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  <xsd:element id="fbp_FinancingReceivableCumulativeNumberOfLoansProcessedForPaymentDeferralsSinceCOVID19" name="FinancingReceivableCumulativeNumberOfLoansProcessedForPaymentDeferralsSinceCOVID19" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_FinancingReceivableIncludingForeclosedRealEstate" name="FinancingReceivableIncludingForeclosedRealEstate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_FinancingReceivableNumberOfSBAPaycheckProtectionProgramLoansApproved" name="FinancingReceivableNumberOfSBAPaycheckProtectionProgramLoansApproved" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_FinancingReceivablePurchasedCreditImpaired" name="FinancingReceivablePurchasedCreditImpaired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_FinancingReceivableTroubledDebtRestructuringDeferralPeriodForPaymentDeferrals" name="FinancingReceivableTroubledDebtRestructuringDeferralPeriodForPaymentDeferrals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_FirstBancorp2014EquityPlanMember" name="FirstBancorp2014EquityPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_FirstBancorpPlansMember" name="FirstBancorpPlansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_ForeclosedRealEstateMeasurementInput" name="ForeclosedRealEstateMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_ImpairedFinancingReceivableValuedAtPresentValueRecordedInvestment" name="ImpairedFinancingReceivableValuedAtPresentValueRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_ImpairedLoansMeasurementInput" name="ImpairedLoansMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_ImpairedLoansValuedAtPresentValueMeasurementInput" name="ImpairedLoansValuedAtPresentValueMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_IncreaseInNetDeferredLoanCosts" name="IncreaseInNetDeferredLoanCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fbp_InitialRecognitionOfOperatingLeaseLiabilities" name="InitialRecognitionOfOperatingLeaseLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_InitialRecognitionOfOperatingLeaseRightOfUseAssets" name="InitialRecognitionOfOperatingLeaseRightOfUseAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fbp_InterchangeIncomeNet" name="InterchangeIncomeNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_InterestIncomeOnRestructuredLoans" name="InterestIncomeOnRestructuredLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_LesseeNumberOfLeasedProperties" name="LesseeNumberOfLeasedProperties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fbp_LoanDiscountAccretion" name="LoanDiscountAccretion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_LoansExcludingPurchasedCreditImpairedLoansMember" name="LoansExcludingPurchasedCreditImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_LoansHeldForSaleSBA" name="LoansHeldForSaleSBA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fbp_LoansReceivableAbstract" name="LoansReceivableAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_LoansWithAllowanceRecordedAbstract" name="LoansWithAllowanceRecordedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_LoansWithNoRelatedAllowanceRecordedAbstract" name="LoansWithNoRelatedAllowanceRecordedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_LongTermRestrictedStockMember" name="LongTermRestrictedStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_NonEmployeeDirectorAwardsMember" name="NonEmployeeDirectorAwardsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_NonaccrualFinancingReceivableMember" name="NonaccrualFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_NoninterestIncomeInScopeOfRevenueFromContractsWithCustomers" name="NoninterestIncomeInScopeOfRevenueFromContractsWithCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_NoninterestIncomeOutOfScopeOfTopic606" name="NoninterestIncomeOutOfScopeOfTopic606" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_NoninterestIncomeTableTextBlock" name="NoninterestIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_OriginationOfPreSoldMortgageLoansInProcessOfSettlement" name="OriginationOfPreSoldMortgageLoansInProcessOfSettlement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_OriginationOfSBALoansForSale" name="OriginationOfSBALoansForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_OtherOperatingGainsLosses" name="OtherOperatingGainsLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_OtherPurchaseAccountingAccretionAndAmortizationNet" name="OtherPurchaseAccountingAccretionAndAmortizationNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_OtherServiceChargesCommissionsAndFees" name="OtherServiceChargesCommissionsAndFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_OtherServiceChargesCommissionsAndFeesAbstract" name="OtherServiceChargesCommissionsAndFeesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_PaymentOfTaxesRelatedToStockWithheld" name="PaymentOfTaxesRelatedToStockWithheld" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_PaymentsThatExceededTheInitialCarryingAmountOnPurchasedImpairedLoans" name="PaymentsThatExceededTheInitialCarryingAmountOnPurchasedImpairedLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_PaymentsThatExceededTheInitialCarryingAmountOnPurchasedImpairedLoansPortionRecordedAsRecovery" name="PaymentsThatExceededTheInitialCarryingAmountOnPurchasedImpairedLoansPortionRecordedAsRecovery" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_PaymentstoProceedsfromAcquireFederalReserveStockandFederalHomeLoanBankStock" name="PaymentstoProceedsfromAcquireFederalReserveStockandFederalHomeLoanBankStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_PreSoldMortgagesInProcessOfSettlement" name="PreSoldMortgagesInProcessOfSettlement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_PrivateMortgageBackedSecurityFairValue" name="PrivateMortgageBackedSecurityFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_ProceedsFromSalesOfPresoldMortgageLoansInProcessOfSettlement" name="ProceedsFromSalesOfPresoldMortgageLoansInProcessOfSettlement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fbp_ProceedsFromSalesOfSBALoans" name="ProceedsFromSalesOfSBALoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fbp_PuchasedNonImpairedLoansMember" name="PuchasedNonImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_PurchasedCreditImpairedPCILoansAccretableDiscountMember" name="PurchasedCreditImpairedPCILoansAccretableDiscountMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_PurchasedCreditImpairedPCILoansMember" name="PurchasedCreditImpairedPCILoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_PurchasedImpairedLoansMember" name="PurchasedImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_RabbiTrustObligation" name="RabbiTrustObligation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fbp_RabbiTrustObligationMember" name="RabbiTrustObligationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_RecognitionPeriodOneMember" name="RecognitionPeriodOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_RecognitionPeriodTwoMember" name="RecognitionPeriodTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_SBAConsultingFees" name="SBAConsultingFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_SBALoanSaleGains" name="SBALoanSaleGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_SBAPPPloansMember" name="SBAPPPloansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_ScheduleofActivityInPurchasedCreditImpairedLoansTableTextBlock" name="ScheduleofActivityInPurchasedCreditImpairedLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_ServiceChargesOnDepositAccounts" name="ServiceChargesOnDepositAccounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_ServicingAssetatAmortizedCostImpairmentCharge" name="ServicingAssetatAmortizedCostImpairmentCharge" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fbp_ServicingAssetatAmortizedCostRemainingAmortization" name="ServicingAssetatAmortizedCostRemainingAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fbp_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodPerDirector" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodPerDirector" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_ShareBasedCompensationArrangementBySharebasedPaymentAwardNumberOfDirectors" name="ShareBasedCompensationArrangementBySharebasedPaymentAwardNumberOfDirectors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_ShareBasedPaymentArrangementPeriodOfRecognitionAxis" name="ShareBasedPaymentArrangementPeriodOfRecognitionAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_ShareBasedPaymentArrangementPeriodOfRecognitionDomain" name="ShareBasedPaymentArrangementPeriodOfRecognitionDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_SmallBusinessAdministrationGuaranteedPortionMember" name="SmallBusinessAdministrationGuaranteedPortionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_SmallBusinessAdministrationLoanMember" name="SmallBusinessAdministrationLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_SmallBusinessAdministrationLoanSoldPortionMember" name="SmallBusinessAdministrationLoanSoldPortionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_SmallBusinessAdministrationLoansMember" name="SmallBusinessAdministrationLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_SmallBusinessAdministrationUnguaranteedPortionMember" name="SmallBusinessAdministrationUnguaranteedPortionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_StockInDirectorsRabbiTrustMember" name="StockInDirectorsRabbiTrustMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_TroubledDebtRestructuringAccruingMember" name="TroubledDebtRestructuringAccruingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_TroubledDebtRestructuringNonaccrualMember" name="TroubledDebtRestructuringNonaccrualMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_TrustPreferredSecurities2Member" name="TrustPreferredSecurities2Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_TrustPreferredSecurities3Member" name="TrustPreferredSecurities3Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_TrustPreferredSecuritiesMember" name="TrustPreferredSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_UnamortizableIntangibleAssetsAbstract" name="UnamortizableIntangibleAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fbp_ValuationTechniqueAppraisedValueMember" name="ValuationTechniqueAppraisedValueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fbp_VisaIncMember" name="VisaIncMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
