Allowance for credit losses - loans held-in-portfolio (Tables)

6 Months Ended

Jun. 30, 2026

Allowance for Credit Loss [Abstract]

Schedule of Changes in the ACL of Loans Held-in-Portfolio and Unfunded Commitments

The following tables present the changes in the ACL of loans held-in-portfolio and unfunded commitments for the quarters and six months

ended June 30, 2026 and 2025.


For the quarter ended June 30, 2026
BPPR
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$4,704	$(635)	$-	$-	$-	$4,069
Commercial real estate Non-owner occupied	48,881	(12,804)	-	(743)	4,845	40,179
Commercial real estate Owner occupied	35,403	(1,917)	-	-	2,063	35,549
Commercial and industrial	179,980	60,213	-	(74,749)	1,343	166,787
Total Commercial	268,968	44,857	-	(75,492)	8,251	246,584
Construction	5,767	(964)	-	-	-	4,803
Mortgage	73,761	(8,187)	2	(28)	4,950	70,498
Leasing	18,588	879	-	(3,342)	1,502	17,627
Consumer
Credit cards	89,376	9,741	-	(17,722)	3,422	84,817
Home equity lines of credit	67	(59)	-	(29)	73	52
Personal	97,457	14,700	-	(18,676)	2,533	96,014
Auto	170,544	(193)	-	(12,772)	6,964	164,543
Other	7,707	964	-	(1,563)	241	7,349
Total Consumer	365,151	25,153	-	(50,762)	13,233	352,775
Total - Loans	$732,235	$61,738	$2	$(129,624)	$27,936	$692,287
Allowance for credit losses - unfunded commitments:
Commercial	$5,390	$1,265	$-	$-	$-	$6,655
Construction	3,291	(213)	-	-	-	3,078
Ending balance - unfunded commitments [1]	$8,681	$1,052	$-	$-	$-	$9,733

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the quarter ended June 30, 2026
Popular U.S.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$15,365	$797	$(1,312)	$-	$14,850
Commercial real estate Non-owner occupied	15,265	366	-	-	15,631
Commercial real estate Owner occupied	15,713	1,238	-	139	17,090
Commercial and industrial	17,496	1,200	(271)	184	18,609
Total Commercial	63,839	3,601	(1,583)	323	66,180
Construction	9,393	164	-	-	9,557
Mortgage	9,863	(870)	(4)	35	9,024
Consumer
Credit Cards	-	1	(1)	-	-
Home equity lines of credit	1,111	154	-	106	1,371
Personal	7,282	359	(1,565)	332	6,408
Other	6	7	(13)	5	5
Total Consumer	8,399	521	(1,579)	443	7,784
Total - Loans	$91,494	$3,416	$(3,166)	$801	$92,545
Allowance for credit losses - unfunded commitments:
Commercial	$1,802	$234	$-	$-	$2,036
Construction	3,939	(907)	-	-	3,032
Consumer	125	10	-	-	135
Ending balance - unfunded commitments [1]	$5,866	$(663)	$-	$-	$5,203

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the quarter ended June 30, 2026
Popular Inc.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$20,069	$162	$-	$(1,312)	$-	$18,919
Commercial real estate Non-owner occupied	64,146	(12,438)	-	(743)	4,845	55,810
Commercial real estate Owner occupied	51,116	(679)	-	-	2,202	52,639
Commercial and industrial	197,476	61,413	-	(75,020)	1,527	185,396
Total Commercial	332,807	48,458	-	(77,075)	8,574	312,764
Construction	15,160	(800)	-	-	-	14,360
Mortgage	83,624	(9,057)	2	(32)	4,985	79,522
Leasing	18,588	879	-	(3,342)	1,502	17,627
Consumer
Credit cards	89,376	9,742	-	(17,723)	3,422	84,817
Home equity lines of credit	1,178	95	-	(29)	179	1,423
Personal	104,739	15,059	-	(20,241)	2,865	102,422
Auto	170,544	(193)	-	(12,772)	6,964	164,543
Other	7,713	971	-	(1,576)	246	7,354
Total Consumer	373,550	25,674	-	(52,341)	13,676	360,559
Total - Loans	$823,729	$65,154	$2	$(132,790)	$28,737	$784,832
Allowance for credit losses - unfunded commitments:
Commercial	$7,192	$1,499	$-	$-	$-	$8,691
Construction	7,230	(1,120)	-	-	-	6,110
Consumer	125	10	-	-	-	135
Ending balance - unfunded commitments [1]	$14,547	$389	$-	$-	$-	$14,936

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2026
BPPR
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$3,871	$196	$-	$-	$2	$4,069
Commercial real estate Non-owner occupied	44,149	3,043	-	(11,874)	4,861	40,179
Commercial real estate Owner occupied	34,722	(1,591)	-	(91)	2,509	35,549
Commercial and industrial	163,877	77,047	-	(77,367)	3,230	166,787
Total Commercial	246,619	78,695	-	(89,332)	10,602	246,584
Construction	4,488	304	-	-	11	4,803
Mortgage	70,674	(7,423)	9	(511)	7,749	70,498
Leasing	18,620	3,416	-	(7,427)	3,018	17,627
Consumer						-
Credit cards	91,124	24,046	-	(36,957)	6,604	84,817
Home equity lines of credit	58	(141)	-	(29)	164	52
Personal	97,804	32,302	-	(39,420)	5,328	96,014
Auto	180,364	2,813	-	(33,922)	15,288	164,543
Other	8,169	1,024	-	(2,310)	466	7,349
Total Consumer	377,519	60,044	-	(112,638)	27,850	352,775
Total - Loans	$717,920	$135,036	$9	$(209,908)	$49,230	$692,287
Allowance for credit losses - unfunded commitments:						-
Commercial	$5,993	$662	$-	$-	$-	$6,655
Construction	2,570	508	-	-	-	3,078
Ending balance - unfunded commitments [1]	$8,563	$1,170	$-	$-	$-	$9,733

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2026
Popular U.S.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$15,474	$688	$(1,312)	$-	$14,850
Commercial real estate Non-owner occupied	14,568	1,063	-	-	15,631
Commercial real estate Owner occupied	13,729	3,107	-	254	17,090
Commercial and industrial	17,057	1,624	(300)	228	18,609
Total Commercial	60,828	6,482	(1,612)	482	66,180
Construction	9,338	219	-	-	9,557
Mortgage	9,880	(915)	(23)	82	9,024
Consumer
Credit Cards	-	1	(1)	-	-
Home equity lines of credit	1,277	(246)	-	340	1,371
Personal	8,808	255	(3,383)	728	6,408
Other	5	11	(26)	15	5
Total Consumer	10,090	21	(3,410)	1,083	7,784
Total - Loans	$90,136	$5,807	$(5,045)	$1,647	$92,545
Allowance for credit losses - unfunded commitments:
Commercial	$1,570	$466	$-	$-	$2,036
Construction	4,161	(1,129)	-	-	3,032
Consumer	144	(9)	-	-	135
Ending balance - unfunded commitments [1]	$5,875	$(672)	$-	$-	$5,203

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2026
Popular Inc.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$19,345	$884	$-	$(1,312)	$2	$18,919
Commercial real estate Non-owner occupied	58,717	4,106	-	(11,874)	4,861	55,810
Commercial real estate Owner occupied	48,451	1,516	-	(91)	2,763	52,639
Commercial and industrial	180,934	78,671	-	(77,667)	3,458	185,396
Total Commercial	307,447	85,177	-	(90,944)	11,084	312,764
Construction	13,826	523	-	-	11	14,360
Mortgage	80,554	(8,338)	9	(534)	7,831	79,522
Leasing	18,620	3,416	-	(7,427)	3,018	17,627
Consumer
Credit cards	91,124	24,047	-	(36,958)	6,604	84,817
Home equity lines of credit	1,335	(387)	-	(29)	504	1,423
Personal	106,612	32,557	-	(42,803)	6,056	102,422
Auto	180,364	2,813	-	(33,922)	15,288	164,543
Other	8,174	1,035	-	(2,336)	481	7,354
Total Consumer	387,609	60,065	-	(116,048)	28,933	360,559
Total - Loans	$808,056	$140,843	$9	$(214,953)	$50,877	$784,832
Allowance for credit losses - unfunded commitments:
Commercial	$7,563	$1,128	$-	$-	$-	$8,691
Construction	6,731	(621)	-	-	-	6,110
Consumer	144	(9)	-	-	-	135
Ending balance - unfunded commitments [1]	$14,438	$498	$-	$-	$-	$14,936

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the quarter ended June 30, 2025
BPPR
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$3,420	$270	$-	$-	$6	$3,696
Commercial real estate Non-owner occupied	42,848	(160)	-	(21)	472	43,139
Commercial real estate Owner occupied	36,019	(1,176)	-	(14)	1,019	35,848
Commercial and industrial	131,407	(6,769)	-	(2,466)	1,030	123,202
Total Commercial	213,694	(7,835)	-	(2,501)	2,527	205,885
Construction	2,719	356	-	-	-	3,075
Mortgage	74,289	(1,752)	-	(550)	2,979	74,966
Leasing	20,206	2,570	-	(3,982)	1,246	20,040
Consumer
Credit cards	96,523	13,094	-	(20,011)	2,700	92,306
Home equity lines of credit	60	(313)	-	-	307	54
Personal	89,786	18,881	-	(19,553)	3,777	92,891
Auto	171,979	16,852	-	(13,418)	6,861	182,274
Other	7,007	1,297	-	(700)	154	7,758
Total Consumer	365,355	49,811	-	(53,682)	13,799	375,283
Total - Loans	$676,263	$43,150	$-	$(60,715)	$20,551	$679,249
Allowance for credit losses - unfunded commitments:
Commercial	$7,445	$(1,569)	$-	$-	$-	$5,876
Construction	1,560	309	-	-	-	1,869
Ending balance - unfunded commitments [1]	$9,005	$(1,260)	$-	$-	$-	$7,745

