Firstbank Puerto Rico (FDIC #30387): Bank Stress & Real-Estate Credit Exposure

Firstbank Puerto Rico (FDIC Cert #30387): bank stress 53/100, moderate, STABLE over 7 days; parent FIRST BCORP.

Firstbank Puerto Rico (#30387) lends in 28 counties across 2 states; Firstbank Puerto Rico (#30387) reaches 233 ZIP codes: PR 23 counties, 91 ZIPs; Florida 2 counties, 136 ZIPs.

Firstbank Puerto Rico (#30387) largest markets: Miami Dade County, FL (567 branches, 81 ZIPs) (#30387), Broward County, FL (110 branches, 55 ZIPs) (#30387).

Firstbank Puerto Rico (#30387) reports $19.22 billion in total assets; Firstbank Puerto Rico (#30387) equity $1.93 billion (10.0% of Firstbank Puerto Rico (#30387) assets); Firstbank Puerto Rico (#30387) domestic deposits $16.62 billion; Firstbank Puerto Rico (#30387) net income $181.1 million; Firstbank Puerto Rico (#30387) return on assets 1.89%; Firstbank Puerto Rico (#30387) return on equity 18.97%; Firstbank Puerto Rico (#30387) net interest income $449.0 million; Firstbank Puerto Rico (#30387) call report June 30, 2026.

Firstbank Puerto Rico (#30387) noncurrent real-estate loans: none reported; Firstbank Puerto Rico (#30387) residential -0.01%; Firstbank Puerto Rico (#30387) net charge-offs on real estate 1.15%; Firstbank Puerto Rico (#30387) multifamily charge-offs 0.07%; Firstbank Puerto Rico (#30387) residential charge-offs 0.67%.

Firstbank Puerto Rico (#30387) net interest margin 4.90% against an eight-quarter Firstbank Puerto Rico (#30387) average of 4.69% (Firstbank Puerto Rico (#30387) compression -0.21 points); Firstbank Puerto Rico (#30387) real-estate loans 0.2% of equity; Firstbank Puerto Rico (#30387) non-residential real estate 66.9% of equity; Firstbank Puerto Rico (#30387) rate-exposure score 40/100, Firstbank Puerto Rico (#30387) fixed-rate trap 40/100; Firstbank Puerto Rico (#30387) risk type credit driven; Firstbank Puerto Rico (#30387) rate regime rates elevated, Firstbank Puerto Rico (#30387) snapshot October 19, 2026.

Firstbank Puerto Rico (#30387) stress score moved from 53.5 on June 22, 2026 to 52.6 on October 19, 2026; Firstbank Puerto Rico (#30387) ranged 52.6 to 53.5 over 116 snapshots.

Firstbank Puerto Rico (#30387) alerts: 28 counties; top Firstbank Puerto Rico (#30387) alert scores: Frederiksted County, PR 48 (moderate); Aguada County, PR 23 (low); Aguadilla County, PR 23 (low); Arecibo County, PR 23 (low); Bayamon County, PR 23 (low).