← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Popular Bank

New York, New York · $15.03B in assets · beside the 11 other New York banks over $10B

The filing

14.4%
Equity / assets
2nd of 8
55.2%
Efficiency
2nd of 8
2.0x
Coverage of noncurrent
2nd of 7

Popular Bank is the tenth largest of the 12 New York banks nearest its size over $10B, with $15.03B in assets at 30 June 2026. Loans are 98.7% of deposits, 9th of 12 against a median of 84.8%, and equity is 14.4% of assets, 2nd of 8. Loans grew +3.4% in the year, 8th of 12, and deposits fell 0.1%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.39% of the book, 4th of 12 against a median of 0.53%; 0.30% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 47.9% of loans, 10th of 12 against a median of 30.7%, and 311% of capital, above the 300% screen, with construction at 74% against the 100% screen.

Return on assets is 0.98%, 4th of 8 against a median of 0.98%, on an efficiency ratio of 55.2%, 2nd of 8. Five years ago it was 1.30%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 18.0% of loans).

The efficiency ratioNY banks over $10B · 30 June 2026 · lower is stronger, listed first
median 60.5% DC Dime Commercial Bank 49.7% PB Popular Bank 55.2% CB Community Bank National Association 58.0% NB NBT Bank National Association 59.2% SN Safra National Bank of New York 61.7% DB Deutsche Bank Trust Co. Americas 63.7% ID Israel Discount Bank of NY 67.1% AB Apple Bank 80.2%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% SN Safra National Bank of New York +24.8% BH Bank Hapoalim Bank M +16.4% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% ID Israel Discount Bank of NY +3.9% PB Popular Bank +3.4% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DC Dime Commercial Bank -1.6% DB Deutsche Bank Trust Co. Americas -3.7%

SBA 7(a), FY2008 to FY2026

Popular Bank is the 79th largest 7(a) lender into Florida of 528, with $69M across 484 loans, 0.2% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 300 of its 304 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Orange, CA$13M79th of 2560.2%quiet FY2014
Cook, IL$13M70th of 2820.2%quiet FY2014
Los Angeles, CA$12M114th of 3080.1%quiet FY2014
Salt Lake, UT$12M37th of 1640.4%quiet FY2009
Miami-Dade, FL$12M54th of 2150.3%quiet FY2019
Dallas, TX$9M93rd of 3140.2%quiet FY2009
Orange, FL$9M56th of 2010.4%quiet FY2010
Riverside, CA$8M71st of 2190.2%quiet FY2009
Hillsborough, FL$8M57th of 1950.4%quiet FY2009
Broward, FL$7M67th of 2090.2%quiet FY2011
Queens, NY$7M47th of 1550.4%thin
New York, NY$6M69th of 2080.2%quiet FY2014
San Bernardino, CA$6M88th of 2130.2%quiet FY2009
291 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services325$84M19.7%0.11%162nd of 2,596
Retail trade336$63M14.7%0.10%154th of 2,589
Health care & social assistance220$49M11.5%0.10%136th of 2,172
Other services298$48M11.3%0.14%122nd of 2,248
Manufacturing159$34M7.9%0.09%207th of 2,246
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Popular Bank
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans PB Popular Bank 0.2% $69M · 484 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Popular BankRankCohort median
Total CRE against capital, the 300% screen311%6th of 8239%
Construction against capital, the 100% screen74%8th of 815%
Construction and land development, share of loans11.4%11th of 122.2%
Non-owner-occupied nonfarm nonresidential, share of loans19.1%5th of 818.5%
Total CRE, the guidance definition, share of loans47.9%10th of 1230.7%
CRE growth over 36 months, the third prong+25.7%6th of 10+18.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Safra National Bank of New York$15.69B1.0%61.7%0.00%0.00%0.8%26.4%8.6%
Dime Commercial Bank$15.03B1.0%49.7%0.64%0.34%1.0%84.0%11.3%
Popular Bank$15.03B1.0%55.2%0.39%0.06%0.8%98.7%14.4%
Israel Discount Bank of NY$14.39B0.8%67.1%1.18%0.16%0.9%80.9%10.2%
Bank Hapoalim Bank M$11.04Bno recordno record1.92%no recordno record104.9%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Popular BankCohort median
20212026Change20212026Change
Loans$7.92B$11.77B+49%$7.81B$11.53B+48%
Deposits$7.74B$11.93B+54%$9.82B$13.42B+37%
NPA / loans0.47%0.39%-0.08 pts0.60%0.53%-0.07 pts
Efficiency63.0%55.2%-7.8 pts65.7%60.5%-5.2 pts
ROA1.30%0.98%-0.32 pts0.87%0.98%+0.11 pts

This read was prepared for Popular Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Popular Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.popularbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue