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Exhibit 99.1

SAN JUAN, Puerto Rico – (BUSINESS WIRE) – Popular, Inc. (the “Corporation,” “Popular,” “we,” “us,” “our”) (NASDAQ:

BPOP)

Popular, Inc. Announces Second Quarter 2026 Financial Results

FINANCIAL HIGHLIGHTS

($ in millions, except per share information)	Quarters ended
	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
EARNINGS
Net Income	$278	$246	$32	$210	$68
PER SHARE DATA
Basic EPS	$4.35	$3.78	$0.57	$3.09	$1.26
Diluted EPS	$4.35	$3.78	$0.57	$3.09	$1.26
Tangible Book Value / Share (non-GAAP)	$87.94	$84.98	$2.96	$75.41	$12.53
FINANCIAL CONDITION
Total Assets	$78,972	$76,131	$2,841	$76,065	$2,907
Loans Held in Portfolio	$39,750	$39,290	$460	$38,185	$1,565
Deposits	$70,233	$67,611	$2,622	$67,217	$3,016
Borrowings	$1,463	$1,120	$343	$1,414	$48
CREDIT QUALITY
Non-Performing Loans	$413	$458	$(45)	$312	$102
NPL Ratio	1.04%	1.17%	-13 bps	0.82%	22 bps
NCO Ratio	1.05%	0.61%	44 bps	0.45%	60 bps
ACL / Total Loans	1.97%	2.10%	-13 bps	2.02%	-5 bps
ACL / NPLs	190%	180%	10%	247%	(57)%
CAPITAL & LIQUIDITY
Common Equity Tier 1	16.08%	15.92%	16 bps	15.91%	17 bps
Tier 1 Risk-Based Capital	16.13%	15.98%	15 bps	15.96%	17 bps
Total Risk-Based Capital	17.85%	17.71%	14 bps	17.70%	15 bps
Tier 1 Leverage	8.57%	8.60%	-3 bps	8.51%	6 bps
Capital Returned to Shareholders	$174	$204	$(30)	$160	$14
FINANCIAL RATIOS
Net Interest Margin	3.66%	3.66%	0 bps	3.49%	17 bps
NIM (FTE)	4.17%	4.14%	3 bps	3.85%	32 bps
Total Deposit Costs	1.57%	1.56%	1 bps	1.78%	-21 bps
ROTCE (non-GAAP)	17.02%	15.46%	156 bps	13.26%	376 bps
ROA	1.41%	1.29%	12 bps	1.11%	30 bps

The financial information in this earnings release includes non-GAAP financial measures. These measures are intended to supplement, and

should not be considered a substitute for, GAAP results. See the "Non-GAAP Financial Measures" section for additional information; and

Table R - Reconciliation to GAAP Financial Measures. All financial information in this release, including the accompanying tables, is

unaudited.

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CEO COMMENTARY

Javier D. Ferrer, President and Chief Executive Officer, said:

"We are pleased to report another solid quarter. Net income reached $278 million, 13% higher than the first quarter of this

year and 32% higher than the same quarter a year ago. Our results reflect higher net interest income, solid fee generation,

continued balance sheet growth, and strong capital generation. Our ROTCE improved to 17% from 15.5% in the previous

quarter, as we remain focused on delivering sustainable, through-the-cycle shareholder returns."

"We continued to return capital to shareholders during the quarter, repurchasing $125 million of common stock, exhausting

our previous $500 million authorization, and paying our quarterly dividend of $0.75 per share. We also announced additional

capital actions, including a 20% increase in our quarterly dividend to $0.90 per share, subject to Board approval, and a new

$1.0 billion share repurchase authorization."

"At the same time, we continued to advance our strategic priorities – to be the number one bank for our customers, to be

simple and efficient, and to be a top-performing bank. It is most rewarding to see how the organization has embraced our

objectives. A growing number of initiatives are gaining traction simultaneously, and the pace of execution is accelerating."

"With the satisfaction of seeing Popular solid, united, and moving forward with a clear purpose and strategy, I'm announcing

my retirement, effective August 31, 2026. As I begin this next chapter, I look forward to focusing on my health and spending

meaningful time with my family and close friends."

"It has been an honor to serve Popular and work alongside a team so deeply committed to our clients, communities and

shareholders. I am especially grateful to our employees for their support, trust and dedication throughout my years at

Popular. I am proud of what we have accomplished together and the momentum it creates for Popular’s future. I also want to

thank Jorge for his partnership over the years. I know his leadership will guide Popular forward with strength, purpose and

care."

EARNINGS HIGHLIGHTS

	Quarters ended
(Dollars in thousands)	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Net interest income	$693,419	$670,180	$23,239	$631,549	$61,870
Provision for credit losses	65,873	75,886	(10,013)	48,941	16,932
Net interest income after provision for credit losses	627,546	594,294	33,252	582,608	44,938
Non-Interest Income	180,545	165,626	14,919	168,477	12,068
Operating expenses	484,130	467,310	16,820	492,761	(8,631)
Income before income tax	323,961	292,610	31,351	258,324	65,637
Income tax expense	45,747	46,936	(1,189)	47,884	(2,137)
Net income	$278,214	$245,674	$32,540	$210,440	$67,774
Net income per common share-basic	$4.35	$3.78	$0.57	$3.09	$1.26
Net income per common share-diluted	$4.35	$3.78	$0.57	$3.09	$1.26

Significant Events

Leadership Transition

Popular announced today that Javier D. Ferrer will retire as President and Chief Executive Officer of the Corporation

effective August 31, 2026. Jorge J. García, Executive Vice President and Chief Financial Officer of the Corporation, will

succeed Mr. Ferrer as President and Chief Executive Officer effective September 1, 2026. In connection with this

appointment, Lidio V. Soriano, Executive Vice President and Chief Risk Officer, has been named Executive Vice President

and Chief Financial Officer and Luis Sousa, Senior Vice President and head of the Credit Risk Management Division, has

been named Executive Vice President and Chief Risk Officer, effective September 1, 2026.

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Capital Actions

On July 23, 2026, the Corporation announced the following capital actions:

•an increase in the Corporation’s quarterly common stock dividend from $0.75 to $0.90 per share, commencing with

the dividend payable in the fourth quarter of 2026, subject to the approval of the Corporation’s Board of Directors;

and

•a new common stock repurchase authorization of up to $1 billion.

The Corporation’s planned common stock repurchases may be executed in open market transactions, privately negotiated

transactions, block trades or any other manner determined by the Corporation. The Corporation has repurchased

approximately $280 million in common stock to date in 2026 and, as of June 30, 2026, had fully utilized the $500 million

common stock repurchase authorization approved in 2025. The timing, quantity and price of the Corporation's common

stock repurchases will be subject to various factors, including market conditions, the Corporation’s capital position, liquidity

and financial performance, the capital impact of strategic initiatives and tax and regulatory considerations, including

regulatory approvals for subsidiary dividends. The common stock repurchase authorization does not require the Corporation

to acquire a specific dollar amount or number of shares and may be modified, suspended or terminated at any time without

prior notice.

NET INTEREST INCOME (“NII”) AND NET INTEREST MARGIN (“NIM”)

(Dollars in thousands)	Quarters ended
Popular, Inc.	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Net interest income	$693,419	$670,180	$23,239	$631,549	$61,870
Net interest margin	3.66%	3.66%	—	3.49%	17 bps
Net interest margin FTE [1]	4.17%	4.14%	3 bps	3.85%	32 bps
Total deposit costs	1.57%	1.56%	1 bps	1.78%	-21 bps
Core deposit costs (ex. P.R. public deposits)	1.10%	1.09%	1 bps	1.15%	-5 bps
Loan yield FTE [1]	7.53%	7.53%	—	7.50%	3 bps
Money market and investment securities yield FTE [1]	3.69%	3.54%	15 bps	3.50%	19 bps
Banco Popular de Puerto Rico ("BPPR") Segment
Net interest income	$589,922	$567,947	$21,975	$538,475	$51,447
Net interest margin	3.85%	3.85%	—	3.68%	17 bps
Total deposit costs	1.32%	1.31%	1 bps	1.52%	-20 bps
Popular Bank ("PB" or "Popular US") Segment
Net interest income	$113,076	$111,707	$1,369	$102,195	$10,881
Net interest margin	3.17%	3.15%	2 bps	2.93%	24 bps
Total deposit costs	2.73%	2.69%	4 bps	2.95%	-22 bps
[1] Refer to non-GAAP measures section in this earnings release.

Popular, Inc. – Net interest income of $693 million increased $23 million, or 3.5%, from Q1 2026. The increase was

primarily driven by higher income from investment securities, and by higher income on loans driven by commercial loan

growth, as well as one additional day in the quarter. These were partially offset by higher interest expense on deposits,

mainly due to higher average balances of P.R. public deposits, as well as commercial deposits at both banks. Average

earning assets increased by $1.8 billion, driven by U.S. Treasury securities, which increased QoQ by $1.4 billion. Average

interest-bearing deposits increased by $1.8 billion driven by P.R. public deposits which increased $1.1 billion when

compared to Q1 2026 while non-interest bearing demand deposits increased by $167 million.

Net interest margin was unchanged at 3.66%. Deposit costs increased by one basis point to 1.57%. The additional day in

the quarter represented $5 million in incremental income in Q2 2026.

NII fully taxable equivalent ("FTE") and NIM FTE (Non-GAAP)- NII FTE of $789 million increased $31 million, or 4.1%,

from Q1 2026. NIM on a taxable equivalent basis expanded three basis points to 4.17%. Money market and investment

securities yields FTE increased by 15 basis points, mainly driven by purchases and re-investment of maturities into higher

yielding U.S. Treasury securities.

Interest income on a taxable equivalent basis includes interest income on U.S. Treasury securities, certain GNMA securities

and certain loans in BPPR's portfolios, that are tax exempt in Puerto Rico.

Refer to tables D, E and F for more details on the components of NII and NIM on a taxable equivalent basis.

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BPPR Segment – NII of $590 million increased $22 million, or 3.9%, from Q1 2026. Higher NII was driven by a $22 million

or 10 basis points increase in money market and investment securities income, resulting from higher average balances and

investment securities yields and a $9 million increase in loan income, mainly driven by higher average balances in the

commercial, construction and mortgage portfolios. Higher interest expense on deposits of $9 million, mainly due to a $1.1

billion increase in average Puerto Rico public deposit balances and higher commercial deposits. NIM was stable at 3.85%.

Deposit costs increased by one basis point to 1.32%, including the costs of public deposits of 2.61% or five basis points

lower than last quarter.

Popular Bank Segment – NII of $113 million increased $1 million, or 1.2%, from Q1 2026.  The increase was primarily

driven by higher commercial loan income by $4 million and higher yields by seven basis points, attributable to the re-pricing

of commercial loans and new originations carrying higher yields, as well as the impact of one additional day in the quarter,

partially offset by higher interest expense on deposits by $2 million or six basis points attributable to higher costs of

commercial deposits. NIM expanded by two basis points to 3.17%. Deposit costs increased by 4 basis points to 2.73%.

NON-INTEREST INCOME

	Quarters ended
(Dollars in thousands)	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Service charges on deposits	$39,037	$38,766	$271	$38,826	$211
Debit card fees	31,538	30,009	1,529	27,918	3,620
Credit card fees	34,783	32,000	2,783	32,502	2,281
Other fees	12,136	10,861	1,275	11,723	413
Banking fees	$117,494	$111,636	$5,858	$110,969	$6,525
Insurance fees	12,586	12,525	61	12,695	(109)
Brokerage and asset management fees	9,998	10,187	(189)	9,058	940
Trust fees	7,751	7,339	412	6,626	1,125
Asset management and insurance fees	$30,335	$30,051	$284	$28,379	$1,956
Mortgage banking activities	6,267	4,213	2,054	4,872	1,395
Other operating income	26,449	19,726	6,723	24,257	2,192
Non-interest income	$180,545	$165,626	$14,919	$168,477	$12,068

Non-interest income of $181 million increased $15 million or 8% from Q1 2026.

Key drivers: Banking fees increased $6 million to $117 million, driven by credit and debit card fees, which increased by $3

million and $2 million, respectively, supported by strong transaction activity and higher purchase volumes, including from

commercial credit cards. Other operating income increased by $7 million to $26 million, mainly driven by higher income from

investments accounted for under the equity method by $4 million, that benefited from an unrealized gain of $3 million in the

valuation of an investment.

