First BanCorp Reports Second Quarter 2026 Financial Results and Schedules Earnings Conference Call

About First BanCorp and Its Banking Operations

First BanCorp. is a bank holding company incorporated in Puerto Rico and headquartered in San Juan. The corporation operates FirstBank Puerto Rico, commonly referred to as FirstBank or the Bank, which serves as its principal operating subsidiary. The company's common stock trades on the New York Stock Exchange under the ticker symbol FBP. First BanCorp maintains its executive offices at 1519 Ponce de Leon Avenue in San Juan, Puerto Rico, and operates as a significant financial institution serving the Puerto Rico market and surrounding regions.

As a Puerto Rico-based financial holding company, First BanCorp engages in traditional commercial and retail banking activities through its FirstBank subsidiary. The corporation provides banking services to individuals, businesses, and other entities within its operating footprint. The announcement of quarterly results represents a routine disclosure of the company's operational and financial performance for investors monitoring the institution's progress throughout the fiscal year.

Second Quarter 2026 Results Release and Timing

On July 22, 2026, First BanCorp issued a press release announcing its unaudited results of operations for the three-month period ending June 30, 2026. The disclosure included comprehensive financial information reflecting the company's performance during the second quarter. The announcement was made on the same date as the earnings conference call, allowing investors and market participants to receive both the detailed results and management's commentary on performance simultaneously.

The timing of the disclosure followed the company's prior announcement on June 22, 2026, which provided notice of the earnings presentation date and conference call logistics. This structured approach to earnings communication allows First BanCorp to provide transparency to its investor base regarding quarterly performance and strategic developments. The press release, filed as part of the company's formal regulatory update, included detailed financial metrics and operational highlights from the quarter.

Investor Conference Call and Webcast Access Details

First BanCorp scheduled a live conference call for Wednesday, July 22, 2026, at 10:00 a.m. Eastern time to discuss the financial results for the quarter ended June 30, 2026. Investors and interested parties could access the call through multiple channels. The live webcast was available through the corporation's investor relations website at www.fbpinvestor.com, providing convenient online access to management's presentation and subsequent question-and-answer session.

Participants who preferred traditional telephone access could dial either 800-715-9871 (toll-free) or 646-307-1963 (international/alternative number) to join the call. The company provided a participant access code of 1895316 for those calling in by phone. This multi-channel approach to the earnings call reflects investor relations best practices, accommodating both technology-enabled and traditional participation methods for shareholders, analysts, and other market observers seeking direct access to management's commentary on quarterly results.

Presentation Materials and Investor Communication

First BanCorp prepared a comprehensive presentation specifically designed for use during its conference call to discuss financial results for the quarter ended June 30, 2026. The presentation materials were incorporated into the formal regulatory update, providing investors with detailed visual and analytical support for management's discussion of second quarter performance. These materials supplemented the press release announcement, offering additional context and supporting data for investors seeking deeper insight into the company's quarterly results.

The presentation was filed as Exhibit 99.2 within the corporation's regulatory disclosure, making it readily available to all investors through the SEC's EDGAR system and the company's investor relations platforms. By providing both narrative press release content and detailed presentation slides, First BanCorp enabled investors to access information in formats suited to different analytical preferences. The structured disclosure approach aligns with standard practices among publicly traded financial institutions communicating quarterly performance to capital markets.

Regulatory Filing and Corporate Governance Considerations

First BanCorp filed a current report covering the disclosure of second quarter 2026 financial results on the same date as the announcement. The regulatory filing was executed by Said Ortiz, Executive Vice President and Chief Financial Officer, on behalf of the corporation. The filing included specific certifications regarding the authenticity and authorization of the corporate disclosure, with appropriate signature authority confirming the legitimacy of the announcement and its supporting materials.

The corporation is not classified as an emerging growth company, meaning it operates under the full set of SEC disclosure requirements applicable to established public companies. This regulatory status reflects First BanCorp's size, market position, and tenure as a publicly traded entity. The formal filing process, including signature authority and exhibit documentation, demonstrates the company's adherence to SEC regulations governing periodic disclosure of material corporate information and financial results.

Financial Results Reporting and Disclosure Framework

The announcement of second quarter 2026 results was made under Item 2.02 of Form 8-K, which addresses results of operations and financial condition. This regulatory framework requires companies to disclose material changes in financial performance or operational results. First BanCorp's disclosure on July 22, 2026, satisfied this requirement by announcing unaudited second quarter results through both press release and management presentation formats, providing comprehensive financial information to the investing public.

The unaudited nature of the second quarter results reflects the interim reporting standards applicable to public companies during the fiscal year. These interim disclosures provide investors with timely visibility into quarterly performance between annual audited financial statements. First BanCorp's quarterly reporting cadence allows shareholders and analysts to monitor the company's financial trajectory throughout the year, supporting informed investment decision-making and market-based pricing of the company's securities.

Puerto Rico Banking Market Context

As a Puerto Rico-based banking institution, First BanCorp operates within a distinct financial market with unique economic, regulatory, and competitive characteristics. The company's primary operating footprint centers on the Puerto Rico economy and related financial markets. FirstBank Puerto Rico serves as the corporation's flagship banking subsidiary, positioning First BanCorp as a significant participant in the local financial services industry serving both individual and institutional customers throughout the jurisdiction.

The Puerto Rico banking market operates under specific regulatory oversight and economic conditions distinct from mainland U.S. financial markets. First BanCorp's quarterly performance disclosures provide investors with insight into the company's operational efficiency, asset quality, profitability, and strategic positioning within this regional banking environment. The company's results reflect both the broader economic conditions affecting Puerto Rico and management's execution of the institution's banking strategy and operational objectives.

Investor Relations and Shareholder Communication Strategy

First BanCorp maintains a dedicated investor relations infrastructure, operating the website www.fbpinvestor.com to provide shareholders and financial analysts with company information, corporate disclosures, and investor resources. The website serves as a central hub for accessing earnings announcements, conference call recordings, presentations, and other investor-related materials. This digital investor relations platform reflects the company's commitment to transparent and accessible communication with its shareholder base and the investment community.

The corporation's earnings announcement process, including scheduled conference calls, webcast access, and presentation materials, demonstrates a structured approach to investor engagement. By providing multiple channels for accessing earnings information and management commentary, First BanCorp accommodates diverse investor preferences and geographic locations. This communication strategy supports informed decision-making by shareholders and facilitates efficient capital market pricing of the company's common stock.

Forward-Looking Information and Investor Considerations

First BanCorp's quarterly results announcement and conference call presentation may contain forward-looking statements regarding the company's future financial performance, strategic initiatives, or operational outlook. Investors reviewing the company's second quarter 2026 results should consider that actual future results may differ materially from projections or forward-looking statements due to various business, economic, and market factors. The company's operating environment in Puerto Rico, competitive banking market dynamics, and broader economic conditions influence the corporation's financial trajectory.

Investors analyzing First BanCorp should monitor the company's subsequent quarterly results, regulatory filings, and management commentary for insight into operational trends and strategic execution. The corporation's profitability, asset quality metrics, capital position, and loan growth rates represent key performance indicators that shareholders typically track when evaluating banking company investments. First BanCorp's disclosure practices and investor communication channels provide mechanisms for shareholders to stay informed regarding material corporate developments and financial performance between formal earnings announcements.