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Banco Popular De Puerto Rico

IDRSSD: 940311
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2023-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #940311 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

Liquidity:Strong
Securities:Watch
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.52% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.13%.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +5
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -20
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.2%, loans/deposits 44.9%.

Cash / Assets
—
Loans / Deposits
44.90%
Brokered %
0.23%
No watch items at this period.

Securities

WatchQoQ +5
57
Sub-score

Securities profile is deteriorating: securities 32.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.87%
No watch items at this period.

Capitalization

StrongQoQ +1
80
Sub-score

Capital position is strong: Tier 1 RBC 16.90%, leverage 7.63%.

Tier 1 RBC
16.90%
CET1
—
Leverage
7.63%
No watch items at this period.

Asset Quality

StableQoQ -20
63
Sub-score

Asset quality is stable: Adjusted NPL 2.52%, Texas Ratio 11.7%, NCO YTD 0.87%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.87%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
1.13%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.13%.

Reserves

Stable
65
Sub-score

Reserves are stable: ALLL 2.63% of loans, coverage 107.0%, true coverage 69.4%.

ALLL / Loans
2.63%
Coverage
107.0%
True Loss Coverage
69.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:38:36 UTC