Institute of Statistics launches banking performance dashboard
The Puerto Rico Institute of Statistics has launched a new interactive dashboard that provides a historical analysis of banking performance on the island, offering data from 2001 through the first quarter of 2025.
Available on the institute’s website, the tool compiles financial indicators for institutions regulated by the Federal Deposit Insurance Corp., or FDIC. It features 18 key metrics grouped into two categories: performance ratios and condition ratios. Each is presented as a ratio — a numerical relationship between two variables — to allow standardized comparisons over time and institutions.
Among the performance ratios included are yield on earning assets, cost of funding earning assets, net interest margin, noninterest income to average assets, noninterest expense to average assets, return on assets (ROA), return on equity (ROE), loan and lease loss provision to net charge-offs, and earning coverage of net loan charge-offs.
Condition ratios featured in the dashboard include earning assets to total assets, loss allowance to noncurrent loans and leases, noncurrent loans to loans, net loans and leases to deposits, net loans and leases to core deposits, leverage (core capital) ratio, common equity Tier 1 capital ratio, Tier 1 risk-based capital ratio, and total risk-based capital ratio.
To add context, the dashboard displays the industry average for each indicator, allowing users to compare individual institutions against broader sector trends.
“One of the fundamental contributions of this dashboard is the consolidation of a long and continuous historical series, which allows the identification of structural trends and cycles in the banking industry,” said Ronald G. Hernández-Maldonado, statistical project manager at the Institute.
“This long-term perspective is essential to understand the evolution of Puerto Rico’s financial environment and to support more robust economic analysis,” he said.