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the quarter ended June 30, 2025
Popular U.S.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$10,081	$3,567	$(563)	$-	$13,085
Commercial real estate Non-owner occupied	15,453	525	-	-	15,978
Commercial real estate Owner occupied	14,193	(1,016)	(14)	40	13,203
Commercial and industrial	16,422	1,533	(49)	254	18,160
Total Commercial	56,149	4,609	(626)	294	60,426
Construction	6,793	711	-	-	7,504
Mortgage	9,740	437	-	32	10,209
Consumer
Home equity lines of credit	1,550	(799)	(16)	595	1,330
Personal	11,651	1,417	(2,920)	615	10,763
Other	2	14	(13)	1	4
Total Consumer	13,203	632	(2,949)	1,211	12,097
Total - Loans	$85,885	$6,389	$(3,575)	$1,537	$90,236
Allowance for credit losses - unfunded commitments:
Commercial	$1,630	$305	$-	$-	$1,935
Construction	3,492	(203)	-	-	3,289
Consumer	42	42	-	-	84
Ending balance - unfunded commitments [1]	$5,164	$144	$-	$-	$5,308

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the quarter ended June 30, 2025
Popular Inc.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$13,501	$3,837	$-	$(563)	$6	$16,781
Commercial real estate Non-owner occupied	58,301	365	-	(21)	472	59,117
Commercial real estate Owner occupied	50,212	(2,192)	-	(28)	1,059	49,051
Commercial and industrial	147,829	(5,236)	-	(2,515)	1,284	141,362
Total Commercial	269,843	(3,226)	-	(3,127)	2,821	266,311
Construction	9,512	1,067	-	-	-	10,579
Mortgage	84,029	(1,315)	-	(550)	3,011	85,175
Leasing	20,206	2,570	-	(3,982)	1,246	20,040
Consumer
Credit cards	96,523	13,094	-	(20,011)	2,700	92,306
Home equity lines of credit	1,610	(1,112)	-	(16)	902	1,384
Personal	101,437	20,298	-	(22,473)	4,392	103,654
Auto	171,979	16,852	-	(13,418)	6,861	182,274
Other	7,009	1,311	-	(713)	155	7,762
Total Consumer	378,558	50,443	-	(56,631)	15,010	387,380
Total - Loans	$762,148	$49,539	$-	$(64,290)	$22,088	$769,485
Allowance for credit losses - unfunded commitments:
Commercial	$9,075	$(1,264)	$-	$-	$-	$7,811
Construction	5,052	106	-	-	-	5,158
Consumer	42	42	-	-	-	84
Ending balance - unfunded commitments [1]	$14,169	$(1,116)	$-	$-	$-	$13,053

[1]Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2025
BPPR
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$2,783	$905	$-	$-	$8	$3,696
Commercial real estate Non-owner occupied	44,852	(2,759)	-	(86)	1,132	43,139
Commercial real estate Owner occupied	37,355	(2,918)	-	(103)	1,514	35,848
Commercial and industrial	130,136	(7,026)	-	(5,778)	5,870	123,202
Total Commercial	215,126	(11,798)	-	(5,967)	8,524	205,885
Construction	2,743	332	-	-	-	3,075
Mortgage	72,901	(2,870)	9	(985)	5,911	74,966
Leasing	16,419	9,629	-	(8,526)	2,518	20,040
Consumer
Credit cards	99,130	26,916	-	(38,876)	5,136	92,306
Home equity lines of credit	54	(421)	-	(25)	446	54
Personal	91,296	35,709	-	(41,506)	7,392	92,891
Auto	165,995	36,323	-	(34,474)	14,430	182,274
Other	7,002	2,020	-	(1,580)	316	7,758
Total Consumer	363,477	100,547	-	(116,461)	27,720	375,283
Total - Loans	$670,666	$95,840	$9	$(131,939)	$44,673	$679,249
Allowance for credit losses - unfunded commitments:
Commercial	$6,725	$(849)	$-	$-	$-	$5,876
Construction	1,663	206	-	-	-	1,869
Ending balance - unfunded commitments [1]	$8,388	$(643)	$-	$-	$-	$7,745

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2025
Popular U.S.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$6,453	$7,194	$(563)	$1	$13,085
Commercial real estate Non-owner occupied	9,642	6,336	-	-	15,978
Commercial real estate Owner occupied	12,473	193	(26)	563	13,203
Commercial and industrial	15,870	3,010	(1,196)	476	18,160
Total Commercial	44,438	16,733	(1,785)	1,040	60,426
Construction	8,521	(1,017)	-	-	7,504
Mortgage	9,508	484	-	217	10,209
Consumer
Home equity lines of credit	1,449	(935)	(46)	862	1,330
Personal	11,440	3,617	(5,546)	1,252	10,763
Other	2	35	(42)	9	4
Total Consumer	12,891	2,717	(5,634)	2,123	12,097
Total - Loans	$75,358	$18,917	$(7,419)	$3,380	$90,236
Allowance for credit losses - unfunded commitments:
Commercial	$1,662	$273	$-	$-	$1,935
Construction	5,409	(2,120)	-	-	3,289
Consumer	11	73	-	-	84
Ending balance - unfunded commitments [1]	$7,082	$(1,774)	$-	$-	$5,308

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.


For the six months ended June 30, 2025
Popular Inc.
(In thousands)	Beginning Balance	Provision for credit losses (benefit)	Allowance for credit losses - PCD Loans	Charge-offs	Recoveries	Ending Balance
Allowance for credit losses - loans:
Commercial
Commercial multi-family	$9,236	$8,099	$-	$(563)	$9	$16,781
Commercial real estate Non-owner occupied	54,494	3,577	-	(86)	1,132	59,117
Commercial real estate Owner occupied	49,828	(2,725)	-	(129)	2,077	49,051
Commercial and industrial	146,006	(4,016)	-	(6,974)	6,346	141,362
Total Commercial	259,564	4,935	-	(7,752)	9,564	266,311
Construction	11,264	(685)	-	-	-	10,579
Mortgage	82,409	(2,386)	9	(985)	6,128	85,175
Leasing	16,419	9,629	-	(8,526)	2,518	20,040
Consumer
Credit cards	99,130	26,916	-	(38,876)	5,136	92,306
Home equity lines of credit	1,503	(1,356)	-	(71)	1,308	1,384
Personal	102,736	39,326	-	(47,052)	8,644	103,654
Auto	165,995	36,323	-	(34,474)	14,430	182,274
Other	7,004	2,055	-	(1,622)	325	7,762
Total Consumer	376,368	103,264	-	(122,095)	29,843	387,380
Total - Loans	$746,024	$114,757	$9	$(139,358)	$48,053	$769,485
Allowance for credit losses - unfunded commitments:
Commercial	$8,387	$(576)	$-	$-	$-	$7,811
Construction	7,072	(1,914)	-	-	-	5,158
Consumer	11	73	-	-	-	84
Ending balance - unfunded commitments [1]	$15,470	$(2,417)	$-	$-	$-	$13,053

[1] Allowance for credit losses of unfunded commitments is presented as part of Other Liabilities in the Consolidated Statements of Financial Condition.

Schedule of Financing Receivable Modified for Debtors Experiencing Financial Difficulty

The following tables show the amortized cost basis of the loans modified to borrowers experiencing financial difficulties at the end of the

reporting period disaggregated by class of financing receivable and type of concession granted for the quarters and six months ended

June 30, 2026 and 2025. Loans modified to borrowers experiencing financial difficulties that were fully paid down, charged-off or foreclosed

upon by period end are not reported.

Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the quarter ended June 30, 2026


Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
Commercial and industrial	$742	0.01%	$-	-%	$742	0.01%
Mortgage	148	-%	$-	-%	148	-%
Consumer:
Credit cards	222	0.02%	$-	-%	222	0.02%
Personal	876	0.05%	-	-%	876	0.04%
Total	$1,988	0.01%	$-	-%	$1,988	0.01%


Term Extension
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Non-owner occupied	$7,740	0.23%	$-	-%	$7,740	0.14%
CRE Owner occupied	1,453	0.13%	1,397	0.07%	2,850	0.09%
Commercial and industrial	2,654	0.04%	699	0.03%	3,353	0.04%
Mortgage	13,167	0.17%	696	0.06%	13,863	0.16%
Consumer:
Personal	133	0.01%	-	-	133	0.01%
Auto	77	-%	-	-%	77	-%
Total	$25,224	0.09%	$2,792	0.02%	$28,016	0.07%


Other-Than-Insignificant Payment Delays
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Non-owner occupied	$269	0.01%	$-	-%	$269	-%
CRE Owner occupied	7,202	0.62%	-	-%	7,202	0.22%
Commercial and industrial	104,126	1.69%	-	-%	104,126	1.19%
Mortgage	106	-%	-	-%	106	-%
Total	$111,703	0.40%	$-	-%	$111,703	0.28%


