---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-247648"
form_type: "8-K"
ticker: "BPOP"
cik: "0000763901"
company_name: "POPULAR, INC."
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:37:47.332031+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Popular posts Q3 net income $211.3M, EPS $3.15; NPLs surge $190.6M

## Summary
- Net income of $211.3M ($3.15 EPS) vs $210.4M ($3.09 EPS) in Q2 2025; net interest income up $15M to $646.5M.
- Non-performing loans surged $190.6M to 1.30% of loans, driven by two large commercial loans totaling $188.4M.
- Net charge-offs increased $15.6M to 0.60% annualized; ACL to NPLs dropped to 156.6% from 246.9%.
- Common dividend raised to $0.75 per share from $0.70; bought back 1,000,862 shares for $119.4M at avg $119.33.
- Deposits down $704M to $66.5B, led by $842M decline in P.R. public deposits; loans grew $502M to $38.7B.

## SEC filing metadata
- accession: 0001193125-25-247648
- form_type: 8-K
- ticker: BPOP
- cik: 0000763901
- company_name: POPULAR, INC.
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/763901/000119312525247648/0001193125-25-247648-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/763901/000119312525247648/d54747d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-247648
- JSON: https://secwatch.observer/filing/0001193125-25-247648.json
- Plain text: https://secwatch.observer/filing/0001193125-25-247648.txt

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