Refer to Table B for further details.

OPERATING EXPENSES

	Quarters ended
(Dollars in thousands)	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Salaries	$134,448	$134,813	$(365)	$132,752	$1,696
Commissions and incentives	39,911	34,903	5,008	40,551	(640)
Profit sharing	10,000	(1,203)	11,203	13,000	(3,000)
Pension, postretirement and other	44,672	47,556	(2,884)	43,052	1,620
Total personnel costs	$229,031	$216,069	$12,962	$229,355	$(324)
Technology and software	90,971	89,139	1,832	84,696	6,275
Professional fees	24,484	25,553	(1,069)	28,108	(3,624)
Business promotion	27,900	22,860	5,040	26,385	1,515
Transactional services	37,266	39,087	(1,821)	37,861	(595)
Net occupancy	27,764	27,299	465	29,140	(1,376)
Other operating expenses	46,714	47,303	(589)	57,216	(10,502)
Operating Expenses	$484,130	$467,310	$16,820	$492,761	$(8,631)

Total operating expenses of $484 million increased $17 million, or 3%, from Q1 2026.

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Key drivers: Total personnel costs increased by $13 million, or 6%, primarily reflecting higher performance-based

compensation, including approximately $10 million related to the employee profit-sharing plan and additional accruals for

short-term incentive compensation by $5 million, both of which are tied to the Corporation’s financial performance. Full-time

equivalent employees were 9,203 as of June 30, 2026, compared to 9,191 as of March 31, 2026.

Business promotion expenses increased $5 million driven by an increase in transaction activity in Q2 2026, tied to our credit

card business rewards program and a benefit in Q1 2026 from the expiration of unclaimed customer rewards points.

For a breakdown of operating expenses by category in the consolidated statement of operations refer to Table B.

INCOME TAXES

For the second quarter of 2026, the Corporation recorded an income tax expense of $46 million, compared to $47 million for

the previous quarter.

The Corporation's effective tax rate ("ETR") is impacted by the composition and source of its taxable income and tax credit

activities. The ETR for the second quarter of 2026 was 14.1%, compared to 16.0% for the previous quarter, mainly driven by

higher exempt income and the impact of other tax benefits, including the purchase of tax credits and income with preferential

tax rates.

CREDIT QUALITY

Credit Quality Metrics

(Dollars in thousands)	Quarters ended
Popular, Inc.	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Provision for credit losses - loan portfolios	$65,154	$75,689	$(10,535)	$49,539	$15,615
Net charge-offs	104,053	60,023	44,030	42,202	61,851
ACL - loans held-in-portfolio	784,832	823,729	(38,897)	769,485	15,347
NCO Ratio	1.05%	0.61%	44 bps	0.45%	60 bps
NPL Ratio	1.04%	1.17%	-13 bps	0.82%	22 bps
Allowance / loans held-in-portfolio	1.97%	2.10%	-13 bps	2.02%	-5 bps
Non-performing assets	546,694	503,797	42,897	357,751	188,943
Non-performing loans held-in-portfolio	413,437	458,117	(44,680)	311,625	101,812
Non-performing loans held-for-sale	83,700	—	83,700	—	83,700
Other real estate owned (“OREO”)	49,557	45,680	3,877	46,126	3,431
Allowance / non-performing loans held-in-portfolio	190%	180%	10%	247%	(57)%
(Dollars in thousands)	Quarters ended
BPPR	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Provision for credit losses - loan portfolios	$61,738	$73,298	$(11,560)	$43,150	$18,588
Net charge-offs	101,688	58,990	42,698	40,164	61,524
Total non-performing loans held-in-portfolio	367,824	420,273	(52,449)	257,648	110,176
ACL - loans held-in-portfolio	692,287	732,235	(39,948)	679,249	13,038
NCO Ratio	1.46%	0.85%	61 bps	0.61%	85 bps
Allowance / loans held-in-portfolio	2.47%	2.65%	-18 bps	2.53%	-6 bps
Allowance / non-performing loans held-in-portfolio	188%	174%	14%	264%	(75)%
(Dollars in thousands)	Quarters ended
Popular U.S.	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Provision for credit losses (benefit) - loan portfolios	$3,416	$2,391	$1,025	$6,389	$(2,973)
Net charge-offs	2,365	1,033	1,332	2,038	327
Total non-performing loans held-in-portfolio	45,613	37,844	7,769	53,977	(8,364)
ACL - loans held-in-portfolio	92,545	91,494	1,051	90,236	2,309
NCO Ratio	0.08%	0.04%	4 bps	0.07%	1 bps
Allowance / loans held-in-portfolio	0.79%	0.79%	0 bps	0.79%	0 bps
Allowance / non-performing loans held-in-portfolio	203%	242%	(39)%	167%	36%

During the second quarter of 2026, the Corporation’s overall credit quality metrics remained stable. The quarter included the

resolution of a significant commercial non-performing relationship, which resulted in a $71 million charge-off and the transfer

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of the remaining $84 million carrying amount to loans held-for-sale. Consumer credit performance continued to improve,

supported by lower losses in the auto portfolio. Commercial NPL inflows increased during the quarter, driven by borrower-

specific issues that management does not view as indicative of broader credit deterioration.

Non-Performing Loans Held-in-Portfolio ("NPLs") and Net Charge Offs ("NCOs")

Total NPLs decreased $45 million to $413 million during Q2 2026. Excluding consumer loans, inflows of NPLs held-in-

portfolio increased $137 million in the second quarter of 2026. The ratio of NPLs to total loans held in the portfolio was

1.04% for the second quarter of 2026, compared to 1.17% for the previous quarter. NCO Ratio of 1.05% increased 44 basis

points when compared to the previous quarter. Excluding the $71 million charge-off, the NCO Ratio was 0.33% for the

quarter.

BPPR segment- NPLs decreased $52 million, primarily driven by a $47 million reduction in commercial NPLs. The decline

reflects the resolution of a $155 million relationship, where our intent to sell resulted in a $71 million charge-off and the

transfer of the remaining $84 million to loans held for sale (“LHFS”). The loan was subsequently sold on July 2, 2026. The

decrease resulting from the reclassification of the loan previously mentioned was partially offset by the inflows to commercial

NPLs of two unrelated commercial and industrial relationships of $129 million in the aggregate. These inflows to commercial

NPLs stemmed from issues specific to the individual borrowers and are not indicative of a broader decline in portfolio credit

quality or the industries in which the borrowers operate. Excluding consumer loans, BPPR segment NPL inflows increased

$123 million compared to the prior quarter. 

NCOs increased $43 million, primarily reflecting the previously mentioned commercial credit resolution, partially offset by a

$10 million improvement in consumer NCOs, mostly due to lower losses in the auto portfolio. NCO Ratio of 1.46%,

increased 61 basis points driven by the $71 million charge off during the quarter.

PB segment- NPLs increased $8 million, primarily driven by commercial NPLs. Excluding consumer loans, inflows to NPLs

increased $14 million compared to the previous quarter. NCO Ratio of 0.08%, increased 4 basis points during the quarter.

Refer to table L for a breakdown of Non-Performing Assets.

Allowance for loan losses ("ACL")

The ACL as of June 30, 2026 amounted to $785 million, a decrease of $39 million when compared to the first quarter of

2026. The decline primarily reflects the resolution of the commercial non-performing credit moved to LHFS, improving

consumer credit performance, and favorable portfolio and macroeconomic developments.

BPPR segment- The ACL decreased by $40 million compared to the previous quarter, mostly driven by a $22 million

decrease in reserves for commercial loans. This decrease was primarily due to the transfer to LHFS of the $155 million NPL

and related charge-off, as well as favorable changes in the credit quality of the portfolio and the macroeconomic scenario,

partially offset by higher reserves associated with NPL inflows during the quarter and loan growth. Additionally, the ACL for

consumer loans decreased by $12 million, primarily in the auto and credit card portfolios, reflecting improvements in credit

quality.

PB segment- The ACL remained stable quarter-over-quarter at $93 million.

Provision for credit losses

Provision for loan losses of $65 million for the second quarter of 2026. The decrease of $10 million compared to the prior

quarter was primarily driven by a lower provision expense in the BPPR segment by $12 million, reflecting improved credit

quality in the consumer portfolio, higher recovery activity, and a more favorable macroeconomic outlook supporting the

mortgage portfolio. These favorable trends were partially offset by higher reserve requirements associated with commercial

NPL inflows during the quarter.

Including the provision for unfunded loan commitments and the provision related to the Corporation’s investment portfolio,

the provision for credit losses for the second quarter was $66 million.

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BALANCE SHEET

	Quarters ended
(In thousands)	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-June-25
Cash and money market investments	$4,920,502	$5,040,621	$(120,119)	$6,741,417	$(1,820,915)
Investment securities	31,264,698	28,943,544	2,321,154	28,283,970	2,980,728
Loans	39,749,862	39,289,702	460,160	38,185,178	1,564,684
Total assets	78,972,300	76,131,018	2,841,282	76,065,090	2,907,210
Deposits	70,233,115	67,611,316	2,621,799	67,217,491	3,015,624
Borrowings	1,462,831	1,119,557	343,274	1,414,494	48,337
Total liabilities	72,539,295	69,819,932	2,719,363	70,111,072	2,428,223
Stockholders’ equity	6,433,005	6,311,086	121,919	5,954,018	478,987

Total assets- Total assets increased $2.8 billion from the first quarter of 2026, primarily driven by an increase of $2.3 billion

in investment securities. Loans held-in-portfolio increased $460 million, mainly due to an increase of $300 million in the

BPPR segment across most portfolios and an increase of $160 million in the PB segment, primarily in commercial loans.

Loans held-for-sale ("LHFS") also increased $83 million, mainly due to the loan reclassified as LHFS during the quarter.

Total liabilities- Total liabilities increased $2.7 billion from the first quarter of 2026, mainly reflecting a $2.6 billion increase in

deposits, including growth in P.R. public deposits of $3.0 billion, coupled with a $325 million increase in short-term

borrowings due to higher FHLB advances at PB. This was partially offset by a $246 million decline in other liabilities,

primarily from lower unsettled U.S. Treasury purchases outstanding at period end.

Stockholders’ equity- Stockholders' equity increased $122 million when compared to the first quarter of 2026, driven by

$278 million of net income and $35 million of amortization of unrealized losses on securities previously reclassified to held-

to- maturity ("HTM"), net of tax, and a favorable variance in foreign currency translation adjustments of $22 million from our

investment in BHD. These increases were partially offset by $125 million of common share repurchases, $49 million in

common and preferred dividends declared, and a $50 million increase in unrealized losses on available-for-sale ("AFS")

securities.

LOANS AND DEPOSITS BY CATEGORY

	Quarter ended 30-Jun-26
(Dollars in thousands)	BPPR	%	PB	%	POPULAR	%
Loans held-in-portfolio:
Commercial multi-family	$345,959	1%	$2,053,465	17%	$2,399,424	6%
Commercial real estate non-owner occupied	3,321,095	12%	2,299,780	20%	5,620,875	14%
Commercial real estate owner occupied	1,156,681	4%	2,100,021	18%	3,256,702	8%
Commercial and industrial	6,163,068	22%	2,611,016	22%	8,774,084	22%
Construction	425,850	2%	1,306,225	11%	1,732,075	4%
Mortgage	7,529,550	27%	1,250,784	11%	8,780,334	22%
Leasing	1,968,035	7%	—	—%	1,968,035	5%
Consumer:
Credit cards	1,238,010	4%	(13)	—%	1,237,997	3%
Home equity lines of credit	1,852	—%	83,505	1%	85,357	—%
Personal	1,896,019	7%	56,706	—%	1,952,725	5%
Auto	3,766,648	13%	—	—%	3,766,648	10%
Other	164,069	1%	11,537	—%	175,606	1%
Total loans held-in-portfolio	$27,976,836	100%	$11,773,026	100%	$39,749,862	100%

The Corporation maintained a diversified loan portfolio at June 30, 2026 with approximately 70% of loan balances in its main

market of Puerto Rico and 54% of our consolidated loan portfolio consisting of real estate-related loans, including residential

mortgage loans, construction loans, commercial multi-family, and commercial loans secured by commercial real estate.