Combination - Term Extension and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Owner occupied	$33	-%	$-	-%	$33	-%
Mortgage	2,520	0.03%	329	0.03%	2,849	0.03%
Consumer:					-
Personal	2,372	0.13%	7	0.01%	2,379	0.12%
Auto	80	-%	-	-%	80	-%
Total	$5,005	0.02%	$336	-%	$5,341	0.01%


Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
Commercial and industrial	$878	0.01%	$-	-%	$878	0.01%
Consumer:					-
Credit cards	2,279	0.18%	$-	-%	2,279	0.18%
Total	$3,157	0.01%	$-	-%	$3,157	0.01%

Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the six months ended June 30, 2026


Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
Commercial and industrial	$1,461	0.02%	$-	-%	$1,461	0.02%
Mortgage	222	-%	-	-%	222	-%
Consumer:
Credit cards	287	0.02%	-	-%	287	0.02%
Personal	1,400	0.07%	-	-%	1,400	0.07%
Total	$3,370	0.01%	$-	-%	$3,370	0.01%


Term Extension
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Non-owner occupied	$9,567	0.29%	$-	-%	$9,567	0.17%
CRE Owner occupied	2,778	0.24%	1,397	0.07%	4,175	0.13%
Commercial and industrial	14,769	0.24%	699	0.03%	15,468	0.18%
Mortgage	19,454	0.26%	696	0.06%	20,150	0.23%
Consumer:					-
Personal	235	0.01%	-	-%	235	0.01%
Auto	126	-%	-	-%	126	-%
Total	$46,929	0.17%	$2,792	0.02%	$49,721	0.13%


Other-Than-Insignificant Payment Delays
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Non-owner occupied	$269	0.01%	$-	-%	$269	-%
CRE Owner occupied	18,696	1.62%	-	-%	18,696	0.57%
Commercial and industrial	220,804	3.58%	-	-%	220,804	2.52%
Mortgage	106	-%	-	-%	106	-%
Total	$239,875	0.86%	$-	-%	$239,875	0.60%


Combination - Term Extension and Interest Rate Reduction
(Dollars in thousands)	BPPR		Popular U.S.		Popular, Inc.

	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
CRE Owner occupied	$33	-%	$-	-%	$33	-%
Commercial and industrial	90	-%	-	-%	90	-%
Mortgage	4,706	0.06%	329	0.03%	5,035	0.06%
Consumer:					-
Personal	4,993	0.26%	18	0.03%	5,011	0.26%
Auto	174	-%	-	-%	174	-%
Total	$9,996	0.04%	$347	-%	$10,343	0.03%


Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2026	% of total class of Financing Receivable
Commercial and industrial	$1,047	0.02%	$-	-%	$1,047	0.01%
Consumer:					-
Credit cards	4,575	0.37%	-	-%	4,575	0.37%
Total	$5,622	0.02%	$-	-%	$5,622	0.01%

Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the quarter ended June 30, 2025


Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$837	0.01%	$-	-%	$837	0.01%
Mortgage	69	-%	-	-%	69	-%
Consumer:					-
Credit cards	395	0.03%	-	-%	395	0.03%
Personal	1,159	0.06%	-	-%	1,159	0.06%
Total	$2,460	0.01%	$-	-%	$2,460	0.01%


Term Extension
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
CRE Non-owner occupied	$108	-%	$58,652	2.68%	$58,760	1.06%
CRE Owner occupied	5,308	0.44%	-	-%	5,308	0.18%
Commercial and industrial	5,693	0.10%	-	-%	5,693	0.07%
Mortgage	12,983	0.18%	665	0.05%	13,648	0.16%
Consumer:					-
Personal	260	0.01%	21	0.02%	281	0.01%
Auto	49	-%	-	-%	49	-%
Total	$24,401	0.09%	$59,338	0.52%	$83,739	0.22%


Other-Than-Insignificant Payment Delays
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
CRE Non-owner occupied	$4,436	0.13%	$-	-%	$4,436	0.08%
CRE Owner occupied	8,827	0.73%	-	-%	8,827	0.29%
Commercial and industrial	166,870	2.98%	-	-%	166,870	2.07%
Mortgage	420	0.01%	-	-%	420	-%
Total	$180,553	0.67%	$-	-%	$180,553	0.47%


Combination - Term Extension and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$100	-%	$-	-%	$100	-%
Mortgage	3,936	0.06%	-	-%	3,936	0.05%
Consumer:					-
Personal	3,429	0.19%	73	0.09%	3,502	0.19%
Auto	16	-%	-	-%	16	-%
Total	$7,481	0.03%	$73	-%	$7,554	0.02%


Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$310	0.01%	$-	-%	$310	-%
Consumer:					$-
Credit cards	2,293	0.19%	-	-%	2,293	0.19%
Total	$2,603	0.01%	$-	-%	$2,603	0.01%

Loan Modifications Made to Borrowers Experiencing Financial Difficulty for the six months ended June 30, 2025


Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$2,048	0.04%	$-	-%	$2,048	0.03%
Mortgage	69	-%	-	-%	69	-%
Consumer:					-
Credit cards	542	0.04%	-	-%	542	0.04%
Personal	2,280	0.13%	-	-%	2,280	0.12%
Other	5	-%	-	-%	5	-%
Total	$4,944	0.02%	$-	-%	$4,944	0.01%


Term Extension
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
CRE Non-owner occupied	$108	-%	$58,652	2.68%	$58,760	1.06%
CRE Owner occupied	5,308	0.44%	-	-%	5,308	0.18%
Commercial and industrial	11,271	0.20%	-	-%	11,271	0.14%
Mortgage	22,922	0.32%	665	0.05%	23,587	0.28%
Consumer:					-
Personal	495	0.03%	21	0.02%	516	0.03%
Auto	87	-%	-	-%	87	-%
Total	$40,191	0.15%	$59,338	0.52%	$99,529	0.26%


Other-Than-Insignificant Payment Delays
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
CRE Non-owner occupied	$4,436	0.13%	$-	-%	$4,436	0.08%
CRE Owner occupied	20,980	1.75%	-	-%	20,980	0.70%
Commercial and industrial	177,506	3.17%	-	-%	177,506	2.21%
Mortgage	420	0.01%	-	-%	420	-%
Total	$203,342	0.76%	$-	-%	$203,342	0.53%


Combination - Term Extension and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$100	-%	$-	-%	$100	-%
Mortgage	7,061	0.10%	-	-%	7,061	0.08%
Consumer:					-
Personal	6,534	0.36%	114	0.14%	6,648	0.35%
Auto	16	-%			16	-%
Total	$13,711	0.05%	$114	-%	$13,825	0.04%


Combination - Other-Than-Insignificant Payment Delays and Interest Rate Reduction
	BPPR		Popular U.S.		Popular, Inc.

(Dollars in thousands)	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable	Amortized Cost Basis at June 30, 2025	% of total class of Financing Receivable
Commercial and industrial	$861	0.02%	$-	-	$861	0.01%
Consumer:
Credit cards	4,867	0.40%	-	-	4,867	0.40%
Total	$5,728	0.02%	$-	-	$5,728	0.02%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulties:


For the quarter ended June 30, 2026

Interest rate reduction
Loan Type	Financial Effect
CRE Owner occupied	Reduced weighted-average contractual interest rate from 10.3% to 9.0%.
Commercial and industrial	Reduced weighted-average contractual interest rate from 18.9% to 8.4%.
Mortgage	Reduced weighted-average contractual interest rate from 7.1% to 5.6%.
Consumer:
Credit cards	Reduced weighted-average contractual interest rate from 20.6% to 8.3%.
Personal	Reduced weighted-average contractual interest rate from 20.3% to 11.4%.
Auto	Reduced weighted-average contractual interest rate from 11.2% to 11.1%.


Term Extension
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 4 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 8 months to the life of loans.
Commercial and industrial	Added a weighted-average of 5 months to the life of loans.
Mortgage	Added a weighted-average of 12 years to the life of loans.
Consumer:
Personal	Added a weighted-average of 5 years to the life of loans.
Auto	Added a weighted-average of 21 months to the life of loans.


Other than insignificant payment delays
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 8 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 11 months to the life of loans.
Commercial and industrial	Added a weighted-average of 16 months to the life of loans.
Mortgage	Added a weighted-average of 28 months to the life of loans.
Consumer:
Credit cards	Added a weighted-average of 17 months to the life of loans.


For the six months ended June 30, 2026

Interest rate reduction
Loan Type	Financial Effect
CRE Owner occupied	Reduced weighted-average contractual interest rate from 10.3% to 9.0%.
Commercial and industrial	Reduced weighted-average contractual interest rate from 20.4% to 8.9%.
Mortgage	Reduced weighted-average contractual interest rate from 7.2% to 5.5%.
Consumer:
Credit cards	Reduced weighted-average contractual interest rate from 20.9% to 8.6%.
Personal	Reduced weighted-average contractual interest rate from 20.1% to 11.7%.
Auto	Reduced weighted-average contractual interest rate from 10.0%% to 9.8%.


Term extension
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 6 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 20 months to the life of loans.
Commercial and industrial	Added a weighted-average of 11 months to the life of loans.
Mortgage	Added a weighted-average of 13 years to the life of loans.
Consumer:
Personal	Added a weighted-average of 4 years to the life of loans.
Auto	Added a weighted-average of 20 months to the life of loans.


Other than insignificant payment delay
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 8 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 11 months to the life of loans.
Commercial and industrial	Added a weighted-average of 11 months to the life of loans.
Mortgage	Added a weighted-average of 28 months to the life of loans.
Consumer:
Credit cards	Added a weighted-average of 17 months to the life of loans.


