Side-by-side · Q2 2026 data
FirstBank Puerto Rico vs Merchants Commercial Bank
Metric by metric
| Measure | FirstBank Puerto Rico | Merchants Commercial Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 65 (stronger) | 58 |
| Loan quality | 70 (stronger) | 41 |
| Earnings | 96 | 96 |
| Funding & liquidity | 47 | 84 (stronger) |
| Problem-loan coverage | 88 (stronger) | 76 |
| Peer percentile | 79th | 34th |
| Total assets | $19.2B | $506.0M |
| Deposits / shares | $16.9B | $393.7M |
| Capital ratio | 11.54% (stronger) | 10.79% |
| Problem loans | 0.90% (stronger) | 1.76% |
| Net charge-offs | 0.56% | -0.00% (stronger) |
| Return on assets | 1.89% | 1.91% (stronger) |
| Loans ÷ deposits | 77.1% | 59.6% (stronger) |
| Uninsured deposits | 47.4% | 29.8% (stronger) |
| Offices | 73 | 2 |
| CFPB complaints (3 yrs) | 247 | — |
| Complaints per $1B deposits | 14.6 | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
FirstBank Puerto Rico has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), FirstBank Puerto Rico leads on 3 and Merchants Commercial Bank on 4. 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.
Where both have branches
- St John, VI