First BanCorp Announces Q2 2026 Financial Results and Hosts Earnings Call

Overview of First BanCorp and Its Banking Operations

First BanCorp., incorporated in Puerto Rico and headquartered in San Juan, is a bank holding company operating primarily through its principal subsidiary, FirstBank Puerto Rico. The company’s common shares trade on the New York Stock Exchange under the symbol FBP. Its executive offices are located at 1519 Ponce de Leon Avenue, San Juan, Puerto Rico. First BanCorp serves as a major financial institution catering to the Puerto Rico market and nearby regions.

The company conducts traditional commercial and retail banking services via FirstBank Puerto Rico, providing financial solutions to individuals, businesses, and other entities within its operational footprint. The quarterly results announcement is part of its routine disclosure to inform investors about its ongoing financial and operational performance throughout the fiscal year.

Details on Q2 2026 Results Announcement

On July 22, 2026, First BanCorp issued a press release presenting its unaudited operational results for the quarter ended June 30, 2026. This comprehensive disclosure outlined the company’s financial performance during Q2 2026. The earnings announcement coincided with the scheduled conference call, enabling investors and market participants to receive detailed results alongside management’s insights simultaneously.

This disclosure followed a prior announcement on June 22, 2026, which provided advance notice of the earnings release date and conference call details. This structured approach enhances transparency for the investor community regarding the company’s quarterly performance and strategic developments. The press release, part of the company’s formal regulatory update, included key financial metrics and operational highlights from the quarter.

Investor Conference Call and Webcast Information

First BanCorp hosted a live conference call on Wednesday, July 22, 2026, at 10:00 a.m. Eastern time to review the financial results for the quarter ending June 30, 2026. Investors and interested parties could participate via multiple access options. The live webcast was available on the company’s investor relations website at www.fbpinvestor.com, offering convenient online access to management’s presentation and the Q&A session.

Telephone participants could dial toll-free at 800-715-9871 or use the international/alternative number 646-307-1963. The participant access code for phone attendees was 1895316. This multi-channel approach reflects investor relations best practices by accommodating both digital and traditional participation preferences for shareholders, analysts, and market observers seeking direct management commentary on quarterly results.

Presentation Materials and Investor Communications

First BanCorp developed a detailed presentation specifically for the Q2 2026 earnings call. These materials were included in the formal regulatory filing to provide investors with visual and analytical support complementing management’s discussion of the quarter’s performance. The presentation supplemented the press release by offering additional context and data for investors seeking a deeper understanding of the results.

The presentation was filed as Exhibit 99.2 within the company’s regulatory disclosures, accessible to all investors via the SEC’s EDGAR system and the company’s investor relations portals. By providing both narrative press releases and comprehensive slide decks, First BanCorp caters to diverse investor preferences for analyzing quarterly financial information. This structured disclosure aligns with standard practices among publicly traded financial institutions.

Regulatory Filings and Corporate Governance

On July 22, 2026, First BanCorp filed a current report disclosing its second quarter 2026 financial results. The filing was executed by Said Ortiz, Executive Vice President and Chief Financial Officer, who certified the authenticity and authorization of the corporate disclosure. This signature authority confirms the legitimacy of the announcement and accompanying materials.

First BanCorp is not classified as an emerging growth company, thus complying fully with SEC disclosure requirements applicable to established public companies. This regulatory status reflects the company’s size, market position, and longevity as a publicly traded entity. The formal filing process, including signature authority and exhibit documentation, demonstrates adherence to SEC regulations governing periodic disclosure of material corporate and financial information.

Financial Reporting and Disclosure Framework

The Q2 2026 results announcement was made under Item 2.02 of Form 8-K, which pertains to results of operations and financial condition. This framework mandates disclosure of material changes in financial performance. First BanCorp’s July 22, 2026, disclosure satisfied this requirement by releasing unaudited quarterly results via both press release and management presentation, providing comprehensive financial data to the investing public.

The unaudited nature of the results reflects interim reporting standards applicable during the fiscal year. These interim disclosures offer investors timely insights into quarterly performance between annual audited statements. First BanCorp’s consistent quarterly reporting enables shareholders and analysts to track financial trends and make informed investment decisions throughout the year.

Context of Puerto Rico Banking Market

Operating within Puerto Rico’s distinct financial market, First BanCorp faces unique economic, regulatory, and competitive conditions. Its primary operations focus on serving the Puerto Rico economy and related financial sectors. FirstBank Puerto Rico, as the flagship subsidiary, positions First BanCorp as a key player in the local financial services industry, serving both individual and institutional clients across the jurisdiction.

The Puerto Rico banking market is governed by specific regulatory oversight and economic factors that differ from mainland U.S. markets. First BanCorp’s quarterly disclosures provide investors insight into operational efficiency, asset quality, profitability, and strategic positioning within this regional banking environment. The results reflect both the broader economic conditions impacting Puerto Rico and management’s execution of banking strategies.

Investor Relations and Shareholder Engagement Strategy

First BanCorp maintains a dedicated investor relations website at www.fbpinvestor.com, offering shareholders and analysts access to corporate disclosures, earnings announcements, conference call recordings, presentations, and other investor resources. This platform underscores the company’s commitment to transparent, accessible communication with its investment community.

The company’s structured earnings announcement process—including scheduled calls, webcast access, and presentation materials—caters to diverse investor preferences and geographic locations. This approach facilitates informed decision-making and supports efficient capital market valuation of First BanCorp’s common stock.

Forward-Looking Statements and Investor Considerations

First BanCorp’s Q2 2026 results and conference call presentation may include forward-looking statements about future financial performance, strategic initiatives, or operational outlook. Investors should recognize that actual outcomes may differ materially due to various business, economic, and market factors. The company’s operating environment in Puerto Rico, competitive banking dynamics, and broader economic conditions all influence its financial trajectory.

Investors are encouraged to monitor subsequent quarterly results, regulatory filings, and management commentary to assess operational trends and strategic progress. Key performance indicators such as profitability, asset quality, capital position, and loan growth are critical for evaluating First BanCorp as a banking investment. The company’s disclosure practices and communication channels provide shareholders with timely access to material corporate developments and financial results between formal earnings announcements.