For the quarter ended June 30, 2025
	Interest rate reduction
Loan Type	Financial Effect
Commercial and industrial	Reduced weighted-average contractual interest rate from 22.7% to 9.9%.
Mortgage	Reduced weighted-average contractual interest rate from 7.0% to 5.4%.
Consumer:
Credit cards	Reduced weighted-average contractual interest rate from 20.8% to 7.9%.
Personal	Reduced weighted-average contractual interest rate from 20.9% to 11.1%.
Other	Reduced weighted-average contractual interest rate from 18.3% to 18.29%.



	Term extension
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 2 years to the life of loans.
CRE Owner occupied	Added a weighted-average of 17 months to the life of loans.
Commercial and industrial	Added a weighted-average of 10 months to the life of loans.
Mortgage	Added a weighted-average of 12 years to the life of loans.
Consumer:
Personal	Added a weighted-average of 5 years to the life of loans.
Auto	Added a weighted-average of 19 months to the life of loans.




	Other than insignificant payment delay
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 13 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 14 months to the life of loans.
Commercial and industrial	Added a weighted-average of 11 months to the life of loans.
Mortgage	Added a weighted-average of 20 months to the life of loans.
Consumer:
Credit cards	Added a weighted-average of 17 months to the life of loans.


For the six months ended June 30, 2025

	Interest rate reduction
Loan Type	Financial Effect
Commercial and industrial	Reduced weighted-average contractual interest rate from 24.3% to 9.7%.
Mortgage	Reduced weighted-average contractual interest rate from 6.8% to 5.5%.
Consumer:
Credit cards	Reduced weighted-average contractual interest rate from 21.0% to 8.2%.
Personal	Reduced weighted-average contractual interest rate from 21.3% to 11.5%.
Auto	Reduced weighted-average contractual interest rate from 18.30% to 18.29%.
Other	Reduced weighted-average contractual interest rate from 18.0% to 0.0%.



	Term extension
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 2 years to the life of loans.
CRE Owner occupied	Added a weighted-average of 17 months to the life of loans.
Commercial and industrial	Added a weighted-average of 17 months to the life of loans.
Mortgage	Added a weighted-average of 13 years to the life of loans.
Consumer:
Personal	Added a weighted-average of 5 years to the life of loans.
Auto	Added a weighted-average of 2 years to the life of loans.



	Other than insignificant payment delay
Loan Type	Financial Effect
CRE Non-owner occupied	Added a weighted-average of 13 months to the life of loans.
CRE Owner occupied	Added a weighted-average of 10 months to the life of loans.
Commercial and industrial	Added a weighted-average of 11 months to the life of loans.
Mortgage	Added a weighted-average of 20 months to the life of loans.
Consumer:
Credit cards	Added a weighted-average of 18 months to the life of loans.

The following tables present, by class, the performance of loans that have been modified during the twelve months preceding June 30,

2026. The past due 90 days or more categories include all loans modified classified as non-accruing at the time of the modification. These

loans will continue in non-accrual status, and presented as past due 90 days or more, until the borrower has demonstrated a willingness

and ability to make the restructured loan payments (at least six months of sustained performance after the modification or one year for loans

providing for quarterly or semi-annual payments) and management has concluded that it is probable that the borrower would not be in

payment default in the foreseeable future.


BPPR
June 30, 2026
							Past Due 90 days or more [1]
			Past due 90	Total past			With Payment	Without
(In thousands)	30-59 days	60-89 days	days or more	due	Current	Total	Default	Payment Default
CRE Non-owner occupied	-	-	2,359	2,359	9,358	11,717	99	2,260
CRE Owner occupied	921	-	2,001	2,922	33,331	36,253	162	1,839
Commercial and industrial	195	66	127,972	128,233	159,582	287,815	81,483	46,489
Mortgage	3,473	1,272	19,131	23,876	25,659	49,535	5,351	13,780
Consumer:
Credit cards	544	433	1,150	2,127	7,032	9,159	869	281
Personal	408	228	1,081	1,717	11,786	13,503	197	884
Auto	31	-	-	31	514	545	-	-
Total	$5,572	$1,999	$153,694	$161,265	$247,262	$408,527	$88,161	$65,533

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.


Popular U.S.
June 30, 2026
							Past Due 90 days or more [1]
			Past due 90	Total past			With Payment	Without
(In thousands)	30-59 days	60-89 days	days or more	due	Current	Total	Default	Payment Default
CRE Owner occupied	-	-	-	-	1,397	1,397	-	-
Commercial and industrial	-	-	-	-	698	698	-	-
Mortgage	-	-	-	-	1,487	1,487	-	-
Consumer:
Personal	-	15	-	15	31	46	-	-
Total	$-	$15	$-	$15	$3,613	$3,628	$-	$-

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.


Popular Inc
June 30, 2026
							Past Due 90 days or more [1]
			Past due 90	Total past			With Payment	Without
(In thousands)	30-59 days	60-89 days	days or more	due	Current	Total	Default	Payment Default
CRE Non-owner occupied	-	-	2,359	2,359	9,358	11,717	99	2,260
CRE Owner occupied	921	-	2,001	2,922	34,728	37,650	162	1,839
Commercial and industrial	195	66	127,972	128,233	160,280	288,513	81,483	46,489
Mortgage	3,473	1,272	19,131	23,876	27,146	51,022	5,351	13,780
Consumer:
Credit cards	544	433	1,150	2,127	7,032	9,159	869	281
Personal	408	243	1,081	1,732	11,817	13,549	197	884
Auto	31	-	-	31	514	545	-	-
Total	$5,572	$2,014	$153,694	$161,280	$250,875	$412,155	$88,161	$65,533

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.

The following tables present, by class, the performance of loans that have been modified during the twelve months preceding June 30,

2025.


BPPR
June 30, 2025
							Past Due 90 days or more [1]
(In thousands)	30-59 days	60-89 days	Past due 90 days or more	Total past due	Current	Total	With Payment Default	Without Payment Default
CRE Non-owner occupied	$-	$-	$556	$556	$4,536	$5,092	$448	$108
CRE Owner occupied	386	-	2,583	2,969	43,635	46,604	429	2,154
Commercial and industrial	291	92	2,325	2,708	215,888	218,596	387	1,938
Mortgage	5,765	2,431	18,854	27,050	31,215	58,265	4,876	13,978
Consumer:
Credit cards	729	539	1,153	2,421	5,851	8,272	882	271
Personal	631	300	2,365	3,296	13,243	16,539	281	2,084
Auto	-	-	-	-	135	135	-	-
Other	-	-	-	-	5	5	-	-
Total	$7,802	$3,362	$27,836	$39,000	$314,508	$353,508	$7,303	$20,533

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.


Popular U.S.
June 30, 2025
							Past Due 90 days or more [1]
(In thousands)	30-59 days	60-89 days	Past due 90 days or more	Total past due	Current	Total	With Payment Default	Without Payment Default
Commercial multi-family	$-	$-	$-	$-	$5,791	$5,791	$-	$-
CRE Owner occupied	-	-	-	-	58,652	58,652	-	-
Commercial and industrial	-	-	-	-	609	609	-	-
Mortgage	-	-	-	-	1,481	1,481	-	-
Consumer:								-
Personal	17	-	-	17	208	225	-	-
Total	$17	$-	$-	$17	$66,741	$66,758	$-	$-

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.


Popular Inc.
June 30, 2025
							Past Due 90 days or more [1]
(In thousands)	30-59 days	60-89 days	Past due 90 days or more	Total past due	Current	Total	With Payment Default	Without Payment Default
Commercial multi-family	$-	$-	$-	$-	$5,791	$5,791	$-	$-
CRE Non-owner occupied	-	-	556	556	63,188	63,744	448	108
CRE Owner occupied	386	-	2,583	2,969	43,635	46,604	429	2,154
Commercial and industrial	291	92	2,325	2,708	216,497	219,205	387	1,938
Mortgage	5,765	2,431	18,854	27,050	32,696	59,746	4,876	13,978
Consumer:								-
Credit cards	729	539	1,153	2,421	5,851	8,272	882	271
Personal	648	300	2,365	3,313	13,451	16,764	281	2,084
Auto	-	-	-	-	135	135	-	-
Other	-	-	-	-	5	5	-	-
Total	$7,819	$3,362	$27,836	$39,017	$381,249	$420,266	$7,303	$20,533

[1] Loans that were in non-accrual status at the time of modification are presented as past due until the borrower has demonstrated a willingness and ability to

make the restructured loan payments. Payment default is defined as a restructured loan becoming 90 days past due after being modified, foreclosed or

charged-off, whichever occurs first. The recorded investment as of period end is inclusive of all partial paydowns and charge-offs since the modification date.

Loans modified with financial difficulty that were fully paid down, charged-off or foreclosed upon by period end are not reported.

Schedule of Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted

The following tables provide the outstanding balance of loans modified for borrowers under financial difficulties that were subject

to payment default and that had been modified during the twelve months prior to default.


Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Quarter Ended June 30, 2026

(In thousands)	Interest Rate Reduction	Term Extension	Other-Than- Insignificant Payment Delays	Combination - Term Extension and Interest Rate Reduction	Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction	Total
CRE Non-owner occupied	-	-	99	-	-	99
CRE Owner occupied	-	-	162	-	-	162
Commercial and industrial	14	46	81,368	95	148	81,671
Mortgage	-	4,386	-	186	-	4,572
Consumer:
Credit cards	120	-	-	-	951	1,071
Personal	71	-	-	206	-	277
Total	$205	$4,432	$81,629	$487	$1,099	$87,852


Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Six Months Ended June 30, 2026

(In thousands)	Interest Rate Reduction	Term Extension	Other-Than- Insignificant Payment Delays	Combination - Term Extension and Interest Rate Reduction	Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction	Total
CRE Non-owner occupied	-	-	99	-	-	99
CRE Owner occupied	-	-	162	-	-	162
Commercial and industrial	14	51	81,368	95	226	81,754
Mortgage	-	9,513	109	791	-	10,413
Consumer:
Credit cards	121	-	-	-	1,334	1,455
Personal	98	-	-	356	-	454
Total	$233	$9,564	$81,738	$1,242	$1,560	$94,337


Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Quarter Ended June 30, 2025

(In thousands)	Interest Rate Reduction	Term Extension	Other-Than- Insignificant Payment Delays	Combination - Term Extension and Interest Rate Reduction	Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction	Total
CRE Non-owner occupied	$-	$-	$448	$-	$-	$448
CRE Owner occupied	-	-	254	-	-	254
Commercial and industrial	70	-	-	-	318	388
Mortgage	-	4,478	-	1,256	-	5,734
Consumer:
Credit cards	172	-	-	-	771	943
Personal	127	105	-	139	-	371
Total	$369	$4,583	$702	$1,395	$1,089	$8,138


Amortized Cost Basis of Modified Financing Receivables That Subsequently Defaulted During the Six Months Ended June 30, 2025

(In thousands)	Interest Rate Reduction	Term Extension	Other-Than- Insignificant Payment Delays	Combination - Term Extension and Interest Rate Reduction	Combination - Other- Than-Insignificant Payment Delays and Interest Rate Reduction	Total
CRE Non-owner occupied	$-	$-	$448	$-	$-	$448
CRE Owner occupied	-	88	429	-	-	517
Commercial and industrial	99	-	30	-	395	524
Mortgage	-	8,129	-	1,411	-	9,540
Consumer:
Credit cards	290	-	-	-	983	1,273
Personal	143	105	-	147	-	395
Total	$532	$8,322	$907	$1,558	$1,378	$12,697

Schedule of Financing Receivable Credit Quality Indicators

The following tables present the amortized cost basis, net of unearned income, of loans held-in-portfolio based on the Corporation’s

assignment of obligor risk ratings as defined at June 30, 2026 and December 31, 2025 and the gross write-offs recorded by vintage year.

For the definitions of the obligor risk ratings, refer to the Credit Quality section of Note 8 to the Consolidated Financial Statements included

in the 2025 Form 10-K:


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2022	Prior Years	Revolving Loans Amortized Cost Basis		Total
BPPR
Commercial:
Commercial multi-family
Pass	$46,794	$10,903	$32,123	$36,492	$129,945	$65,162	$-	$-	$321,419
Watch	-	-	15,620	-	514	4,117	-	-	20,251
Special Mention	151	218	-	-	-	187	-	-	556
Substandard	-	-	-	-	-	3,733	-	-	3,733
Total commercial multi-family	$46,945	$11,121	$47,743	$36,492	$130,459	$73,199	$-	$-	$345,959
Commercial real estate non-owner occupied
Pass	$110,185	$438,963	$415,760	$247,109	$754,226	$1,079,537	$10,471	$-	$3,056,251
Watch	20,857	22,246	5,320	40,637	2,840	74,966	1,264	-	168,130
Special Mention	-	2,182	-	864	138	40,433	-	-	43,617
Substandard	285	-	721	8,337	17,340	26,174	240	-	53,097
Total commercial real estate non-owner occupied	$131,327	$463,391	$421,801	$296,947	$774,544	$1,221,110	$11,975	$-	$3,321,095
Year-to-Date gross write-offs	$-	$-	$-	$-	$11,131	$743	$-	$-	$11,874
Commercial real estate owner occupied
Pass	$93,386	$155,620	$112,479	$46,443	$67,391	$374,339	$3,851	$-	$853,509
Watch	955	6,135	23,460	6,576	33,902	87,268	1,200	-	159,496
Special Mention	1,165	-	2,807	1,325	3,508	13,540	1,500	-	23,845
Substandard	6,438	9,896	1,855	1,798	18,074	79,954	1,464	-	119,479
Doubtful	-	71	-	-	220	61	-	-	352
Total commercial real estate owner occupied	$101,944	$171,722	$140,601	$56,142	$123,095	$555,162	$8,015	$-	$1,156,681
Year-to-Date gross write-offs	$1	$-	$-	$-	$-	$90	$-	$-	$91
Commercial and industrial
Pass	$833,415	$1,257,835	$567,707	$390,120	$391,512	$484,216	$1,390,944	$-	$5,315,749
Watch	15,541	41,381	90,813	17,181	31,572	15,776	201,104	-	413,368
Special Mention	2,933	17,628	29,036	1,103	1,749	2,234	17,634	-	72,317
Substandard	9,646	37,287	7,435	54,186	88,617	17,179	147,284	-	361,634
Total commercial and industrial	$861,535	$1,354,131	$694,991	$462,590	$513,450	$519,405	$1,756,966	$-	$6,163,068
Year-to-Date gross write-offs	$637	$532	$677	$207	$32	$71,350	$3,932	$-	$77,367
Construction
Pass	$10,894	$40,870	$128,453	$54,747	$-	$11,747	$94,267	$-	$340,978
Watch	-	2,006	47,633	31,122	4,315	-	(204)	-	84,872
Total construction	$10,894	$42,876	$176,086	$85,869	$4,315	$11,747	$94,063	$-	$425,850
Mortgage
Pass	$430,389	$995,416	$843,681	$651,505	$371,625	$4,167,857	$-	$-	$7,460,473
Substandard	-	178	1,150	3,096	2,844	61,809	-	-	69,077
Total mortgage	$430,389	$995,594	$844,831	$654,601	$374,469	$4,229,666	$-	$-	$7,529,550
Year-to-Date gross write-offs	$-	$4	$-	$-	$-	$507	$-	$-	$511


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2022	Prior Years	Revolving Loans Amortized Cost Basis		Total
BPPR
Leasing
Pass	$348,900	$561,420	$460,808	$296,553	$200,206	$92,965	$-	$-	$1,960,852
Substandard	100	718	1,806	1,701	1,934	924	-	-	7,183
Total leasing	$349,000	$562,138	$462,614	$298,254	$202,140	$93,889	$-	$-	$1,968,035
Year-to-Date gross write-offs	$84	$1,789	$1,935	$1,749	$1,408	$462	$-	$-	$7,427
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$1,214,642	$-	$1,214,642
Substandard	-	-	-	-	-	-	23,355	-	23,355
Loss	-	-	-	-	-	-	13	-	13
Total credit cards	$-	$-	$-	$-	$-	$-	$1,238,010	$-	$1,238,010
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$36,957	$-	$36,957
HELOCs
Pass	$-	$-	$-	$-	$-	$-	$1,852	$-	$1,852
Total HELOCs	$-	$-	$-	$-	$-	$-	$1,852	$-	$1,852
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$29	$-	$29
Personal
Pass	$493,599	$665,081	$305,603	$189,902	$92,698	$100,307	$-	$31,586	$1,878,776
Substandard	39	2,633	2,786	2,219	1,180	6,149	-	1,793	16,799
Loss	-	76	132	96	51	44	-	45	444
Total Personal	$493,638	$667,790	$308,521	$192,217	$93,929	$106,500	$-	$33,424	$1,896,019
Year-to-Date gross write-offs	$60	$8,086	$8,877	$8,859	$3,879	$8,047	$-	$1,612	$39,420
Auto
Pass	$570,260	$1,021,269	$865,716	$594,559	$377,339	$297,223	$-	$-	$3,726,366
Substandard	368	6,376	11,005	9,064	6,953	6,489	-	-	40,255
Loss	-	-	12	-	11	4	-	-	27
Total Auto	$570,628	$1,027,645	$876,733	$603,623	$384,303	$303,716	$-	$-	$3,766,648
Year-to-Date gross write-offs	$603	$9,305	$11,182	$8,032	$3,535	$1,265	$-	$-	$33,922
Other consumer
Pass	$14,468	$30,799	$18,708	$14,362	$13,833	$4,231	$63,788	$-	$160,189
Substandard	-	-	9	2,208	29	133	325	-	2,704
Loss	-	-	-	-	478	698	-	-	1,176
Total Other	$14,468	$30,799	$18,717	$16,570	$14,340	$5,062	$64,113	$-	$164,069
Year-to-Date gross write-offs	$5	$204	$78	$99	$750	$1,174	$-	$-	$2,310
Total BPPR	$3,010,768	$5,327,207	$3,992,638	$2,703,305	$2,615,044	$7,119,456	$3,174,994	$33,424	$27,976,836


