fbpPRQ42025 1 2 3 Exhibits 99.1 and 99.2 referenced therein, shall not be deemed “filed” for purposes of Section 18 4 5 Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report By: /s/ Orlando Berges Name: Orlando Berges Title: EVP and Chief Financial Officer
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
Form
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported):
January 27, 2026
First BanCorp.
(Exact Name of Registrant as Specified in its Charter)
Puerto Rico
001-14793
66-0561882
(State or Other Jurisdiction
of Incorporation)
(Commission
File Number)
(I.R.S. Employer
Identification No.)
1519 Ponce de Leon Ave.
P.O. Box 9146
San Juan
,
Puerto Rico
00908-0146
(Address of Principal Executive Offices)
(Zip Code)
(
787
)
729-8200
(Registrant’s Telephone Number, including Area Code)
Not applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of
the registrant under any of the following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a -12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which
registered
Common Stock ($0.10 par value)
FBP
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the
Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2
of this chapter).
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of
the Exchange Act.
☐
Item 2.02
Results of Operations and Financial Condition.
On January 27, 2026, First BanCorp. (the “Corporation”), the bank holding company for FirstBank Puerto Rico
(“FirstBank” or the “Bank”), issued a press release announcing its unaudited results of operations for the quarter ended
December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by
reference.
A copy of the presentation that the Corporation will use at its conference call to discuss its financial results for the
quarter ended December 31, 2025 is attached hereto as Exhibit 99.2 and is incorporated herein by reference. As
announced in a press release dated December 23, 2025, the call may be accessed via a live Internet webcast at 10:00
a.m. Eastern time on Tuesday, January 27, 2026, through the Corporation’s investor relations website:
www.fbpinvestor.com or through the dial-in telephone number 833-470-1428 or 646-844-6383. The participant access
code is 822609.
Item 9.01
Financial Statements and Exhibits
(d) Exhibits
Exhibit
Description of Exhibit
99.1 Press Release dated January 27, 2026 - First BanCorp Announces Earnings for the quarter ended
December 31, 2025
99.2 First BanCorp Conference Call Presentation – Financial Results for the quarter ended December 31,
2025
104 Cover Page Interactive Data File (embedded within the Inline XBRL document).
of the Securities Exchange Act of 1934, as amended, nor shall Exhibits 99.1 and 99.2 be deemed
incorporated by reference in any filings under the Securities Act of 1933, as amended.
Exhibit Index
Exhibit
Description of Exhibit
Press Release dated January 27, 2026 - First BanCorp Announces Earnings for the quarter ended
December 31, 2025
First BanCorp Conference Call Presentation – Financial Results for the quarter ended December 31, 2025
104
Cover Page Interactive Data File (embedded within the Inline XBRL document).
Exhibits 99.1 and 99.2 referenced therein, shall not be deemed “filed” for purposes of Section 18 of the
Securities Exchange Act of 1934, as amended, nor shall Exhibits 99.1 and 99.2 be deemed incorporated
by reference in any filings under the Securities Act of 1933, as amended.
SIGNATURE
to be signed on its behalf by the undersigned hereunto duly authorized.
Date: January 27, 2026
First BanCorp.