Side-by-side · Q2 2026 data
Banco Popular de Puerto Rico vs Merchants Commercial Bank
Metric by metric
| Measure | Banco Popular de Puerto Rico | Merchants Commercial Bank |
|---|---|---|
| TellerScore | 42 | 67 (stronger) |
| Capital cushion | 25 | 58 (stronger) |
| Loan quality | 20 | 41 (stronger) |
| Earnings | 75 | 96 (stronger) |
| Funding & liquidity | 51 | 84 (stronger) |
| Problem-loan coverage | 70 | 76 (stronger) |
| Peer percentile | 7th | 34th |
| Total assets | $63.3B | $506.0M |
| Deposits / shares | $58.7B | $393.7M |
| Capital ratio | 7.53% | 10.79% (stronger) |
| Problem loans | 2.40% | 1.76% (stronger) |
| Net charge-offs | 1.16% | -0.00% (stronger) |
| Return on assets | 1.38% | 1.91% (stronger) |
| Loans ÷ deposits | 46.4% (stronger) | 59.6% |
| Uninsured deposits | 59.2% | 29.8% (stronger) |
| Offices | 158 | 2 |
| CFPB complaints (3 yrs) | 511 | — |
| Complaints per $1B deposits | 8.7 | — |
| Mortgage denial rate (HMDA) | 23.8% | — |
Merchants Commercial Bank has the higher TellerScore (67 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Banco Popular de Puerto Rico leads on 1 and Merchants Commercial Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.