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2022	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular U.S.
Commercial:
Commercial multi-family
Pass	$116,473	$349,918	$135,871	$118,088	$375,232	$697,833	$10,382	$-	$1,803,797
Watch	-	-	3,362	20,301	68,195	128,590	-	-	220,448
Special Mention	-	-	-	2,367	792	2,041	-	-	5,200
Substandard	-	-	-	1,767	-	22,253	-	-	24,020
Total commercial multi-family	$116,473	$349,918	$139,233	$142,523	$444,219	$850,717	$10,382	$-	$2,053,465
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$1,312	$-	$-	$1,312
Commercial real estate non-owner occupied
Pass	$228,594	$227,975	$99,780	$326,105	$423,793	$715,031	$82,643	$-	$2,103,921
Watch	-	-	-	5,280	14,926	44,353	-	-	64,559
Special Mention	-	-	-	-	-	1,874	-	-	1,874
Substandard	-	278	3,236	-	6,792	119,120	-	-	129,426
Total commercial real estate non-owner occupied	$228,594	$228,253	$103,016	$331,385	$445,511	$880,378	$82,643	$-	$2,299,780
Commercial real estate owner occupied
Pass	$392,667	$552,975	$213,412	$144,436	$184,942	$346,123	$6,286	$-	$1,840,841
Watch	3,600	1,767	29,615	50,989	25,045	40,767	500	-	152,283
Special Mention	-	-	17,655	-	-	16,405	-	-	34,060
Substandard	-	8,376	3,181	-	1,908	59,372	-	-	72,837
Total commercial real estate owner occupied	$396,267	$563,118	$263,863	$195,425	$211,895	$462,667	$6,786	$-	$2,100,021
Commercial and industrial
Pass	$44,505	$317,273	$360,230	$237,935	$268,559	$759,633	$356,445	$-	$2,344,580
Watch	1,490	159	4,549	28,295	50,474	131,662	28,751	-	245,380
Special Mention	-	-	-	5,342	698	289	5	-	6,334
Substandard	1,021	-	5,256	1,115	3,665	1,372	2,293	-	14,722
Total commercial and industrial	$47,016	$317,432	$370,035	$272,687	$323,396	$892,956	$387,494	$-	$2,611,016
Year-to-Date gross write-offs	$-	$-	$-	$258	$-	$2	$40	$-	$300
Construction
Pass	$156,957	$423,431	$374,817	$178,279	$60,026	$-	$12,490	$-	$1,206,000
Watch	-	13,621	15,725	27,844	26,748	-	-	-	83,938
Substandard	-	-	7,684	-	8,603	-	-	-	16,287
Total construction	$156,957	$437,052	$398,226	$206,123	$95,377	$-	$12,490	$-	$1,306,225
Mortgage
Pass	$2,458	$93,331	$71,055	$77,077	$201,560	$795,070	$-	$-	$1,240,551
Substandard	-	-	-	644	-	9,589	-	-	10,233
Total mortgage	$2,458	$93,331	$71,055	$77,721	$201,560	$804,659	$-	$-	$1,250,784
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$23	$-	$-	$23


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2022	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular U.S.
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$(13)	$-	$(13)
Total credit cards	$-	$-	$-	$-	$-	$-	$(13)	$-	$(13)
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$1	$-	$1
HELOCs
Pass	$-	$-	$-	$-	$-	$4,664	$67,087	$8,434	$80,185
Substandard	-	-	-	-	-	1,168	10	1,398	2,576
Loss	-	-	-	-	-	39	-	705	744
Total HELOCs	$-	$-	$-	$-	$-	$5,871	$67,097	$10,537	$83,505
Personal
Pass	$7,594	$14,376	$13,961	$8,551	$9,095	$2,378	$-	$-	$55,955
Substandard	30	185	42	151	95	248	-	-	751
Total Personal	$7,624	$14,561	$14,003	$8,702	$9,190	$2,626	$-	$-	$56,706
Year-to-Date gross write-offs	$30	$518	$1,053	$837	$339	$606	$-	$-	$3,383
Other consumer
Pass	$-	$-	$-	$-	$-	$-	$11,537	$-	$11,537
Total Other consumer	$-	$-	$-	$-	$-	$-	$11,537	$-	$11,537
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$26	$-	$26
Total Popular U.S.	$955,389	$2,003,665	$1,359,431	$1,234,566	$1,731,148	$3,899,874	$578,416	$10,537	$11,773,026


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Commercial:
Commercial multi-family
Pass	$163,267	$360,821	$167,994	$154,580	$505,177	$762,995	$10,382	$-	$2,125,216
Watch	-	-	18,982	20,301	68,709	132,707	-	-	240,699
Special Mention	151	218	-	2,367	792	2,228	-	-	5,756
Substandard	-	-	-	1,767	-	25,986	-	-	27,753
Total commercial multi-family	$163,418	$361,039	$186,976	$179,015	$574,678	$923,916	$10,382	$-	$2,399,424
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$1,312	$-	$-	$1,312
Commercial real estate non-owner occupied
Pass	$338,779	$666,938	$515,540	$573,214	$1,178,019	$1,794,568	$93,114	$-	$5,160,172
Watch	20,857	22,246	5,320	45,917	17,766	119,319	1,264	-	232,689
Special Mention	-	2,182	-	864	138	42,307	-	-	45,491
Substandard	285	278	3,957	8,337	24,132	145,294	240	-	182,523
Total commercial real estate non-owner occupied	$359,921	$691,644	$524,817	$628,332	$1,220,055	$2,101,488	$94,618	$-	$5,620,875
Year-to-Date gross write-offs	$-	$-	$-	$-	$11,131	$743	$-	$-	$11,874
Commercial real estate owner occupied
Pass	$486,053	$708,595	$325,891	$190,879	$252,333	$720,462	$10,137	$-	$2,694,350
Watch	4,555	7,902	53,075	57,565	58,947	128,035	1,700	-	311,779
Special Mention	1,165	-	20,462	1,325	3,508	29,945	1,500	-	57,905
Substandard	6,438	18,272	5,036	1,798	19,982	139,326	1,464	-	192,316
Doubtful	-	71	-	-	220	61	-	-	352
Total commercial real estate owner occupied	$498,211	$734,840	$404,464	$251,567	$334,990	$1,017,829	$14,801	$-	$3,256,702
Year-to-Date gross write-offs	$1	$-	$-	$-	$-	$90	$-	$-	$91
Commercial and industrial
Pass	$877,920	$1,575,108	$927,937	$628,055	$660,071	$1,243,849	$1,747,389	$-	$7,660,329
Watch	17,031	41,540	95,362	45,476	82,046	147,438	229,855	-	658,748
Special Mention	2,933	17,628	29,036	6,445	2,447	2,523	17,639	-	78,651
Substandard	10,667	37,287	12,691	55,301	92,282	18,551	149,577	-	376,356
Total commercial and industrial	$908,551	$1,671,563	$1,065,026	$735,277	$836,846	$1,412,361	$2,144,460	$-	$8,774,084
Year-to-Date gross write-offs	$637	$532	$677	$465	$32	$71,352	$3,972	$-	$77,667


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Construction
Pass	$167,851	$464,301	$503,270	$233,026	$60,026	$11,747	$106,757	$-	$1,546,978
Watch	-	15,627	63,358	58,966	31,063	-	(204)	-	168,810
Substandard	-	-	7,684	-	8,603	-	-	-	16,287
Total construction	$167,851	$479,928	$574,312	$291,992	$99,692	$11,747	$106,553	$-	$1,732,075
Mortgage
Pass	$432,847	$1,088,747	$914,736	$728,582	$573,185	$4,962,927	$-	$-	$8,701,024
Substandard	-	178	1,150	3,740	2,844	71,398	-	-	79,310
Total mortgage	$432,847	$1,088,925	$915,886	$732,322	$576,029	$5,034,325	$-	$-	$8,780,334
Year-to-Date gross write-offs	$-	$4	$-	$-	$-	$530	$-	$-	$534
Leasing
Pass	$348,900	$561,420	$460,808	$296,553	$200,206	$92,965	$-	$-	$1,960,852
Substandard	100	718	1,806	1,701	1,934	924	-	-	7,183
Total leasing	$349,000	$562,138	$462,614	$298,254	$202,140	$93,889	$-	$-	$1,968,035
Year-to-Date gross write-offs	$84	$1,789	$1,935	$1,749	$1,408	$462	$-	$-	$7,427


June 30, 2026
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2026	2025	2024	2023	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$1,214,629	$-	$1,214,629
Substandard	-	-	-	-	-	-	23,355	-	23,355
Loss	-	-	-	-	-	-	13	-	13
Total credit cards	$-	$-	$-	$-	$-	$-	$1,237,997	$-	$1,237,997
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$36,958	$-	$36,958
HELOCs
Pass	$-	$-	$-	$-	$-	$4,664	$68,939	$8,434	$82,037
Substandard	-	-	-	-	-	1,168	10	1,398	2,576
Loss	-	-	-	-	-	39	-	705	744
Total HELOCs	$-	$-	$-	$-	$-	$5,871	$68,949	$10,537	$85,357
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$29	$-	$29
Personal
Pass	$501,193	$679,457	$319,564	$198,453	$101,793	$102,685	$-	$31,586	$1,934,731
Substandard	69	2,818	2,828	2,370	1,275	6,397	-	1,793	17,550
Loss	-	76	132	96	51	44	-	45	444
Total Personal	$501,262	$682,351	$322,524	$200,919	$103,119	$109,126	$-	$33,424	$1,952,725
Year-to-Date gross write-offs	$90	$8,604	$9,930	$9,696	$4,218	$8,653	$-	$1,612	$42,803
Auto
Pass	$570,260	$1,021,269	$865,716	$594,559	$377,339	$297,223	$-	$-	$3,726,366
Substandard	368	6,376	11,005	9,064	6,953	6,489	-	-	40,255
Loss	-	-	12	-	11	4	-	-	27
Total Auto	$570,628	$1,027,645	$876,733	$603,623	$384,303	$303,716	$-	$-	$3,766,648
Year-to-Date gross write-offs	$603	$9,305	$11,182	$8,032	$3,535	$1,265	$-	$-	$33,922
Other consumer
Pass	$14,468	$30,799	$18,708	$14,362	$13,833	$4,231	$75,325	$-	$171,726
Substandard	-	-	9	2,208	29	133	325	-	2,704
Loss	-	-	-	-	478	698	-	-	1,176
Total Other consumer	$14,468	$30,799	$18,717	$16,570	$14,340	$5,062	$75,650	$-	$175,606
Year-to-Date gross write-offs	$5	$204	$78	$99	$750	$1,174	$26	$-	$2,336
Total Popular Inc.	$3,966,157	$7,330,872	$5,352,069	$3,937,871	$4,346,192	$11,019,330	$3,753,410	$43,961	$39,749,862


