---
schema_version: "secwatch.filing_event.v1"
accession: "0001057706-26-000020"
form_type: "8-K"
ticker: "FBP"
cik: "0001057706"
company_name: "FIRST BANCORP /PR/"
filed_at: "2026-07-22T13:32:52+00:00"
generated_at: "2026-07-22T13:34:19.512226+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# First BanCorp Q2 2026 net income $96.1M ($0.62 EPS), up 20% YoY; record adjusted PTPP income $137.5M

## Summary
- Net income $96.1M ($0.62 diluted EPS) vs $80.2M ($0.50) in Q2 2025, up 20% YoY.
- Adjusted pre-tax pre-provision income record $137.5M; net interest margin expanded to 4.87% from 4.75% QoQ.
- Total loan originations $1.7B (+21% YoY); loans grew $168.8M to $13.3B.
- Credit quality: net charge-offs to avg loans 0.49% (down from 0.65% QoQ); NPLs $94.6M (+$6.8M).
- CET1 ratio 16.96%; returned 84% of earnings via dividends ($31M) and buybacks ($50M).

## SEC filing metadata
- accession: 0001057706-26-000020
- form_type: 8-K
- ticker: FBP
- cik: 0001057706
- company_name: FIRST BANCORP /PR/
- filed_at: 2026-07-22T13:32:52+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1057706/000105770626000020/0001057706-26-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1057706/000105770626000020/fbpPRQ22026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001057706-26-000020
- JSON: https://secwatch.observer/filing/0001057706-26-000020.json
- Plain text: https://secwatch.observer/filing/0001057706-26-000020.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.