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	Quarter ended 30-Jun-26
(Dollars in thousands)	BPPR	%	PB [2]	%	POPULAR	%
Non-public deposits:
Demand deposits	$13,851,038	24%	$1,428,006	12%	$15,085,454	21%
Savings, NOW and money market deposits (non- brokered)	17,368,199	30%	6,159,751	52%	23,376,410	33%
Savings, NOW and money market deposits (brokered)	79,505	—%	—	—%	79,505	—%
Time deposits (non-brokered)	4,666,304	8%	3,469,908	29%	8,113,712	12%
Time deposits (brokered CDs)	—	—%	873,116	7%	873,116	1%
Total Non-public deposits:	35,965,046	61%	11,930,781	100%	47,528,197
P.R public deposits:
Demand Deposits [1]	11,438,732	19%	—	—%	11,438,732	16%
Savings, NOW and money market deposits (non-brokered)	10,347,936	18%	—	—%	10,347,936	15%
Time deposits (non-brokered)	918,250	2%	—	—%	918,250	1%
Total P.R. public deposits	22,704,918	39%	—	—%	22,704,918	32%
Total deposits	$58,669,964	100%	$11,930,781	100%	$70,233,115	100%
[1] Includes interest bearing demand deposits.
[2] PB deposits include intercompany deposits, which are eliminated at the consolidated level.

Total deposits were $70.2 billion as of the end of Q2 2026, reflecting a diversified funding base across retail, commercial and

public sector.

P.R. public deposits stood at $22.7 billion representing 32% of total deposits. We expect P.R. public deposits to be in the

range of $20-22 billion for the rest of the year.

CAPITAL POSITION

	Quarters ended
(In thousands)	30-Jun-26	31-Mar-26	Δ vs 31-Mar-26	30-Jun-25	Δ vs 30-Jun-25
Capital Position
Common equity per share	$100.38	$97.27	$3.11	$87.31	$13.07
Tangible common book value per common share (non-GAAP) [1]	$87.94	$84.98	$2.96	$75.41	$12.53
Tangible common book value to tangible assets (non-GAAP) [1]	7.18%	7.29%	-11 bps	6.81%	37 bps
Return on average tangible common equity before adjusting for the impact of unrealized (gains) losses on AFS securities including those transferred to HTM (non-GAAP) [1]	20.12%	18.18%	194 bps	14.38%	574 bps
ROTCE (non-GAAP) [1]	17.02%	15.46%	156 bps	13.26%	376 bps
Regulatory Capital
Common Equity Tier 1 capital	16.08%	15.92%	16 bps	15.91%	17 bps
Tier 1 capital	16.13%	15.98%	15 bps	15.96%	17 bps
Total capital	17.85%	17.71%	14 bps	17.70%	15 bps
Tier 1 leverage	8.57%	8.60%	-3 bps	8.51%	6 bps
[1] Refer to Table R for the reconciliation to most comparable GAAP measures.

The Corporation's Common Equity Tier 1 capital ratio was 16.08% at June 30, 2026, higher by 16 basis points when

compared to Q1 2026, which was primarily driven by higher income. Tangible common book value per common share

increased to $87.94, driven by net income partially offset by capital return activity. Common equity per share increased to

$100.38.

Refer to Table A for capital ratios and Table R for a reconciliation of the non-GAAP financial measures presented above to

the most comparable GAAP financial measures.

Capital Actions – During the quarter and six months ended June 30, 2026, Popular repurchased 833,369 shares of

common stock for $125 million at an average price of $150.36 per share and 1,988,767 shares of common stock for $280

million at an average price of $141.04 per share, respectively. Common stock repurchases and dividends on preferred and

common stock combined, represented capital returned to shareholders of $174 million during the quarter and $378 million

for the six months ended June 30, 2026.

ROTCE (non-GAAP) – Return on average tangible common equity, adjusted to add-back unrealized (gains) losses on AFS

securities, including those transferred to HTM (as so adjusted, "ROTCE"), improved to 17.02% in Q2 2026, up from 15.46%

12

in Q1 2026. We believe that adding back the impact of unrealized (gains) losses on AFS securities including those

transferred to HTM to the denominator provides meaningful information about the Corporation’s return on capital.

2026 FULL YEAR OUTLOOK

Metric	Original FY 2026 Guidance	Updated Guidance	Commentary
Net Interest Income	5%-7% increase for the year	8% - 9% increase for the year	Driven by higher volume of P.R. deposits
Non-Interest Income	$160 million-$165 million per quarter	$165 million - $170 million per quarter	Driven by increase in credit and debit card activity
NCOs	55 bps-70 bps annualized	65 bps - 80 bps annualized	Due to YTD commercial charge-offs and NPL inflows
Operating Expenses	3% increase for the year	2% - 3% increase for the year	Guidance includes profit sharing expense
Effective Tax Rate	15%-17% for the year	14% - 15% for the year	Driven by higher exempt income
Loan Growth	3%-4% for the year	Low-end of the guidance range	Driven by consumer loan activity in P.R. and C&I loan sold in Q3 2026

NON-GAAP FINANCIAL MEASURES

This press release contains financial information prepared under accounting principles generally accepted in the United

States (“U.S. GAAP”) and non-GAAP financial measures. Management uses non-GAAP financial measures when it

determines that these measures provide more meaningful information of the underlying performance of the ongoing

operations. Non-GAAP financial measures used by the Corporation may not be comparable to similarly named non-GAAP

financial measures used by other companies. Below are the non-GAAP measures used in this earnings release:

•NII on a fully taxable equivalent (“FTE”) basis – Management believes that this presentation provides

meaningful information since it facilitates the comparison of revenues arising from taxable and tax-exempt sources.

NII FTE is presented with its different components in Tables D and E for the quarter ended June 30, 2026 and F for

the year to date ended June 30, 2026.

•Tangible common equity – The tangible common equity ratio and tangible book value per common share are

commonly used by banks and analysts in conjunction with more traditional bank capital ratios to compare the

capital adequacy of banking organizations with significant amounts of goodwill or other intangible assets, typically

stemming from the use of the purchase accounting method for mergers and acquisitions. Return on average

tangible common equity is also a measure commonly used by banks and analysts to measure the return on that

tangible common equity. We present return on average tangible common equity with and without the impact of

unrealized (gains) losses on AFS securities including those transferred to HTM in the denominator because we

believe that adding back the impact of unrealized (gains) losses on AFS securities including those transferred to

HTM to the denominator provides meaningful information about the Corporation’s return on capital. Unless

otherwise indicated, references to “ROTCE” in this press release means return on average tangible common equity

as adjusted to add back unrealized (gains) losses on AFS securities, including those transferred to HTM. Neither

tangible common equity nor tangible assets or related measures should be used in isolation or as a substitute for

stockholders’ equity, total assets or any other measure calculated in accordance with GAAP.  Refer to Table R for a

reconciliation of total stockholders’ equity to tangible common equity and total assets to tangible assets.

•Adjusted Net Income – Management believes that the “Adjusted net income” provides meaningful information

about the underlying performance of the Corporation’s ongoing operations. There were no adjustments to net

income for the quarter ended June 30, 2026 or March 31 2026.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This press release contains “forward-looking statements” within the meaning of the U.S. Private Securities Litigation Reform

Act of 1995, including without limitation those regarding Popular’s business, financial condition, results of operations, plans,

objectives, outlook and future performance. These statements are not guarantees of future performance, are based on

management’s current expectations and, by their nature, involve risks, uncertainties, estimates and assumptions. Potential

factors, some of which are beyond the Corporation’s control, could cause actual results to differ materially from those

expressed in, or implied by, such forward-looking statements. Risks and uncertainties include, without limitation, the effect of

13

competitive and economic factors, and our reaction to those factors, the adequacy of the allowance for loan losses,

delinquency trends, market risk and the impact of interest rate changes (including on our cost of deposits), our ability to

attract deposits and grow our loan portfolio, capital market conditions, capital adequacy and liquidity, the effect of legal and

regulatory proceedings, the receipt of necessary regulatory approvals, including for dividends by the Corporation’s

subsidiaries, and the timing of those regulatory approvals,  new regulatory requirements or accounting standards on the

Corporation’s financial condition and results of operations, the occurrence of unforeseen or catastrophic events, such as

extreme weather events, pandemics, man-made disasters or acts of violence or war, as well as actions taken by

governmental authorities in response thereto, and the direct and indirect impact of such events on Popular, our customers,

service providers and third parties. Other potential factors include Popular’s ability to successfully execute its transformation

initiative, including, but not limited to, achieving projected earnings, efficiencies and return on tangible common equity and

accurately anticipating costs and expenses associated therewith, our ability to execute capital actions, including with respect

to share repurchases and dividends, the imposition of additional or special FDIC assessments, or increases thereto, the

occurrence of any cyber-security event, changes to regulatory capital, liquidity and resolution-related requirements

applicable to financial institutions, the impact of bank failures or adverse developments at other banks and related negative

media coverage of the banking industry in general on investor and depositor sentiment regarding the stability and liquidity of

banks, and changes in and uncertainty regarding federal funding, tax and trade policies, and rulemaking, supervision,

examination and enforcement priorities of the federal administration. All statements contained herein that are not clearly

historical in nature, are forward-looking, and the words “anticipate,” “believe,” “continues,” “expect,” “estimate,” “intend,”

“project” and similar expressions, and future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,”

“may” or similar expressions, are generally intended to identify forward-looking statements.

More information on the risks and important factors that could affect the Corporation’s future results and financial condition is

included in our Form 10-K for the year ended December 31, 2025, our Form 10-Q for the quarter ended March 31, 2026 

and our Form 10-Q for the quarter ended June 30, 2026 to be filed with the Securities and Exchange Commission. Our

filings are available on the Corporation’s website (www.popular.com) and on the Securities and Exchange Commission

website (www.sec.gov). The Corporation assumes no obligation to update or revise any forward-looking statements or

information which speak as of their respective dates.

ABOUT POPULAR, INC.

Popular, Inc. (NASDAQ: BPOP) is the leading financial institution in Puerto Rico, by both assets and deposits, and ranks

among the top 50 U.S. bank holding companies by assets. Founded in 1893, Banco Popular de Puerto Rico, Popular’s

principal subsidiary, provides retail, mortgage and commercial banking services in Puerto Rico and the U.S. and British

Virgin Islands, as well as auto and equipment leasing and financing in Puerto Rico. Popular also offers broker-dealer and

insurance services in Puerto Rico through specialized subsidiaries. In the mainland United States, Popular provides retail,

mortgage and commercial banking services through its New York-chartered banking subsidiary, Popular Bank, which has

branches located in New York, New Jersey and Florida.

CONFERENCE CALL

Popular will hold a conference call to discuss its financial results today, Wednesday, July 23, 2026 at 11:00 a.m. Eastern

Time. The call will be broadcast live over the Internet and can be accessed through the Investor Relations section of the

Corporation’s website: www.popular.com.

Following the live webcast, a replay will be archived in the investor relations section of Popular’s website.

14

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table A - Selected Ratios and Other Information

Table B - Consolidated Statement of Operations

Table C - Consolidated Statement of Financial Condition

Table D - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP) - QUARTER

Table E - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP) - QUARTER

Table F - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP) - YEAR-TO-DATE

Table G - Mortgage Banking Activities and Other Service Fees

Table H - Consolidated Loans and Deposits

Table I - Loan Delinquency - BPPR Operations

Table J - Loan Delinquency - Popular U.S. Operations

Table K - Loan Delinquency - Consolidated

Table L - Non-Performing Assets

Table M - Activity in Non-Performing Loans

Table N - Allowance for Credit Losses, Net Charge-offs and Related Ratios

Table O - Allowance for Credit Losses ‘‘ACL’’ - Loan Portfolios - BPPR Operations

Table P - Allowance for Credit Losses ‘‘ACL’’ - Loan Portfolios - Popular U.S. Operations

Table Q - Allowance for Credit Losses ‘‘ACL’’ - Loan Portfolios - Consolidated

Table R - Reconciliation to GAAP Financial Measures

15

POPULAR, INC.

