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REGULATORY MATTERS, COMMITMENTS AND CONTINGENCIES (Tables)
 9 Months Ended
Sep. 30, 2025
REGULATORY MATTERS, COMMITMENTS AND CONTINGENCIES [Abstract]  
Regulatory Capital Positions [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Regulatory Requirements
Actual
For Capital Adequacy Purposes
To be Well
 
-Capitalized
Thresholds
 
Amount
Ratio
Amount
Ratio
Amount
Ratio
(Dollars in thousands)
As of September 30, 2025
Total Capital (to Risk-Weighted
 
Assets)
 
First BanCorp.
$
2,399,420
17.93
%
$
1,070,714
8.0
%
N/A
N/A
 
FirstBank
$
2,338,242
17.48
%
$
1,069,894
8.0
%
$
1,337,367
10.0
%
CET1 Capital (to Risk-Weighted Assets)
 
First BanCorp.
$
2,231,390
16.67
%
$
602,277
4.5
%
N/A
N/A
 
FirstBank
$
2,070,339
15.48
%
$
601,815
4.5
%
$
869,289
6.5
%
Tier I Capital (to Risk-Weighted
 
Assets)
 
First BanCorp.
$
2,231,390
16.67
%
$
803,035
6.0
%
N/A
N/A
 
FirstBank
$
2,170,339
16.23
%
$
802,420
6.0
%
$
1,069,894
8.0
%
Leverage ratio
 
First BanCorp.
$
2,231,390
11.52
%
$
774,943
4.0
%
N/A
N/A
 
FirstBank
$
2,170,339
11.20
%
$
775,251
4.0
%
$
969,064
5.0
%
As of December 31, 2024
(1)
Total Capital (to Risk-Weighted
 
Assets)
 
First BanCorp.
$
2,404,581
18.02
%
$
1,067,380
8.0
%
N/A
N/A
 
FirstBank
$
2,369,441
17.76
%
$
1,067,033
8.0
%
$
1,333,791
10.0
%
CET1 Capital (to Risk-Weighted Assets)
 
First BanCorp.
$
2,177,748
16.32
%
$
600,401
4.5
%
N/A
N/A
%
 
FirstBank
$
2,102,512
15.76
%
$
600,206
4.5
%
$
866,964
6.5
%
Tier I Capital (to Risk-Weighted
 
Assets)
 
First BanCorp.
$
2,177,748
16.32
%
$
800,535
6.0
%
N/A
N/A
 
FirstBank
$
2,202,512
16.51
%
$
800,275
6.0
%
$
1,067,033
8.0
%
Leverage ratio
 
First BanCorp.
$
2,177,748
11.07
%
$
786,937
4.0
%
N/A
N/A
 
FirstBank
$
2,202,512
11.20
%
$
786,712
4.0
%
$
983,390
5.0
%
(1)
As of December 31, 2024, capital
 
ratios reflect the delay in the full
 
effect of CECL.
 
The Corporation elected the option provided by
 
the interim final rule issued by
 
the federal banking agencies on March 31,
 
2020, in response to the impact of
COVID-19,
 
to temporarily delay the effects of CECL on regulatory capital during a five-year transition period which ended on January 1, 2025.