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DEPOSITS
 9 Months Ended
Sep. 30, 2025
DEPOSITS [Abstract]  
DEPOSITS
NOTE 7 – DEPOSITS
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following table summarizes deposit balances as of the indicated dates:
September 30, 2025
December 31, 2024
(In thousands)
Type of account:
Non-interest-bearing deposit accounts
$
5,374,894
$
5,547,538
Interest-bearing checking accounts
3,853,088
4,308,116
Interest-bearing saving accounts
3,509,500
3,530,382
Time deposits
3,495,256
3,007,144
Brokered CDs
628,309
478,118
 
Total
$
16,861,047
$
16,871,298
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following
 
table presents
 
the remaining
 
contractual maturities
 
of time
 
deposits, including
 
brokered
 
CDs, as
 
of September
 
30,
2025:
Total
 
(In thousands)
Three months or less
$
926,437
Over three months to six months
1,046,103
Over six months to one year
1,178,021
Over one year to two years
 
677,310
Over two years to three years
 
163,890
Over three years to four years
 
69,905
Over four years to five years
 
40,619
Over five years
21,280
 
Total
$
4,123,565
Total
 
Puerto
 
Rico
 
and
 
U.S.
 
time
 
deposits
 
with
 
balances
 
of
 
more
 
than
 
$250,000
 
amounted
 
to
 
$
1.8
 
billion
 
and
 
$
1.5
 
billion
 
as
 
of
September 30, 2025
 
and December 31,
 
2024, respectively.
 
This amount does
 
not include brokered
 
CDs that are generally
 
participated
out by brokers in shares
 
of less than the FDIC insurance
 
limit. As of September 30,
 
2025 and December 31, 2024,
 
unamortized broker
placement
 
fees
 
amounted
 
to
 
$
1.0
 
million
 
and
 
$
1.1
 
million,
 
respectively,
 
which
 
are
 
amortized
 
over
 
the
 
contractual
 
maturity
 
of
 
the
brokered CDs under the interest method.