Financial Supplement to Second Quarter 2026 Earnings Release

Table A - Selected Ratios and Other Information

(Unaudited)

	Quarters ended			Six months ended
	30-Jun-26	31-Mar-26	30-Jun-25	30-Jun-26	30-Jun-25
Basic EPS	$4.35	$3.78	$3.09	$8.13	$5.64
Diluted EPS	$4.35	$3.78	$3.09	$8.13	$5.64
Average common shares outstanding	63,880,929	64,818,440	68,050,361	64,347,094	68,661,851
Average common shares outstanding - assuming dilution	63,915,634	64,877,543	68,079,649	64,381,799	68,687,659
Common shares outstanding at end of period	63,866,681	64,654,788	67,937,468	63,866,681	67,937,468
Market value per common share	$164.18	$134.17	$110.21	$164.18	$110.21
Market capitalization - (In millions)	$10,486	$8,675	$7,487	$10,486	$7,487
Return on average assets	1.41%	1.29%	1.11%	1.35%	1.04%
Return on average common equity	15.18%	13.76%	11.77%	14.48%	10.93%
Net interest margin (non-taxable equivalent basis)	3.66%	3.66%	3.49%	3.67%	3.45%
Net interest margin (taxable equivalent basis) -non-GAAP	4.17%	4.14%	3.85%	4.16%	3.80%
Common equity per share	$100.38	$97.27	$87.31	$100.38	$87.31
Tangible common book value per common share (non-GAAP) [1]	$87.94	$84.98	$75.41	$87.94	$75.41
Tangible common equity to tangible assets (non-GAAP) [1]	7.18%	7.29%	6.81%	7.18%	6.81%
Return on average tangible common equity [1]	17.02%	15.46%	13.26%	17.02%	12.32%
Tier 1 capital	16.13%	15.98%	15.96%	16.13%	15.96%
Total capital	17.85%	17.71%	17.70%	17.85%	17.70%
Tier 1 leverage	8.57%	8.60%	8.51%	8.57%	8.51%
Common Equity Tier 1 capital	16.08%	15.92%	15.91%	16.08%	15.91%

[1]Refer to Table R for reconciliation to GAAP financial measures.

16

POPULAR, INC.

Financial Supplement to Second Quarter 2026 Earnings Release

Table B - Consolidated Statement of Operations

(Unaudited)

	Quarters ended				Variance Quarter ended				Variance		Six months ended
(In thousands, except per share information)	30-Jun-26		31-Mar-26		Δ vs          31-Mar-26		30-Jun-25		Δ vs          30-Jun-25		30-Jun-26		30-Jun-25
Interest income:
Loans	$714,266		$702,149		$12,117		$684,587		$29,679		$1,416,415		$1,351,260
Money market investments	47,021		44,240		2,781		69,532		(22,511)		91,261		139,698
Investment securities	220,352		200,827		19,525		189,753		30,599		421,179		369,912
Total interest income	981,639		947,216		34,423		943,872		37,767		1,928,855		1,860,870
Interest expense:
Deposits	271,254		259,418		11,836		295,058		(23,804)		530,672		592,921
Short-term borrowings	5,172		5,703		(531)		5,300		(128)		10,875		6,726
Long-term debt	11,794		11,915		(121)		11,965		(171)		23,709		24,077
Total interest expense	288,220		277,036		11,184		312,323		(24,103)		565,256		623,724
Net interest income	693,419		670,180		23,239		631,549		61,870		1,363,599		1,237,146
Provision for credit losses	65,873		75,886		(10,013)		48,941		16,932		141,759		113,022
Net interest income after provision for credit losses	627,546		594,294		33,252		582,608		44,938		1,221,840		1,124,124
Service charges on deposit accounts	39,037		38,766		271		38,826		211		77,803		77,880
Other service fees	108,792		102,921		5,871		100,522		8,270		211,713		195,030
Mortgage banking activities	6,267		4,213		2,054		4,872		1,395		10,480		8,561
Net loss, including impairment, on debt securities	(595)		—		(595)		—		(595)		(595)		—
Net gain, including impairment, on equity securities	2,327		1,029		1,298		1,862		465		3,356		1,448
Net gain on trading account debt securities	214		261		(47)		538		(324)		475		1,058
Adjustments to indemnity reserves on loans sold	394		35		359		120		274		429		293
Other operating income	24,109		18,401		5,708		21,737		2,372		42,510		36,268
Total non-interest income	180,545		165,626		14,919		168,477		12,068		346,171		320,538
Operating expenses:
Personnel costs
Salaries	134,448		134,813		(365)		132,752		1,696		269,261		263,702
Commissions, incentives and other bonuses	39,911		34,903		5,008		40,551		(640)		74,814		78,537
Profit sharing	10,000		(1,203)		11,203		13,000		(3,000)		8,797		13,000
Pension, postretirement and medical insurance	18,773		14,896		3,877		18,458		315		33,669		33,024
Other personnel costs, including payroll taxes	25,899		32,660		(6,761)		24,594		1,305		58,559		53,805
Total personnel costs	229,031		216,069		12,962		229,355		(324)		445,100		442,068
Net occupancy expenses	27,764		27,299		465		29,140		(1,376)		55,063		56,358
Equipment expenses	5,879		5,229		650		5,789		90		11,108		11,091
Other taxes	17,707		17,677		30		18,632		(925)		35,384		37,357
Professional fees	24,484		25,553		(1,069)		28,108		(3,624)		50,037		54,933
Technology and software expenses	90,971		89,139		1,832		84,696		6,275		180,110		168,364
Processing and transactional services
Credit and debit cards	13,236		14,206		(970)		13,044		192		27,442		25,970
Other processing and transactional services	24,030		24,881		(851)		24,817		(787)		48,911		49,672
Total processing and transactional services	37,266		39,087		(1,821)		37,861		(595)		76,353		75,642
Communications	4,261		4,509		(248)		5,010		(749)		8,770		9,914
Business promotion
Rewards and customer loyalty programs	19,600		15,392		4,208		18,047		1,553		34,992		34,412
Other business promotion	8,300		7,468		832		8,338		(38)		15,768		15,648
Total business promotion	27,900		22,860		5,040		26,385		1,515		50,760		50,060
Deposit insurance	9,977		9,917		60		9,407		570		19,894		19,442

17

Other real estate owned (OREO) income	(3,238)		(4,618)		1,380		(4,124)		886		(7,856)		(7,454)
Other operating expenses
Operational losses	3,118		3,975		(857)		6,185		(3,067)		7,093		12,323
All other	8,626		10,230		(1,604)		15,932		(7,306)		18,856		32,693
Total other operating expenses	11,744		14,205		(2,461)		22,117		(10,373)		25,949		45,016
Amortization of intangibles	384		384		—		385		(1)		768		982
Total operating expenses	484,130		467,310		16,820		492,761		(8,631)		951,440		963,773
Income before income tax	323,961		292,610		31,351		258,324		65,637		616,571		480,889
Income tax expense	45,747		46,936		(1,189)		47,884		(2,137)		92,683		92,947
Net income	$278,214		$245,674		$32,540		$210,440		$67,774		$523,888		$387,942
Net income applicable to common stock	$277,861		$245,321		$32,540		$210,087		$67,774		$523,182		$387,236
Net income per common share - basic	$4.35		$3.78		$0.57		$3.09		$1.26		$8.13		$5.64
Net income per common share - diluted	$4.35		$3.78		$0.57		$3.09		$1.26		$8.13		$5.64
Dividends Declared per Common Share	$0.75		$0.75		$—		$0.70		$0.05		$1.50		$1.40

18

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table C - Consolidated Statement of Financial Condition

(Unaudited)

			Quarters ended				Variance
(In thousands)	30-Jun-26		31-Mar-26		30-Jun-25		Δ vs 31-Mar-26
Assets:
Cash and due from banks	$365,013		$384,922		$400,631		$(19,909)
Money market investments	4,555,489		4,655,699		6,340,786		(100,210)
Trading account debt securities, at fair value	31,170		30,449		29,643		721
Debt securities available-for-sale, at fair value	24,792,834		21,733,269		20,490,212		3,059,565
Debt securities held-to-maturity, at amortized cost	6,204,020		6,962,659		7,541,724		(758,639)
Less: Allowance for credit losses	6,230		5,900		5,999		330
Debt securities held-to-maturity, net	6,197,790		6,956,759		7,535,725		(758,969)
Equity securities	236,674		217,167		222,391		19,507
Loans held-for-sale, at lower of cost or fair value	88,579		5,603		2,898		82,976
Loans held-in-portfolio	40,156,582		39,703,844		38,611,834		452,738
Less: Unearned income	406,720		414,142		426,656		(7,422)
Allowance for credit losses	784,832		823,729		769,485		(38,897)
Total loans held-in-portfolio, net	38,965,030		38,465,973		37,415,693		499,057
Premises and equipment, net	731,945		706,233		649,191		25,712
Other real estate	49,557		45,680		46,126		3,877
Accrued income receivable	307,251		308,617		274,867		(1,366)
Mortgage servicing rights, at fair value	94,485		94,232		103,077		253
Other assets	1,762,221		1,731,769		1,745,052		30,452
Goodwill	789,954		789,954		802,954		—
Other intangible assets	4,308		4,692		5,844		(384)
Total assets	$78,972,300		$76,131,018		$76,065,090		$2,841,282
Liabilities and Stockholders’ Equity:
Liabilities:
Deposits:
Non-interest bearing	$15,096,293		$15,785,788		$15,114,614		$(689,495)
Interest bearing	55,136,822		51,825,528		52,102,877		3,311,294
Total deposits	70,233,115		67,611,316		67,217,491		2,621,799
Assets sold under agreements to repurchase	77,521		34,576		56,043		42,945
Other short-term borrowings	675,000		350,000		550,000		325,000
Notes payable	710,310		734,981		808,451		(24,671)
Other liabilities	843,349		1,089,059		1,479,087		(245,710)
Total liabilities	72,539,295		69,819,932		70,111,072		2,719,363
Stockholders’ equity:
Preferred stock	22,143		22,143		22,143		—
Common stock	1,050		1,049		1,049		1
Surplus	4,937,091		4,928,636		4,919,950		8,455
Retained earnings	5,632,866		5,403,176		4,861,958		229,690
Treasury stock	(3,000,759)		(2,875,230)		(2,455,425)		(125,529)
Accumulated other comprehensive loss, net of tax	(1,159,386)		(1,168,688)		(1,395,657)		9,302
Total stockholders’ equity	6,433,005		6,311,086		5,954,018		121,919
Total liabilities and stockholders’ equity	$78,972,300		$76,131,018		$76,065,090		$2,841,282

19

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table D - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP)

For the quarters ended  June 30, 2026 and March 31, 2026

(audited)

Average Volume						Average Yields / Costs							Interest						Variance Attributable to
30-Jun-26		31-Mar-26		Variance		30-Jun-26		31-Mar-26		Variance			30-Jun-26		31-Mar-26		Variance		Rate		Volume
(In millions)													(In thousands)
$5,095		$4,850		$245		3.70%		3.70%		—%		Money market investments	$47,021		$44,240		$2,781		$521		$2,260
31,091		29,810		1,281		3.69		3.52		0.17		Investment securities [1]	286,115		258,897		27,218		14,156		13,062
32		34		(2)		5.76		5.56		0.20		Trading securities	454		463		(9)		21		(30)
36,218		34,694		1,524		3.69		3.54		0.15		Total money market, investment and trading securities	333,590		303,600		29,990		14,698		15,292
												Loans:
19,932		19,723		209		6.73		6.71		0.02		Commercial	334,494		326,387		8,107		4,622		3,485
1,764		1,697		67		7.90		8.14		(0.24)		Construction	34,729		34,068		661		(674)		1,335
1,970		1,985		(15)		7.45		7.35		0.10		Leasing	36,680		36,459		221		499		(278)
8,732		8,664		68		6.15		6.08		0.07		Mortgage	134,236		131,679		2,557		1,510		1,047
3,310		3,309		1		13.74		13.86		(0.12)		Consumer	113,356		113,129		227		408		(181)
3,867		3,892		(25)		9.32		9.33		(0.01)		Auto	89,901		89,496		405		983		(578)
39,575		39,270		305		7.53		7.53		—		Total loans	743,396		731,218		12,178		7,348		4,830
$75,793		$73,964		$1,829		5.70%		5.66%		0.04%		Total earning assets	$1,076,986		$1,034,818		$42,168		$22,046		$20,122
												Interest bearing deposits:
$8,819		$8,554		$265		1.69%		1.62%		0.07%		NOW and money market	$37,237		$34,159		$3,078		$1,986		$1,092
14,817		14,633		184		0.78		0.77		0.01		Savings	28,640		27,714		926		766		160
8,907		8,714		193		2.95		2.99		(0.04)		Time deposits	65,411		64,243		1,168		(4)		1,172
21,502		20,362		1,140		2.61		2.66		(0.05)		P.R. public deposits	139,966		133,302		6,664		(926)		7,590
54,045		52,263		1,782		2.01		2.01		—		Total interest bearing deposits	271,254		259,418		11,836		1,822		10,014
15,268		15,101		167								Non-interest bearing demand deposits
69,313		67,364		1,949		1.57		1.56		0.01		Total deposits	271,254		259,418		11,836		1,822		10,014
539		597		(58)		3.85		3.88		(0.03)		Short-term borrowings	5,172		5,703		(531)		19		(550)
741		772		(31)		6.38		6.26		0.12		Other medium and long- term debt	11,794		11,915		(121)		320		(441)
55,325		53,632		1,693		2.09		2.09		—		Total interest bearing liabilities (excluding demand deposits)	288,220		277,036		11,184		2,161		9,023
5,200		5,231		(31)								Other sources of funds
$75,793		$73,964		$1,829		1.53%		1.52%		0.01%		Total source of funds	$288,220		$277,036		$11,184		$2,161		$9,023
						4.17%		4.14%		0.03%		Net interest margin/ income on a taxable equivalent basis (Non- GAAP)	$788,766		$757,782		$30,984		$19,885		$11,099
						3.61%		3.57%		0.04%		Net interest spread
												Taxable equivalent adjustment	95,347		87,602		7,745
						3.66%		3.66%		—%		Net interest margin/ income non-taxable equivalent basis (GAAP)	$693,419		$670,180		$23,239

Note: The changes that are not due solely to volume or rate are allocated to volume and rate based on the proportion of the change in each category.

[1]Average balances exclude unrealized gains or losses on debt securities available-for-sale and the unrealized loss related to certain securities transferred

from available-for-sale to held-to-maturity.

20

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table E - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP)

For the quarters ended June 30, 2026 and June 30, 2025

(Unaudited)

Average Volume						Average Yields / Costs							Interest						Variance Attributable to
30-Jun-26		30-Jun-25		Variance		30-Jun-26		30-Jun-25		Variance			30-Jun-26		30-Jun-25		Variance		Rate		Volume
(In millions)													(In thousands)
$5,095		$6,251		$(1,156)		3.70%		4.46%		(0.76)%		Money market investments	$47,021		$69,532		$(22,511)		$(10,800)		$(11,711)
31,091		28,809		2,282		3.69		3.29		0.40		Investment securities [1]	286,115		236,372		49,743		25,813		23,930
32		27		5		5.76		5.99		(0.23)		Trading securities	454		407		47		(16)		63
36,218		35,087		1,131		3.69		3.50		0.19		Total money market, investment and trading securities	333,590		306,311		27,279		14,997		12,282
												Loans:
19,932		18,676		1,256		6.73		6.73		—		Commercial	334,494		313,493		21,001		(80)		21,081
1,764		1,459		305		7.90		8.19		(0.29)		Construction	34,729		29,806		4,923		(1,113)		6,036
1,970		1,963		7		7.45		7.18		0.27		Leasing	36,680		35,249		1,431		1,307		124
8,732		8,339		393		6.15		5.89		0.26		Mortgage	134,236		122,873		11,363		5,431		5,932
3,310		3,211		99		13.74		14.00		(0.26)		Consumer	113,356		112,083		1,273		(1,995)		3,268
3,867		3,937		(70)		9.32		9.14		0.18		Auto	89,901		89,706		195		1,809		(1,614)
39,575		37,585		1,990		7.53		7.50		0.03		Total loans	743,396		703,210		40,186		5,359		34,827
$75,793		$72,672		$3,121		5.70%		5.57%		0.13%		Total earning assets	$1,076,986		$1,009,521		$67,465		$20,356		$47,109
												Interest bearing deposits:
$8,819		$8,062		$757		1.69%		1.71%		(0.02)%		NOW and money market	$37,237		$34,288		$2,949		$(1,647)		$4,596
14,817		14,605		212		0.78		0.83		(0.05)		Savings	28,640		30,378		(1,738)		(1,134)		(604)
8,907		8,532		375		2.95		3.15		(0.20)		Time deposits	65,411		67,032		(1,621)		(4,675)		3,054
21,502		20,333		1,169		2.61		3.22		(0.61)		P.R. public deposits	139,966		163,360		(23,394)		(32,122)		8,728
54,045		51,532		2,513		2.01		2.29		(0.28)		Total interest bearing deposits	271,254		295,058		(23,804)		(39,578)		15,774
15,268		14,825		443								Non-interest bearing demand deposits
69,313		66,357		2,956		1.57		1.78		(0.21)		Total deposits	271,254		295,058		(23,804)		(39,578)		15,774
539		470		69		3.85		4.52		(0.67)		Short-term borrowings	5,172		5,300		(128)		(831)		703
741		832		(91)		6.38		5.79		0.59		Other medium and long- term debt	11,794		11,965		(171)		1,253		(1,424)
55,325		52,834		2,491		2.09		2.36		(0.27)		Total interest bearing liabilities (excluding demand deposits)	288,220		312,323		(24,103)		(39,156)		15,053
5,200		5,013		187								Other sources of funds
$75,793		$72,672		$3,121		1.53%		1.72%		(0.19)%		Total source of funds	$288,220		$312,323		$(24,103)		$(39,156)		$15,053
						4.17%		3.85%		0.32%		Net interest margin/ income on a taxable equivalent basis (Non- GAAP)	$788,766		$697,198		$91,568		$59,512		$32,056
						3.61%		3.21%		0.40%		Net interest spread
												Taxable equivalent adjustment	95,347		65,649		29,698
						3.66%		3.49%		0.17%		Net interest margin/ income non-taxable equivalent basis (GAAP)	$693,419		$631,549		$61,870

Note: The changes that are not due solely to volume or rate are allocated to volume and rate based on the proportion of the change in each category.

[1]Average balances exclude unrealized gains or losses on debt securities available-for-sale and the unrealized loss related to certain securities transferred

from available-for-sale to held-to-maturity.

21

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table F - Analysis of Levels and Yields on a Taxable Equivalent Basis (Non-GAAP) - YEAR-TO-DATE

(Unaudited)

Average Volume						Average Yields / Costs							Interest						Variance Attributable to
30-Jun-26		30-Jun-25		Variance		30-Jun-26		30-Jun-25		Variance			30-Jun-26		30-Jun-25		Variance		Rate		Volume
(In millions)													(In thousands)
$4,973		$6,314		$(1,341)		3.70%		4.46%		(0.76)%		Money market investments	$91,261		$139,698		$(48,437)		$(21,575)		$(26,862)
30,454		28,613		1,841		3.61		3.22		0.39		Investment securities [1]	545,012		456,807		88,205		50,353		37,852
33		29		4		5.66		5.90		(0.24)		Trading securities	916		847		69		(36)		105
35,460		34,956		504		3.62		3.45		0.17		Total money market, investment and trading securities	637,189		597,352		39,837		28,742		11,095
												Loans:
19,828		18,585		1,243		6.72		6.72		—		Commercial	660,881		619,461		41,420		(21)		41,441
1,731		1,385		346		8.02		8.15		(0.13)		Construction	68,796		55,995		12,801		(964)		13,765
1,977		1,951		26		7.40		7.14		0.26		Leasing	73,139		69,693		3,446		2,485		961
8,698		8,254		444		6.11		5.86		0.25		Mortgage	265,915		241,789		24,126		10,791		13,335
3,310		3,207		103		13.80		14.02		(0.22)		Consumer	226,486		222,989		3,497		(3,386)		6,883
3,880		3,929		(49)		9.32		9.11		0.21		Auto	179,398		177,511		1,887		4,154		(2,267)
39,424		37,311		2,113		7.53		7.49		0.04		Total loans	1,474,615		1,387,438		87,177		13,059		74,118
$74,884		$72,267		$2,617		5.68%		5.54%		0.14%		Total earning assets	$2,111,804		$1,984,790		$127,014		$41,801		$85,213
												Interest bearing deposits:
$8,687		$8,022		$665		1.66%		1.72%		(0.06)%		NOW and money market	$71,397		$68,290		$3,107		$(5,927)		$9,034
14,725		14,556		169		0.77		0.85		(0.08)		Savings	56,353		61,658		(5,305)		(3,967)		(1,338)
8,812		8,466		346		2.97		3.18		(0.21)		Time deposits	129,654		133,713		(4,059)		(9,545)		5,486
20,935		20,310		625		2.63		3.27		(0.64)		P.R public deposits	273,268		329,260		(55,992)		(65,601)		9,609
53,159		51,354		1,805		2.01		2.33		(0.32)		Total interest bearing deposits	530,672		592,921		(62,249)		(85,040)		22,791
15,185		14,758		427								Non-interest bearing demand deposits
68,344		66,112		2,232		1.57		1.81		(0.24)		Total deposits	530,672		592,921		(62,249)		(85,040)		22,791
568		297		271		3.86		4.57		(0.71)		Short-term borrowings	10,875		6,726		4,149		(1,116)		5,265
757		847		(90)		6.32		5.72		0.60		Other medium and long- term debt	23,709		24,077		(368)		2,474		(2,842)
54,484		52,498		1,986		2.09		2.40		(0.31)		Total interest bearing liabilities (excluding demand deposits)	565,256		623,724		(58,468)		(83,682)		25,214
5,215		5,011		204								Other sources of funds
$74,884		$72,267		$2,617		1.52%		1.74%		(0.22)%		Total source of funds	$565,256		$623,724		$(58,468)		$(83,682)		$25,214
						4.16%		3.80%		0.36%		Net interest margin/ income on a taxable equivalent basis (Non- GAAP)	$1,546,548		$1,361,066		$185,482		$125,483		$59,999
						3.59%		3.14%		0.45%		Net interest spread
												Taxable equivalent adjustment	182,949		123,920		59,029
						3.67%		3.45%		0.22%		Net interest margin/ income non-taxable equivalent basis (GAAP)	$1,363,599		$1,237,146		$126,453

Note: The changes that are not due solely to volume or rate are allocated to volume and rate based on the proportion of the change in each category.

[1]Average balances exclude unrealized gains or losses on debt securities available-for-sale and the unrealized loss related to certain securities transferred

from available-for-sale to held-to-maturity.