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2021	2020	Prior Years	Revolving Loans Amortized Cost Basis		Total
BPPR
Commercial:
Commercial multi-family
Pass	$12,328	$32,906	$36,473	$131,276	$20,536	$47,303	$107	$-	$280,929
Watch	-	15,795	-	523	-	1,742	-	-	18,060
Special Mention	222	-	-	-	73	127	-	-	422
Substandard	-	-	-	-	-	3,937	-	-	3,937
Total commercial multi-family	$12,550	$48,701	$36,473	$131,799	$20,609	$53,109	$107	$-	$303,348
Commercial real estate non-owner occupied
Pass	$435,616	$447,234	$265,238	$786,465	$484,427	$671,455	$8,480	$-	$3,098,915
Watch	23,801	11,965	43,001	5,140	34,140	69,153	-	-	187,200
Special Mention	933	-	872	144	23,724	18,398	-	-	44,071
Substandard	-	726	8,406	28,490	1,438	25,884	-	-	64,944
Total commercial real estate non-owner occupied	$460,350	$459,925	$317,517	$820,239	$543,729	$784,890	$8,480	$-	$3,395,130
Year-to-Date gross write-offs	$-	$13,356	$-	$134	$-	$86	$-	$-	$13,576
Commercial real estate owner occupied
Pass	$157,288	$113,778	$71,288	$55,715	$169,037	$278,495	$20,468	$-	$866,069
Watch	6,255	26,923	6,348	35,565	29,409	78,046	2,191	-	184,737
Special Mention	-	-	1,494	18,063	726	12,637	1,500	-	34,420
Substandard	9,405	1,879	1,839	19,190	7,386	71,358	-	-	111,057
Doubtful	75	-	-	-	62	173	-	-	310
Total commercial real estate owner occupied	$173,023	$142,580	$80,969	$128,533	$206,620	$440,709	$24,159	$-	$1,196,593
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$363	$-	$-	$363

Commercial and industrial
Pass	$1,357,401	$598,521	$649,249	$442,753	$193,173	$346,563	$1,376,855	$-	$4,964,515
Watch	11,706	92,478	19,194	43,529	6,909	19,218	223,490	-	416,524
Special Mention	4,991	26,356	10,178	6,857	454	4,338	14,957	-	68,131
Substandard	38,422	12,526	48,230	89,771	156,970	15,079	159,854	-	520,852
Doubtful	21	-	-	24	-	6	-	-	51
Total commercial and industrial	$1,412,541	$729,881	$726,851	$582,934	$357,506	$385,204	$1,775,156	$-	$5,970,073
Year-to-Date gross write-offs	$1,587	$716	$1,643	$655	$21	$803	$9,320	$-	$14,745
Construction
Pass	$28,575	$99,963	$70,674	$-	$3,608	$9,692	$52,758	$-	$265,270
Watch	-	43,202	40,231	8,129	-	-	709	-	92,271
Total construction	$28,575	$143,165	$110,905	$8,129	$3,608	$9,692	$53,467	$-	$357,541
Mortgage
Pass	$986,795	$872,826	$683,325	$386,318	$373,153	$3,977,979	$-	$-	$7,280,396
Substandard	-	151	3,115	1,915	764	61,626	-	-	67,571
Total mortgage	$986,795	$872,977	$686,440	$388,233	$373,917	$4,039,605	$-	$-	$7,347,967
Year-to-Date gross write-offs	$31	$-	$1	$-	$-	$1,404	$-	$-	$1,436


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2021	2020	Prior Years	Revolving Loans Amortized Cost Basis		Total
BPPR
Leasing
Pass	$682,378	$535,227	$354,748	$251,520	$135,973	$32,270	$-	$-	$1,992,116
Substandard	601	1,891	2,424	2,249	1,302	585	-	-	9,052
Loss	175	-	22	-	-	-	-	-	197
Total leasing	$683,154	$537,118	$357,194	$253,769	$137,275	$32,855	$-	$-	$2,001,365
Year-to-Date gross write-offs	$990	$4,449	$5,041	$4,541	$1,807	$28	$-	$-	$16,856
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$1,229,201	$-	$1,229,201
Loss	-	-	-	-	-	-	27,526	-	27,526
Substandard	-	-	-	-	-	-	4	-	4
Total credit cards	$-	$-	$-	$-	$-	$-	$1,256,731	$-	$1,256,731
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$75,428	$-	$75,428
HELOCs
Pass	$-	$-	$-	$-	$-	$-	$1,908	$-	$1,908
Total HELOCs	$-	$-	$-	$-	$-	$-	$1,908	$-	$1,908
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$25	$-	$25
Personal
Pass	$842,532	$422,156	$261,441	$132,551	$51,320	$77,214	$-	$29,700	$1,816,914
Substandard	1,452	3,310	3,509	1,632	618	6,654	-	2,278	19,453
Loss		4	7	12	-	12	-	-	35
Total Personal	$843,984	$425,470	$264,957	$134,195	$51,938	$83,880	$-	$31,978	$1,836,402
Year-to-Date gross write-offs	$2,597	$19,480	$33,310	$17,825	$4,576	$2,160	$-	$3,031	$82,979
Auto
Pass	$1,139,411	$995,283	$702,884	$464,005	$314,721	$142,456	$-	$-	$3,758,760
Substandard	3,992	17,559	14,881	11,699	7,590	5,306	-	-	61,027
Loss	-	-	-	-	19	6	-	-	25
Total Auto	$1,143,403	$1,012,842	$717,765	$475,704	$322,330	$147,768	$-	$-	$3,819,812
Year-to-Date gross write-offs	$6,682	$29,448	$20,777	$12,602	$5,203	$1,572	$-	$-	$76,284
Other consumer
Pass	$35,716	$25,008	$20,233	$15,243	$7,179	$1,756	$64,322	$-	$169,457
Substandard	-	45	211	114	20	47	476	-	913
Loss	-	-	-	1,025	363	-	-	-	1,388
Total Other consumer	$35,716	$25,053	$20,444	$16,382	$7,562	$1,803	$64,798	$-	$171,758
Year-to-Date gross write-offs	$64	$226	$286	$254	$358	$1,960	$-	$-	$3,148
Total BPPR	$5,780,091	$4,397,712	$3,319,515	$2,939,917	$2,025,094	$5,979,515	$3,184,806	$31,978	$27,658,628


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2022	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular U.S.
Commercial:
Commercial multi-family
Pass	$349,850	$138,662	$118,143	$380,479	$274,195	$534,623	$4,394	$-	$1,800,346
Watch	-	2,468	21,142	94,135	39,881	151,526	1,249	-	310,401
Special Mention	-	-	2,711	7,840	-	4,560	-	-	15,111
Substandard	-	-	1,775	2,729	-	22,080	-	-	26,584
Total commercial multi-family	$349,850	$141,130	$143,771	$485,183	$314,076	$712,789	$5,643	$-	$2,152,442
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$563	$-	$-	$563
Commercial real estate non-owner occupied
Pass	$216,537	$162,382	$296,653	$467,811	$163,984	$582,004	$6,024	$-	$1,895,395
Watch	10,300	11,369	11,441	15,141	9,333	65,750	500	-	123,834
Special Mention	-	2,069	-	-	-	1,902	-	-	3,971
Substandard	-	-	-	5,973	4,726	114,255	-	-	124,954
Total commercial real estate non-owner occupied	$226,837	$175,820	$308,094	$488,925	$178,043	$763,911	$6,524	$-	$2,148,154
Commercial real estate owner occupied
Pass	$561,716	$198,946	$192,174	$188,536	$180,981	$288,439	$8,803	$-	$1,619,595
Watch	-	48,837	39,519	30,764	12,813	52,010	3,179	-	187,122
Special Mention	-	17,946	-	-	-	10,944	-	-	28,890
Substandard	-	2,705	-	39,474	1,571	77,130	-	-	120,880
Total commercial real estate owner occupied	$561,716	$268,434	$231,693	$258,774	$195,365	$428,523	$11,982	$-	$1,956,487
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$27	$-	$-	$27


