🏦Bank Scorer

This institution is no longer active

Operations ceased on December 31, 2019. CRA examination history below reflects the period it was active.

SCOTIABANK DE PUERTO RICO

SAN JUAN, PR · Supervised by FDIC

Est. 1979FDIC #22,946RSSD: FDIC-22946
Part ofBANK OF NOVA SCOTIA THE→ View all charters
Satisfactory Same

Current rating · Exam: January 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.80%

Institution Profile

FDIC BankFind

Address

290 Jesus T. Pinero Avenue, SAN JUAN, PR

County

San Juan County

Established

September 7, 1979

Total Assets

$3.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2018

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2019Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$2.7B

Net Loans

$2.0B

Net Income

$51M

ROA

1.80%

ROE

8.02%

Risk-Based Capital

41.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate24.84%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20191,97749.87%24.84%
20181,81248.62%27.04%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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