22

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table G - Mortgage Banking Activities and Other Service Fees

(Unaudited)

Mortgage Banking Activities

	Quarters ended			Variance		Six month ended
(In thousands)	30-Jun-26	31-Mar-26	30-Jun-25	Δ vs 31- Mar-26	Δ vs 30- Jun-25	30-Jun-26	30-Jun-25	Δ vs 30- Jun-25
Mortgage servicing fees, net of fair value adjustments:
Mortgage servicing fees	$6,416	$6,483	$6,912	$(67)	$(496)	$12,899	$14,080	$(1,181)
Mortgage servicing rights fair value adjustments	(232)	(2,639)	(1,954)	2,407	1,722	(2,871)	(5,524)	2,653
Total mortgage servicing fees, net of fair value adjustments	6,184	3,844	4,958	2,340	1,226	10,028	8,556	1,472
Net (loss) gain on sale of loans, including valuation on loans held-for-sale	159	317	(37)	(158)	196	477	156	321
Trading account (loss) profit:
Unrealized (losses) gains on outstanding derivative positions	(52)	75	(8)	(127)	(44)	23	(95)	118
Realized (losses) gains on closed derivative positions	13	(18)	(10)	31	23	(5)	(9)	4
Total trading account (loss) profit	(39)	57	(18)	(96)	(21)	17	(104)	121
Losses on repurchased loans, including interest advances	(37)	(4)	(31)	(33)	(6)	(42)	(47)	5
Total mortgage banking activities	$6,267	$4,214	$4,872	$2,053	$1,395	$10,480	$8,561	$1,919

Other Service Fees

	Quarters ended						Variance				Six month ended
(In thousands)	30-Jun-26		31-Mar-26		30-Jun-25		Δ vs 31- Mar-26		Δ vs 30- Jun-25		30-Jun-26		30-Jun-25		Δ vs 30- Jun-25
Other service fees:
Debit card fees	$31,538		$30,009		$27,918		$1,529		$3,620		$61,546		$54,350		$7,196
Insurance fees	12,586		12,525		12,695		61		(109)		25,111		24,004		1,107
Credit card fees	34,783		32,000		32,502		2,783		2,281		66,784		62,632		4,152
Sale and administration of investment products	9,998		10,187		9,058		(189)		940		20,185		18,031		2,154
Trust fees	7,751		7,339		6,626		412		1,125		15,090		12,926		2,164
Other fees	12,136		10,861		11,723		1,275		413		22,997		23,087		(90)
Total other service fees	$108,792		$102,921		$100,522		$5,871		$8,270		$211,713		$195,030		$16,683

23

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table H - Consolidated Loans and Deposits

(Unaudited)

Loans - Ending Balances

	Quarters ended						Variance
(Dollars in thousands)	30-Jun-26		31-Mar-26		30-Jun-25		Δ vs 31- Mar-26		% of Change		Δ vs 30- Jun-25		% of Change
Loans held-in-portfolio:
Commercial
Commercial multi-family	$2,399,424		$2,427,295		$2,520,789		$(27,871)		(1.15%)		$(121,365)		(4.81%)
Commercial real estate non- owner occupied	5,620,875		5,543,451		5,521,374		77,424		1.40%		99,501		1.80%
Commercial real estate owner occupied	3,256,702		3,212,356		3,003,855		44,346		1.38%		252,847		8.42%
Commercial and industrial	8,774,084		8,565,559		8,043,752		208,525		2.43%		730,332		9.08%
Total Commercial	20,051,085		19,748,661		19,089,770		302,424		1.53%		961,315		5.04%
Construction	1,732,075		1,674,193		1,468,201		57,882		3.46%		263,874		17.97%
Mortgage	8,780,334		8,712,361		8,444,427		67,973		0.78%		335,907		3.98%
Leasing	1,968,035		1,986,165		1,983,068		(18,130)		(0.91%)		(15,033)		(0.76%)
Consumer
Credit cards	1,237,997		1,214,199		1,215,293		23,798		1.96%		22,704		1.87%
Home equity lines of credit	85,357		79,764		77,479		5,593		7.01%		7,878		10.17%
Personal	1,952,725		1,913,281		1,876,463		39,444		2.06%		76,262		4.06%
Auto	3,766,648		3,783,904		3,861,702		(17,256)		(0.46%)		(95,054)		(2.46%)
Other	175,606		177,174		168,775		(1,568)		(0.89%)		6,831		4.05%
Total Consumer	7,218,333		7,168,322		7,199,712		50,011		0.70%		18,621		0.26%
Total loans held-in-portfolio	$39,749,862		$39,289,702		$38,185,178		$460,160		1.17%		$1,564,684		4.10%
Loans held-for-sale:
Commercial	$83,700		$—		$—		$83,700		—%		$83,700		—%
Mortgage	$4,879		$5,603		$2,898		$(724)		(12.92%)		$1,981		68.36%
Total loans held-for-sale	$88,579		$5,603		$2,898		$82,976		1480.92%		$85,681		2956.56%
Total loans	$39,838,441		$39,295,305		$38,188,076		$543,136		1.38%		$1,650,365		4.32%

Deposits - Ending Balances

	Quarters ended						Variance
(In thousands)	30-Jun-26		31-Mar-26		30-Jun-25 [2]		Δ vs 31- Mar-26		% of Change		Δ vs 30- Jun-25		% of Change
Deposits excluding P.R. public deposits:
Demand deposits	$15,085,454		$15,778,435		$15,114,614		$(692,981)		(4.39%)		$(29,160)		(0.19%)
Savings, NOW and money market deposits (non-brokered)	23,376,410		23,208,340		22,292,892		168,070		0.72%		1,083,518		4.86%
Savings, NOW and money market deposits (brokered)	79,505		82,417		91,220		(2,912)		(3.53%)		(11,715)		(12.84%)
Time deposits (non-brokered)	8,113,712		7,958,260		8,071,836		155,452		1.95%		41,876		0.52%
Time deposits (brokered CDs)	873,116		914,526		728,969		(41,410)		(4.53%)		144,147		19.77%
Sub-total deposits excluding P.R. public deposits	47,528,197		47,941,978		46,299,531		(413,781)		(0.86%)		1,228,666		2.65%
P.R. public deposits:
Demand deposits [1]	11,438,732		11,967,888		12,376,316		(529,156)		(4.42%)		(937,584)		(7.58%)
Savings, NOW and money market deposits (non-brokered)	10,347,936		6,828,306		7,743,663		3,519,630		51.54%		2,604,273		33.63%
Time deposits (non-brokered)	918,250		873,144		797,981		45,106		5.17%		120,269		15.07%
Sub-total P.R. public deposits	22,704,918		19,669,338		20,917,960		3,035,580		15.43%		1,786,958		8.54%
Total deposits	$70,233,115		$67,611,316		$67,217,491		$2,621,799		3.88%		$3,015,624		4.49%

[1] Includes interest bearing demand deposits.

[2] Savings, NOW and money market deposits include reciprocal deposits of $841 million as of June 30, 2026  (March 31, 2026 - $821 million; June 30, 2025 -

$738 million) that were categorized as brokered deposits during 2025 and re-characterized as non-brokered in 2026. Similarly, Time deposits include reciprocal

deposits of $75 million  as of June 30, 2026 (March 31, 2026 - $87 million; June 30, 2025 - $133 million) that were categorized as brokered deposits during

2025 and re-characterized as non-brokered in 2026. The presentation for June 30, 2025  has been adjusted to conform to the presentation for June 30, 2026.

24

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table I - Loan Delinquency - BPPR Operations

(Unaudited)

30-Jun-26
BPPR
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$10,723		$—		$—		$10,723		$335,236		$345,959		$—		$—
Commercial real estate:
Non-owner occupied	2,750		160		26,016		28,926		3,292,169		3,321,095		26,016		—
Owner occupied	2,053		—		15,374		17,427		1,139,254		1,156,681		15,374		—
Commercial and industrial	5,063		2,084		142,947		150,094		6,012,974		6,163,068		138,389		4,558
Construction	—		—		—		—		425,850		425,850		—		—
Mortgage	228,082		108,220		320,739		657,041		6,872,509		7,529,550		129,240		191,499
Leasing	22,358		5,549		7,182		35,089		1,932,946		1,968,035		7,182		—
Consumer:
Credit cards	12,058		8,488		23,367		43,913		1,194,097		1,238,010		—		23,367
Home equity lines of credit	—		—		—		—		1,852		1,852		—		—
Personal	17,784		10,789		16,605		45,178		1,850,841		1,896,019		16,605		—
Auto	99,765		19,552		31,474		150,791		3,615,857		3,766,648		31,474		—
Other	327		796		3,869		4,992		159,077		164,069		3,544		325
Total	$400,963		$155,638		$587,573		$1,144,174		$26,832,662		$27,976,836		$367,824		$219,749

31-Mar-26
BPPR
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$2,717		$7,927		$—		$10,644		$332,447		$343,091		$—		$—
Commercial real estate:
Non-owner occupied	3,123		—		26,457		29,580		3,362,611		3,392,191		26,457		—
Owner occupied	2,114		664		14,192		16,970		1,131,241		1,148,211		14,192		—
Commercial and industrial	5,792		2,240		190,205		198,237		5,742,028		5,940,265		185,993		4,212
Construction	13,635		—		—		13,635		399,144		412,779		—		—
Mortgage	218,044		102,818		325,321		646,183		6,789,562		7,435,745		129,367		195,954
Leasing	21,261		3,938		8,892		34,091		1,952,074		1,986,165		8,892		—
Consumer:
Credit cards	12,351		8,721		25,395		46,467		1,167,725		1,214,192		—		25,395
Home equity lines of credit	—		120		—		120		1,778		1,898		—		—
Personal	18,601		11,212		15,976		45,789		1,805,275		1,851,064		15,755		221
Auto	81,112		13,038		35,390		129,540		3,654,364		3,783,904		35,390		—
Other	574		135		4,663		5,372		162,036		167,408		4,227		436
Total	$379,324		$150,813		$646,491		$1,176,628		$26,500,285		$27,676,913		$420,273		$226,218

25

Variance
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$8,006		$(7,927)		$—		$79		$2,789		$2,868		$—		$—
Commercial real estate:
Non-owner occupied	(373)		160		(441)		(654)		(70,442)		(71,096)		(441)		—
Owner occupied	(61)		(664)		1,182		457		8,013		8,470		1,182		—
Commercial and industrial	(729)		(156)		(47,258)		(48,143)		270,946		222,803		(47,604)		346
Construction	(13,635)		—		—		(13,635)		26,706		13,071		—		—
Mortgage	10,038		5,402		(4,582)		10,858		82,947		93,805		(127)		(4,455)
Leasing	1,097		1,611		(1,710)		998		(19,128)		(18,130)		(1,710)		—
Consumer:
Credit cards	(293)		(233)		(2,028)		(2,554)		26,372		23,818		—		(2,028)
Home equity lines of credit	—		(120)		—		(120)		74		(46)		—		—
Personal	(817)		(423)		629		(611)		45,566		44,955		850		(221)
Auto	18,653		6,514		(3,916)		21,251		(38,507)		(17,256)		(3,916)		—
Other	(247)		661		(794)		(380)		(2,959)		(3,339)		(683)		(111)
Total	$21,639		$4,825		$(58,918)		$(32,454)		$332,377		$299,923		$(52,449)		$(6,469)

26

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table J - Loan Delinquency - Popular U.S. Operations

(Unaudited)

30-Jun-26
Popular U.S.
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$5,166		$—		$8,931		$14,097		$2,039,368		$2,053,465		$8,931		$—
Commercial real estate:															—
Non-owner occupied	1,600		3,391		6,950		11,941		2,287,839		2,299,780		6,950		—
Owner occupied	994		1,438		8,865		11,297		2,088,724		2,100,021		8,865		—
Commercial and industrial	5,672		58		6,737		12,467		2,598,549		2,611,016		6,563		174
Construction	—		12,491		—		12,491		1,293,734		1,306,225		—		—
Mortgage	898		2,773		10,233		13,904		1,236,880		1,250,784		10,233		—
Consumer:															—
Credit cards	—		—		—		—		(13)		(13)		—		—
Home equity lines of credit	912		119		3,320		4,351		79,154		83,505		3,320		—
Personal	513		656		751		1,920		54,786		56,706		751		—
Other	441		—		—		441		11,096		11,537		—		—
Total	$16,196		$20,926		$45,787		$82,909		$11,690,117		$11,773,026		$45,613		$174

31-Mar-26
Popular U.S.
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$5,733		$—		$10,962		$16,695		$2,067,509		$2,084,204		$10,962		$—
Commercial real estate:															—
Non-owner occupied	10,282		1,930		6,987		19,199		2,132,061		2,151,260		6,987		—
Owner occupied	21,202		1,610		—		22,812		2,041,333		2,064,145		—		—
Commercial and industrial	11,660		4,404		6,693		22,757		2,602,537		2,625,294		6,524		169
Construction	6,903		—		—		6,903		1,254,511		1,261,414		—		—
Mortgage	25,877		1,552		9,700		37,129		1,239,487		1,276,616		9,700		—
Consumer:															—
Credit cards	—		—		—		—		7		7		—		—
Home equity lines of credit	660		252		2,766		3,678		74,188		77,866		2,766		—
Personal	1,062		523		905		2,490		59,727		62,217		905		—
Other	2		—		—		2		9,764		9,766		—		—
Total	$83,381		$10,271		$38,013		$131,665		$11,481,124		$11,612,789		$37,844		$169

