Santander Bank, N.A.
Total assets
$103.96B
▲ +0.6% YoY
Deposits
$84.39B
▲ +6.1% YoY
Loans
$57.27B
▲ +17.9% YoY
Offices
559
BANCO SANTANDER SA
ROA (annualized)
1.00%
peers 1.23%
ROE (annualized)
7.54%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Santander Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.9% | -5.3 pts |
| Deposit growth (YoY) | +6.1% | +5.7% | +0.4 pts |
| Loan growth (YoY) | +17.9% | +6.9% | +11.0 pts |
| ROA | 1.00% | 1.23% | -0.2 pts |
| ROE | 7.5% | 11.2% | -3.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BANCO SANTANDER SA
- Specialization
- All Other Over 1 Billion
- Address
- 824 N Market St, Wilmington, DE, 19801
- County
- New Castle
- Metro area
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
- Offices
- 559
- FDIC cert #
- 29950
- RSSD ID
- 722777
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.96B | $84.39B | $57.27B | $13.84B | $523.2M | 1.00% | 3.30% | 1.07% |
| Q1 2026 | $106.09B | $85.65B | $55.28B | $13.61B | $263.0M | 1.00% | 2.98% | 1.02% |
| Q4 2025 | $104.15B | $82.14B | $53.03B | $14.17B | $1.39B | 1.36% | 3.08% | 0.95% |
| Q3 2025 | $97.75B | $74.41B | $48.48B | $13.65B | $874.3M | 1.14% | 2.84% | 1.04% |
| Q2 2025 | $103.35B | $79.53B | $48.57B | $13.21B | $501.8M | 0.97% | 2.69% | 1.03% |
| Q1 2025 | $104.56B | $80.78B | $49.77B | $12.84B | $136.3M | 0.53% | 2.57% | 1.07% |
| Q4 2024 | $102.70B | $76.86B | $50.02B | $12.64B | $630.3M | 0.62% | 2.46% | 0.96% |
| Q3 2024 | $101.73B | $76.64B | $51.86B | $12.57B | $509.4M | 0.67% | 2.45% | 0.90% |
Loan mix (Q2 2026): real estate $23.14B · commercial $7.51B · consumer $19.86B · securities $19.74B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Santander Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.23% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.3% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.55% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 54.9% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Santander Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Santander Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Santander Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Santander Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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