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2021	2020	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular U.S.
Commercial and industrial
Pass	$247,703	$357,722	$230,702	$278,950	$249,467	$545,331	$338,026	$-	$2,247,901
Watch	34,700	5,196	47,136	70,767	42,072	151,368	15,650	-	366,889
Special Mention	-	-	4,649	63	284	198	738	-	5,932
Substandard	-	5,546	838	4,145	112	1,393	4,583	-	16,617
Total commercial and industrial	$282,403	$368,464	$283,325	$353,925	$291,935	$698,290	$358,997	$-	$2,637,339
Year-to-Date gross write-offs	$100	$1,106	$483	$-	$599	$25	$132	$-	$2,445
Construction
Pass	$358,475	$427,221	$291,714	$85,385	$-	$6,030	$12,491	$-	$1,181,316
Watch	1,366	15,771	72,580	27,870	-	6,941	-	-	124,528
Special Mention	-	-	2,912	-	-	-	-	-	2,912
Substandard	-	-	-	8,602	-	-	-	-	8,602
Total construction	$359,841	$442,992	$367,206	$121,857	$-	$12,971	$12,491	$-	$1,317,358
Mortgage
Pass	$100,210	$78,166	$79,367	$205,446	$259,877	$564,985	$-	$-	$1,288,051
Substandard	-	-	644	495	217	12,066	-	-	13,422
Total mortgage	$100,210	$78,166	$80,011	$205,941	$260,094	$577,051	$-	$-	$1,301,473


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2022	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular U.S.
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$(14)	$-	$(14)
Total credit cards	$-	$-	$-	$-	$-	$-	$(14)	$-	$(14)
HELOCs
Pass	$-	$-	$-	$-	$-	$5,201	$59,363	$9,422	$73,986
Substandard	-	-	-	-	-	1,276	12	543	1,831
Loss	-	-	-	-	-	139	-	828	967
Total HELOCs	$-	$-	$-	$-	$-	$6,616	$59,375	$10,793	$76,784
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$84	$-	$84
Personal
Pass	$18,658	$17,906	$12,102	$15,593	$3,061	$1,272	$-	$-	$68,592
Substandard	74	329	309	153	55	256	-	-	1,176
Loss	10	-	-	-	-	48	-	-	58
Total Personal	$18,742	$18,235	$12,411	$15,746	$3,116	$1,576	$-	$-	$69,826
Year-to-Date gross write-offs	$37	$1,787	$2,212	$3,420	$638	$46	$-	$-	$8,140
Other consumer
Pass	$-	$-	$-	$-	$-	$-	$9,012	$-	$9,012
Substandard		-	-	-	-	-	1	-	1
Loss	-	-	-	-	-	-	28	-	28
Total Other consumer	$-	$-	$-	$-	$-	$-	$9,041	$-	$9,041
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$924	$-	$924
Total Popular U.S.	$1,899,599	$1,493,241	$1,426,511	$1,930,351	$1,242,629	$3,201,727	$464,039	$10,793	$11,668,890


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2021	2020	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Commercial:
Commercial multi-family
Pass	$362,178	$171,568	$154,616	$511,755	$294,731	$581,926	$4,501	$-	$2,081,275
Watch	-	18,263	21,142	94,658	39,881	153,268	1,249	-	328,461
Special Mention	222	-	2,711	7,840	73	4,687	-	-	15,533
Substandard	-	-	1,775	2,729	-	26,017	-	-	30,521
Total commercial multi-family	$362,400	$189,831	$180,244	$616,982	$334,685	$765,898	$5,750	$-	$2,455,790
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$563	$-	$-	$563
Commercial real estate non-owner occupied
Pass	$652,153	$609,616	$561,891	$1,254,276	$648,411	$1,253,459	$14,504	$-	$4,994,310
Watch	34,101	23,334	54,442	20,281	43,473	134,903	500	-	311,034
Special Mention	933	2,069	872	144	23,724	20,300	-	-	48,042
Substandard	-	726	8,406	34,463	6,164	140,139	-	-	189,898
Total commercial real estate non-owner occupied	$687,187	$635,745	$625,611	$1,309,164	$721,772	$1,548,801	$15,004	$-	$5,543,284
Year-to-Date gross write-offs	$-	$13,356	$-	$134	$-	$86	$-	$-	$13,576
Commercial real estate owner occupied
Pass	$719,004	$312,724	$263,462	$244,251	$350,018	$566,934	$29,271	$-	$2,485,664
Watch	6,255	75,760	45,867	66,329	42,222	130,056	5,370	-	371,859
Special Mention	-	17,946	1,494	18,063	726	23,581	1,500	-	63,310
Substandard	9,405	4,584	1,839	58,664	8,957	148,488	-	-	231,937
Doubtful	75	-	-	-	62	173	-	-	310
Total commercial real estate owner occupied	$734,739	$411,014	$312,662	$387,307	$401,985	$869,232	$36,141	$-	$3,153,080
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$390	$-	$-	$390
Commercial and industrial
Pass	$1,605,104	$956,243	$879,951	$721,703	$442,640	$891,894	$1,714,881	$-	$7,212,416
Watch	46,406	97,674	66,330	114,296	48,981	170,586	239,140	-	783,413
Special Mention	4,991	26,356	14,827	6,920	738	4,536	15,695	-	74,063
Substandard	38,422	18,072	49,068	93,916	157,082	16,472	164,437	-	537,469
Doubtful	21	-	-	24	-	6	-	-	51
Total commercial and industrial	$1,694,944	$1,098,345	$1,010,176	$936,859	$649,441	$1,083,494	$2,134,153	$-	$8,607,412
Year-to-Date gross write-offs	$1,687	$1,822	$2,126	$655	$620	$828	$9,452	$-	$17,190


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2022	2021	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Construction
Pass	$387,050	$527,184	$362,388	$85,385	$3,608	$15,722	$65,249	$-	$1,446,586
Watch	1,366	58,973	112,811	35,999	-	6,941	709	-	216,799
Special Mention	-	-	2,912	-	-	-	-	-	2,912
Substandard	-	-	-	8,602	-	-	-	-	8,602
Total construction	$388,416	$586,157	$478,111	$129,986	$3,608	$22,663	$65,958	$-	$1,674,899
Mortgage
Pass	$1,087,005	$950,992	$762,692	$591,764	$633,030	$4,542,964	$-	$-	$8,568,447
Substandard	-	151	3,759	2,410	981	73,692	-	-	80,993
Total mortgage	$1,087,005	$951,143	$766,451	$594,174	$634,011	$4,616,656	$-	$-	$8,649,440
Year-to-Date gross write-offs	$31	$-	$1	$-	$-	$1,404	$-	$-	$1,436
Leasing
Pass	$682,378	$535,227	$354,748	$251,520	$135,973	$32,270	$-	$-	$1,992,116
Substandard	601	1,891	2,424	2,249	1,302	585	-	-	9,052
Loss	175	-	22	-	-	-	-	-	197
Total leasing	$683,154	$537,118	$357,194	$253,769	$137,275	$32,855	$-	$-	$2,001,365
Year-to-Date gross write-offs	$990	$4,449	$5,041	$4,541	$1,807	$28	$-	$-	$16,856


December 31, 2025
	Term Loans Amortized Cost Basis by Origination Year						Revolving Loans Amortized Cost Basis	Revolving Loans Converted to Term Loans Amortized Cost Basis	Total
(In thousands)	2025	2024	2023	2021	2020	Prior Years	Revolving Loans Amortized Cost Basis		Total
Popular, Inc.
Consumer:
Credit cards
Pass	$-	$-	$-	$-	$-	$-	$1,229,187	$-	$1,229,187
Substandard	-	-	-	-	-	-	27,526	-	27,526
Loss	-	-	-	-	-	-	4	-	4
Total credit cards	$-	$-	$-	$-	$-	$-	$1,256,717	$-	$1,256,717
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$75,428	$-	$75,428
HELOCs
Pass	$-	$-	$-	$-	$-	$5,201	$61,271	$9,422	$75,894
Substandard	-	-	-	-	-	1,276	12	543	1,831
Loss	-	-	-	-	-	139	-	828	967
Total HELOCs	$-	$-	$-	$-	$-	$6,616	$61,283	$10,793	$78,692
Year-to-Date gross write-offs	$-	$-	$-	$-	$-	$-	$109	$-	$109
Personal
Pass	$861,190	$440,062	$273,543	$148,144	$54,381	$78,486	$-	$29,700	$1,885,506
Substandard	1,526	3,639	3,818	1,785	673	6,910	-	2,278	20,629
Loss	10	4	7	12	-	60	-	-	93
Total Personal	$862,726	$443,705	$277,368	$149,941	$55,054	$85,456	$-	$31,978	$1,906,228
Year-to-Date gross write-offs	$2,634	$21,267	$35,522	$21,245	$5,214	$2,206	$-	$3,031	$91,119
Auto
Pass	$1,139,411	$995,283	$702,884	$464,005	$314,721	$142,456	$-	$-	$3,758,760
Substandard	3,992	17,559	14,881	11,699	7,590	5,306	-	-	61,027
Loss	-	-	-	-	19	6	-	-	25
Total Auto	$1,143,403	$1,012,842	$717,765	$475,704	$322,330	$147,768	$-	$-	$3,819,812
Year-to-Date gross write-offs	$6,682	$29,448	$20,777	$12,602	$5,203	$1,572	$-	$-	$76,284
Other consumer
Pass	$35,716	$25,008	$20,233	$15,243	$7,179	$1,756	$73,334	$-	$178,469
Substandard	-	45	211	114	20	47	477	-	914
Loss	-	-	-	1,025	363	-	28	-	1,416
Total Other consumer	$35,716	$25,053	$20,444	$16,382	$7,562	$1,803	$73,839	$-	$180,799
Year-to-Date gross write-offs	$64	$226	$286	$254	$358	$1,960	$924	$-	$4,072
Total Popular Inc.	$7,679,690	$5,890,953	$4,746,026	$4,870,268	$3,267,723	$9,181,242	$3,648,845	$42,771	$39,327,518