27

Variance
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$(567)		$—		$(2,031)		$(2,598)		$(28,141)		$(30,739)		$(2,031)		$—
Commercial real estate:
Non-owner occupied	(8,682)		1,461		(37)		(7,258)		155,778		148,520		(37)		—
Owner occupied	(20,208)		(172)		8,865		(11,515)		47,391		35,876		8,865		—
Commercial and industrial	(5,988)		(4,346)		44		(10,290)		(3,988)		(14,278)		39		5
Construction	(6,903)		12,491		—		5,588		39,223		44,811		—		—
Mortgage	(24,979)		1,221		533		(23,225)		(2,607)		(25,832)		533		—
Consumer:	—		—		—		—		—		—		—		—
Credit cards	—		—		—		—		(20)		(20)		—		—
Home equity lines of credit	252		(133)		554		673		4,966		5,639		554		—
Personal	(549)		133		(154)		(570)		(4,941)		(5,511)		(154)		—
Other	439		—		—		439		1,332		1,771		—		—
Total	$(67,185)		$10,655		$7,774		$(48,756)		$208,993		$160,237		$7,769		$5

28

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table K - Loan Delinquency - Consolidated

(Unaudited)

30-Jun-26
Popular, Inc.
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$15,889		$—		$8,931		$24,820		$2,374,604		$2,399,424		$8,931	$—	$—
Commercial real estate:
Non-owner occupied	4,350		3,551		32,966		40,867		5,580,008		5,620,875		32,966		—
Owner occupied	3,047		1,438		24,239		28,724		3,227,978		3,256,702		24,239		—
Commercial and industrial	10,735		2,142		149,684		162,561		8,611,523		8,774,084		144,952		4,732
Construction	—		12,491		—		12,491		1,719,584		1,732,075		—		—
Mortgage	228,980		110,993		330,972		670,945		8,109,389		8,780,334		139,473		191,499
Leasing	22,358		5,549		7,182		35,089		1,932,946		1,968,035		7,182		—
Consumer:
Credit cards	12,058		8,488		23,367		43,913		1,194,084		1,237,997		—		23,367
Home equity lines of credit	912		119		3,320		4,351		81,006		85,357		3,320		—
Personal	18,297		11,445		17,356		47,098		1,905,627		1,952,725		17,356		—
Auto	99,765		19,552		31,474		150,791		3,615,857		3,766,648		31,474		—
Other	768		796		3,869		5,433		170,173		175,606		3,544		325
Total	$417,159		$176,564		$633,360		$1,227,083		$38,522,779		$39,749,862		$413,437		$219,923

31-Mar-26
Popular, Inc.
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$8,450		$7,927		$10,962		$27,339		$2,399,956		$2,427,295		$10,962		$—
Commercial real estate:
Non-owner occupied	13,405		1,930		33,444		48,779		5,494,672		5,543,451		33,444		—
Owner occupied	23,316		2,274		14,192		39,782		3,172,574		3,212,356		14,192		—
Commercial and industrial	17,452		6,644		196,898		220,994		8,344,565		8,565,559		192,517		4,381
Construction	20,538		—		—		20,538		1,653,655		1,674,193		—		—
Mortgage	243,921		104,370		335,021		683,312		8,029,049		8,712,361		139,067		195,954
Leasing	21,261		3,938		8,892		34,091		1,952,074		1,986,165		8,892		—
Consumer:
Credit cards	12,351		8,721		25,395		46,467		1,167,732		1,214,199		—		25,395
Home equity lines of credit	660		372		2,766		3,798		75,966		79,764		2,766		—
Personal	19,663		11,735		16,881		48,279		1,865,002		1,913,281		16,660		221
Auto	81,112		13,038		35,390		129,540		3,654,364		3,783,904		35,390		—
Other	576		135		4,663		5,374		171,800		177,174		4,227		436
Total	$462,705		$161,084		$684,504		$1,308,293		$37,981,409		$39,289,702		$458,117		$226,387

29

Variance
	Past due												Past due 90 days or more
(In thousands)	30-59 days		60-89 days		90 days or more		Total past due		Current		Loans HIP		Non-accrual loans		Accruing loans
Commercial multi-family	$7,439		$(7,927)		$(2,031)		$(2,519)		$(25,352)		$(27,871)		$(2,031)	$—	$—
Commercial real estate:
Non-owner occupied	(9,055)		1,621		(478)		(7,912)		85,336		77,424		(478)		—
Owner occupied	(20,269)		(836)		10,047		(11,058)		55,404		44,346		10,047		—
Commercial and industrial	(6,717)		(4,502)		(47,214)		(58,433)		266,958		208,525		(47,565)		351
Construction	(20,538)		12,491		—		(8,047)		65,929		57,882		—		—
Mortgage	(14,941)		6,623		(4,049)		(12,367)		80,340		67,973		406		(4,455)
Leasing	1,097		1,611		(1,710)		998		(19,128)		(18,130)		(1,710)		—
Consumer:
Credit cards	(293)		(233)		(2,028)		(2,554)		26,352		23,798		—	—	(2,028)
Home equity lines of credit	252		(253)		554		553		5,040		5,593		554		—
Personal	(1,366)		(290)		475		(1,181)		40,625		39,444		696		(221)
Auto	18,653		6,514		(3,916)		21,251		(38,507)		(17,256)		(3,916)		—
Other	192		661		(794)		59		(1,627)		(1,568)		(683)		(111)
Total	$(45,546)		$15,480		$(51,144)		$(81,210)		$541,370		$460,160		$(44,680)		$(6,464)

30

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table L - Non-Performing Assets

(Unaudited)

														Variance
(Dollars in thousands)		30-Jun-26		As a % of loans HIP by category		31-Mar-26		As a % of loans HIP by category		30-Jun-25		As a % of loans HIP by category		Q2 2026 vs. Q1 2026		Q2 2026 vs. Q2 2025
Non-accrual loans:
Commercial
Commercial multi-family		$8,931		0.4%		$10,962		0.5%		$10,925		0.4%		$(2,031)		$(1,994)
Commercial real estate non-owner occupied		32,966		0.6		33,444		0.6		13,977		0.3		(478)		18,989
Commercial real estate owner occupied		24,239		0.7		14,192		0.4		27,551		0.9		10,047		(3,312)
Commercial and industrial		144,952		1.7		192,517		2.2		11,424		0.1		(47,565)		133,528
Total Commercial		211,088		1.1		251,115		1.3		63,877		0.3		(40,027)		147,211
Mortgage		139,473		1.6		139,067		1.6		175,516		2.1		406		(36,043)
Leasing		7,182		0.4		8,892		0.4		7,976		0.4		(1,710)		(794)
Consumer
Home equity lines of credit		3,320		3.9		2,766		3.5		3,120		4.0		554		200
Personal		17,356		0.9		16,660		0.9		18,593		1.0		696		(1,237)
Auto		31,474		0.8		35,390		0.9		40,595		1.1		(3,916)		(9,121)
Other		3,544		2.0		4,227		2.4		1,948		1.2		(683)		1,596
Total Consumer		55,694		0.8		59,043		0.8		64,256		0.9		(3,349)		(8,562)
Total non-performing loans held-in- portfolio		413,437		1.0%		458,117		1.2%		311,625		0.8%		(44,680)		101,812
Non-performing loans held-for-sale		83,700				—				—				83,700		83,700
Other real estate owned (“OREO”)		49,557				45,680				46,126				3,877		3,431
Total non-performing assets		546,694				503,797				357,751				42,897		188,943
Accruing loans past due 90 days or more [1]		219,923				226,387				206,394				(6,464)		13,529
Ratios:
Non-performing assets to total assets		0.69%				0.66%				0.47%
Non-performing loans held-in-portfolio to loans held-in-portfolio		1.04				1.17				0.82
Allowance for credit losses to loans held- in-portfolio		1.97				2.10				2.02
Allowance for credit losses to non- performing loans, excluding loans held-for- sale		189.83				179.81				246.93

[1] It is the Corporation’s policy to report delinquent residential mortgage loans insured by FHA or guaranteed by the VA as accruing loans past due 90 days or

more as opposed to non-performing since the principal repayment is insured.  These balances include $40 million of residential mortgage loans insured by FHA

or guaranteed by the VA that are no longer accruing interest as of June 2026 (March 2026 - $43 million ; June 2025 - $52 million). Furthermore, the Corporation

has approximately $25 million  reverse mortgage loans which are guaranteed by FHA, as of June 2026 . Due to the guaranteed nature of the loans, it is the

Corporation’s policy to exclude these balances from non-performing assets (March 2026 - $26 million ;  June 2025 - $29 million ).

31

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table M - Activity in Non-Performing Loans

(Unaudited)

Commercial loans held-in-portfolio:

	Quarter ended						Quarter ended
	30-Jun-26						31-Mar-26
(In thousands)	BPPR		Popular U.S.		Popular, Inc.		BPPR		Popular U.S.		Popular, Inc.
Beginning balance NPLs	$226,642		$24,473		$251,115		$244,285		$22,154		$266,439
Plus:
New non-performing loans	136,095		16,382		152,477		5,004		3,205		8,209
Advances on existing non-performing loans	—		62		62		—		170		170
Less:
Non-performing loans transferred to OREO	(301)		—		(301)		(650)		—		(650)
Non-performing loans charged-off	(73,035)		(1,571)		(74,606)		(11,661)		(3)		(11,664)
Loans returned to accrual status / loan collections	(25,922)		(8,037)		(33,959)		(10,336)		(1,053)		(11,389)
Loans transferred to held-for-sale	(83,700)		—		(83,700)		—		—		—
Ending balance NPLs	$179,779		$31,309		$211,088		$226,642		$24,473		$251,115

Mortgage loans held-in-portfolio:

	Quarter ended						Quarter ended
	30-Jun-26						31-Mar-26
(In thousands)	BPPR		Popular U.S.		Popular, Inc.		BPPR		Popular U.S.		Popular, Inc.
Beginning balance NPLs	$129,367		$9,700		$139,067		$132,373		$13,422		$145,795
Plus:
New non-performing loans	30,664		3,251		33,915		38,457		2,528		40,985
Advances on existing non-performing loans	—		4		4		—		11		11
Less:
Non-performing loans transferred to OREO	(1,985)		—		(1,985)		(2,461)		—		(2,461)
Non-performing loans charged-off	119		(9)		110		(540)		(21)		(561)
Loans returned to accrual status / loan collections	(28,925)		(2,713)		(31,638)		(38,462)		(6,240)		(44,702)
Ending balance NPLs	$129,240		$10,233		$139,473		$129,367		$9,700		$139,067

Total non-performing loans held-in-portfolio (excluding consumer):

	Quarter ended						Quarter ended
	30-Jun-26						31-Mar-26
(In thousands)	BPPR		Popular U.S.		Popular, Inc.		BPPR		Popular U.S.		Popular, Inc.
Beginning balance NPLs	$356,009		$34,173		$390,182		$376,658		$35,576		$412,234
Plus:
New non-performing loans	166,759		19,633		186,392		43,461		5,733		49,194
Advances on existing non-performing loans	—		66		66		—		181		181
Less:
Non-performing loans transferred to OREO	(2,286)		—		(2,286)		(3,111)		—		(3,111)
Non-performing loans charged-off	(72,916)		(1,580)		(74,496)		(12,201)		(24)		(12,225)
Loans returned to accrual status / loan collections	(54,847)		(10,750)		(65,597)		(48,798)		(7,293)		(56,091)
Loans transferred to held-for-sale	(83,700)		—		(83,700)		—		—		—
Ending balance NPLs	$309,019		$41,542		$350,561		$356,009		$34,173		$390,182

32

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table N - Allowance for Credit Losses, Net Charge-offs and Related Ratios

(Unaudited)

	Quarters ended
(In thousands)	30-Jun-26		31-Mar-26		30-Jun-25
Balance at beginning of period - loans held-in-portfolio	$823,729		$808,056		$762,148
Provision for credit losses	65,154		75,689		49,539
Initial allowance for credit losses - PCD Loans	2		7		—
	888,885		883,752		811,687
Net loans charge-off (recovered)- BPPR
Commercial:
Commercial multi-family	—		(2)		(6)
Commercial real estate non-owner occupied	(4,102)		11,115		(451)
Commercial real estate owner occupied	(2,063)		(355)		(1,005)
Commercial and industrial	73,406		731		1,436
Total Commercial	67,241		11,489		(26)
Construction	—		(11)		—
Mortgage	(4,922)		(2,316)		(2,429)
Leasing	1,840		2,569		2,736
Consumer:
Credit cards	14,300		16,053		17,311
Home equity lines of credit	(44)		(91)		(307)
Personal	16,143		17,949		15,776
Auto	5,808		12,826		6,557
Other Consumer	1,322		522		546
Total Consumer	37,529		47,259		39,883
Total net charged-off BPPR	$101,688		$58,990		$40,164
Net loans charge-off (recovered) - Popular U.S.
Commercial:
Commercial multi-family	1,312		—		563
Commercial real estate owner occupied	(139)		(115)		(26)
Commercial and industrial	87		(15)		(205)
Total Commercial	1,260		(130)		332
Construction	—		—		—
Mortgage	(31)		(28)		(32)
Consumer:
Credit cards	1	—	—	—	—
Home equity lines of credit	(106)		(234)		(579)
Personal	1,233		1,422		2,305
Other Consumer	8		3		12
Total Consumer	1,136		1,191		1,738
Total net charged-off Popular U.S.	$2,365		$1,033		$2,038
Total loans net charged-off - Popular, Inc.	$104,053		$60,023		$42,202
Balance at end of period - loans held-in-portfolio	$784,832		$823,729		$769,485
Balance at beginning of period - unfunded commitments	$14,547		$14,438		$14,169
Provision for credit losses (benefit)	389		109		(1,116)
Balance at end of period - unfunded commitments [1]	$14,936		$14,547		$13,053
POPULAR, INC.
Annualized net charge-offs (recoveries) to average loans held-in-portfolio	1.05%		0.61%		0.45%
Provision for credit losses (benefit) - loan portfolios to net charge-offs	62.62%		126.10%		117.39%
BPPR
Annualized net charge-offs (recoveries) to average loans held-in-portfolio	1.46%		0.85%		0.61%
Provision for credit losses (benefit) - loan portfolios to net charge-offs	60.71%		124.25%		107.43%
Popular U.S.
Annualized net charge-offs (recoveries) to average loans held-in-portfolio	0.08%		0.04%		0.07%
Provision for credit losses (benefit) - loan portfolios to net charge-offs	144.44%		231.46%		313.49%

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

33

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table O - Allowance for Credit Losses “ACL”- Loan Portfolios - BPPR Operations

(Unaudited)

30-Jun-26
BPPR
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$4,069		$345,959		1.18%
Commercial real estate - non-owner occupied	40,179		3,321,095		1.21%
Commercial real estate - owner occupied	35,549		1,156,681		3.07%
Commercial and industrial	166,787		6,163,068		2.71%
Total commercial	$246,584		$10,986,803		2.24%
Construction	4,803		425,850		1.13%
Mortgage	70,498		7,529,550		0.94%
Leasing	17,627		1,968,035		0.90%
Consumer:
Credit cards	84,817		1,238,010		6.85%
Home equity lines of credit	52		1,852		2.81%
Personal	96,014		1,896,019		5.06%
Auto	164,543		3,766,648		4.37%
Other	7,349		164,069		4.48%
Total consumer	$352,775		$7,066,598		4.99%
Total	$692,287		$27,976,836		2.47%

31-Mar-26
BPPR
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$4,704		$343,091		1.37%
Commercial real estate - non-owner occupied	48,881		3,392,191		1.44%
Commercial real estate - owner occupied	35,403		1,148,211		3.08%
Commercial and industrial	179,980		5,940,265		3.03%
Total commercial	$268,968		$10,823,758		2.48%
Construction	5,767		412,779		1.40%
Mortgage	73,761		7,435,745		0.99%
Leasing	18,588		1,986,165		0.94%
Consumer:
Credit cards	89,376		1,214,192		7.36%
Home equity lines of credit	67		1,898		3.53%
Personal	97,457		1,851,064		5.26%
Auto	170,544		3,783,904		4.51%
Other	7,707		167,408		4.60%
Total consumer	$365,151		$7,018,466		5.20%
Total	$732,235		$27,676,913		2.65%

34

Variance
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$(635)		$2,868		(0.19%)
Commercial real estate - non-owner occupied	(8,702)		(71,096)		(0.23%)
Commercial real estate - owner occupied	146		8,470		(0.01%)
Commercial and industrial	(13,193)		222,803		(0.32)%
Total commercial	$(22,384)		$163,045		(0.24)%
Construction	(964)		13,071		(0.27%)
Mortgage	(3,263)		93,805		(0.05)%
Leasing	(961)		(18,130)		(0.04)%
Consumer:
Credit cards	(4,559)		23,818		(0.51)%
Home equity lines of credit	(15)		(46)		(0.72%)
Personal	(1,443)		44,955		(0.20%)
Auto	(6,001)		(17,256)		(0.14%)
Other	(358)		(3,339)		(0.12%)
Total consumer	$(12,376)		$48,132		(0.21%)
Total	$(39,948)		$299,923		(0.18)%

35

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table P - Allowance for Credit Losses “ACL”- Loan Portfolios - POPULAR U.S. Operations

(Unaudited)

30-Jun-26
Popular U.S.
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$14,850		$2,053,465		0.72%
Commercial real estate - non-owner occupied	15,631		2,299,780		0.68%
Commercial real estate - owner occupied	17,090		2,100,021		0.81%
Commercial and industrial	18,609		2,611,016		0.71%
Total commercial	$66,180		$9,064,282		0.73%
Construction	9,557		1,306,225		0.73%
Mortgage	9,024		1,250,784		0.72%
Consumer:
Credit cards	—		(13)		-%
Home equity lines of credit	1,371		83,505		1.64%
Personal	6,408		56,706		11.30%
Other	5		11,537		0.04%
Total consumer	$7,784		$151,735		5.13%
Total	$92,545		$11,773,026		0.79%

31-Mar-26
Popular U.S.
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$15,365		$2,084,204		0.74%
Commercial real estate - non-owner occupied	15,265		2,151,260		0.71%
Commercial real estate - owner occupied	15,713		2,064,145		0.76%
Commercial and industrial	17,496		2,625,294		0.67%
Total commercial	$63,839		$8,924,903		0.72%
Construction	9,393		1,261,414		0.74%
Mortgage	9,863		1,276,616		0.77%
Consumer:
Credit cards	—		7		—%
Home equity lines of credit	1,111		77,866		1.43%
Personal	7,282		62,217		11.70%
Other	6		9,766		0.06%
Total consumer	$8,399		$149,856		5.60%
Total	$91,494		$11,612,789		0.79%

36

Variance
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$(515)		$(30,739)		(0.01%)
Commercial real estate - non-owner occupied	366		148,520		(0.03%)
Commercial real estate - owner occupied	1,377		35,876		0.05%
Commercial and industrial	1,113		(14,278)		0.05%
Total commercial	$2,341		$139,379		0.01%
Construction	164		44,811		(0.01%)
Mortgage	(839)		(25,832)		(0.05%)
Consumer:
Credit cards	—		(20)		—%
Home equity lines of credit	260		5,639		0.22%
Personal	(874)		(5,511)		(0.40%)
Other	(1)		1,771		(0.02%)
Total consumer	$(615)		$1,879		(0.47)%
Total	$1,051		$160,237		—%

37

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table Q - Allowance for Credit Losses “ACL”- Loan Portfolios - Consolidated

(Unaudited)

30-Jun-26
Pop Inc.
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$18,919		$2,399,424		0.79%
Commercial real estate - non-owner occupied	55,810		5,620,875		0.99%
Commercial real estate - owner occupied	52,639		3,256,702		1.62%
Commercial and industrial	185,396		8,774,084		2.11%
Total commercial	$312,764		$20,051,085		1.56%
Construction	14,360		1,732,075		0.83%
Mortgage	79,522		8,780,334		0.91%
Leasing	17,627		1,968,035		0.90%
Consumer:
Credit cards	84,817		1,237,997		6.85%
Home equity lines of credit	1,423		85,357		1.67%
Personal	102,422		1,952,725		5.25%
Auto	164,543		3,766,648		4.37%
Other	7,354		175,606		4.19%
Total consumer	$360,559		$7,218,333		5.00%
Total	$784,832		$39,749,862		1.97%

31-Mar-26
Pop Inc.
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$20,069		$2,427,295		0.83%
Commercial real estate - non-owner occupied	64,146		5,543,451		1.16%
Commercial real estate - owner occupied	51,116		3,212,356		1.59%
Commercial and industrial	197,476		8,565,559		2.31%
Total commercial	$332,807		$19,748,661		1.69%
Construction	15,160		1,674,193		0.91%
Mortgage	83,624		8,712,361		0.96%
Leasing	18,588		1,986,165		0.94%
Consumer:
Credit cards	89,376		1,214,199		7.36%
Home equity lines of credit	1,178		79,764		1.48%
Personal	104,739		1,913,281		5.47%
Auto	170,544		3,783,904		4.51%
Other	7,713		177,174		4.35%
Total consumer	$373,550		$7,168,322		5.21%
Total	$823,729		$39,289,702		2.10%

38

Variance
(Dollars in thousands)	Total ACL		Total loans held-in- portfolio		ACL to loans held- in-portfolio
Commercial:
Commercial multi-family	$(1,150)		$(27,871)		(0.04%)
Commercial real estate - non-owner occupied	(8,336)		77,424		(0.16%)
Commercial real estate - owner occupied	1,523		44,346		0.03%
Commercial and industrial	(12,080)		208,525		(0.19)%
Total commercial	$(20,043)		$302,424		(0.13)%
Construction	(800)		57,882		(0.08%)
Mortgage	(4,102)		67,973		(0.05)%
Leasing	(961)		(18,130)		(0.04)%
Consumer:
Credit cards	(4,559)		23,798		(0.51)%
Home equity lines of credit	245		5,593		0.19%
Personal	(2,317)		39,444		(0.23%)
Auto	(6,001)		(17,256)		(0.14%)
Other	(359)		(1,568)		(0.17%)
Total consumer	$(12,991)		$50,011		(0.22%)
Total	$(38,897)		$460,160		(0.12)%

39

Popular, Inc.

Financial Supplement to Second Quarter 2026 Earnings Release

Table R - Reconciliation to GAAP Financial Measures

(Unaudited)

	Quarters ended
(In thousands, except share or per share information)	30-Jun-26	31-Mar-26	30-Jun-25
Total stockholders’ equity	$6,433,005	$6,311,086	$5,954,018
Less: Preferred stock	(22,143)	(22,143)	(22,143)
Less: Goodwill	(789,954)	(789,954)	(802,954)
Less: Other intangibles	(4,308)	(4,692)	(5,844)
Total tangible common equity	$5,616,600	$5,494,297	$5,123,077
Total assets	$78,972,300	$76,131,018	$76,065,090
Less: Goodwill	(789,954)	(789,954)	(802,954)
Less: Other intangibles	(4,308)	(4,692)	(5,844)
Total tangible assets	$78,178,038	$75,336,372	$75,256,292
Tangible common equity to tangible assets	7.18%	7.29%	6.81%
Common shares outstanding at end of period	63,866,681	64,654,788	67,937,468
Tangible book value per common share	$87.94	$84.98	$75.41

	Quarterly average
	30-Jun-26	31-Mar-26	30-Jun-25
Total stockholders’ equity	$6,354,694	$6,289,337	$6,755,783	[1]
Less: Preferred Stock	(22,143)	(22,143)	(22,143)
Less: Goodwill	(789,954)	(789,954)	(802,953)
Less: Other intangibles	(4,559)	(4,944)	(6,096)
Total tangible common equity before adjusting for the impact of unrealized (gains) losses on AFS securities including those transferred to HTM	$5,538,038	$5,472,296	$5,924,591
Return on average tangible common equity before adjusting for the impact of unrealized (gains) losses on AFS securities including those transferred to HTM	20.12%	18.18%	14.38%
Add: Average unrealized (gains) losses on AFS securities	824,631	743,809	94,006
Add: Average unrealized (gains) losses on AFS securities transferred to HTM	184,136	221,114	334,183
Total tangible common equity after adding back of impact of unrealized (gains) losses on AFS securities, including those transferred to HTM	$6,546,805	$6,437,219	$6,352,780
ROTCE	17.02%	15.46%	13.26%

        [1]  Average balances exclude certain unrealized gains or losses on debt securities available-for-sale.

40

CONTACTS:

Popular, Inc.

Investor Relations:

Paul J. Cardillo, 212-417-6721

Senior Vice President and Investor Relations Officer

pcardillo@popular.com

or

Media Relations:

MC González Noguera, 917-804-5253

Executive Vice President and Chief Communications & Public Affairs Officer

mc.gonzalez@popular.com