022-12-31 | 3,086 | 11 | 6,036 | 5,245 | 1,471,504 |
| 2022-09-30 | 3,091 | 12 | 5,963 | 5,374 | 1,384,150 |
| 2022-06-30 | 3,082 | 12 | 6,334 | 5,574 | 1,431,657 |
| 2022-03-31 | 3,103 | 13 | 6,420 | 5,599 | 1,336,332 |
| 2021-12-31 | 3,041 | 13 | 6,833 | 5,860 | 1,370,867 |
| 2021-09-30 | 3,036 | 13 | 6,998 | 5,944 | 1,388,047 |
| 2021-06-30 | 3,172 | 13 | 6,734 | 5,716 | 1,394,647 |
| 2021-03-31 | 3,204 | 13 | 6,058 | 5,017 | 1,236,488 |
| 2020-12-31 | 3,328 | 13 | 5,643 | 4,619 | 1,182,494 |
| 2020-09-30 | 3,441 | 13 | 5,418 | 4,433 | 1,173,347 |
| 2020-06-30 | 2,597 | 12 | 5,423 | 4,135 | 894,967 |
| 2020-03-31 | 2,632 | 12 | 4,952 | 3,650 | 800,594 |
| 2019-12-31 | 2,699 | 12 | 4,667 | 3,479 | 782,521 |
| 2019-09-30 | 2,679 | 12 | 4,675 | 3,425 | 764,728 |
| 2019-06-30 | 2,672 | 12 | 4,690 | 3,454 | 769,029 |
| 2019-03-31 | 2,669 | 12 | 4,634 | 3,414 | 759,355 |
| 2018-12-31 | 2,677 | 12 | 4,569 | 3,371 | 752,072 |
| 2018-09-30 | 2,652 | 12 | 4,600 | 3,465 | 765,673 |
| 2018-06-30 | 2,600 | 11 | 4,759 | 3,559 | 841,223 |
| 2018-03-31 | 2,560 | 12 | 4,761 | 3,555 | 758,306 |
| 2017-12-31 | 2,546 | 12 | 4,810 | 3,557 | 754,689 |
| 2017-09-30 | 2,581 | 12 | 4,711 | 3,408 | 733,102 |
| 2017-06-30 | 2,579 | 12 | 4,613 | 3,406 | 731,949 |
| 2017-03-31 | 2,571 | 12 | 4,619 | 3,462 | 741,678 |
| 2016-12-31 | 2,578 | 12 | 4,619 | 3,441 | 739,337 |
| 2016-09-30 | 2,609 | 12 | 4,622 | 3,457 | 751,699 |
| 2016-06-30 | 2,629 | 12 | 4,752 | 3,524 | 772,001 |
| 2016-03-31 | 2,622 | 12 | 4,843 | 3,613 | 789,379 |
FTE and domestic offices are official FDIC financial fields for the same quarter. Merger discontinuities and different consolidation scopes can impair comparisons; unavailable denominators remain unavailable. Peer percentiles describe the covered $10B+ asset cohort, not the full banking system.
Period-matched peer context
Percentiles use 105 verified constituents for the same filing period.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
FIRST BANCORPRSSD 2744894 · 1998-10-01 to current
2020-09-01RSSD 816210 → 510871 · code 1
2015-02-28RSSD 671576 → 510871 · code 50
2015-01-01RSSD 3216884 → 510871 · code 1
2010-06-30RSSD 2834245 → 510871 · code 1
2010-06-30RSSD 3041817 → 510871 · code 1
2009-07-01RSSD 481074 → 510871 · code 1
No reviewed revisions published.
Latest registered batch · retrieved 8/22/2026, 9:55:15 AM · SHA-256 535facd6d1e282ced70a584406f73de4fa9cb234c13954ba9cf7e6de4e0caf89 · source ↗
Put it in context
Use consistent definitions, then verify material findings against the official filing.