Santander Bank, National Association
Wilmington, DE · Cert 29950 · Peer group: banks over $10B in assets (n=142-144) · Banco Santander Sa
National charter · OCC · 368 branches
Q2 2026
$104.0BAssets
$59.1BLoans
$79.1BDeposits
$13.8BEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of banks over $10B in assets (rank 12 of 144).
- Widest gap: nonperforming loans / loans trails 92% of banks over $10B in assets (rank 131 of 142).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.01%
Rank 107 of 144
Net Interest Margin
2.82%
Rank 108 of 144
Efficiency Ratio
50.29%
Rank 39 of 144
Equity / Assets
13.31%
Rank 29 of 144
Non-interest income vs. expense
Unfavorable gap of $0.2B · efficiency ratio beats 74% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 1.00% | 1.26% | 1.54% | Beats 26% | 107 / 144 | |
| Return on Equity | 7.56% | 8.98% | 11.34% | 14.40% | Beats 15% | 122 / 144 | |
| Net Interest Margin | 2.82% | 2.82% | 3.31% | 3.68% | Beats 25% | 108 / 144 | |
| Efficiency Ratio | 50.29% | 49.42% | 56.02% | 62.41% | Beats 74% | 39 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.84% | 0.48% | 0.73% | 1.07% | Beats 8% | 131 / 142 | |
| Net Charge-Offs / Loans | 0.55% | 0.05% | 0.11% | 0.22% | Beats 12% | 126 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 20.26% | 12.07% | 12.98% | 14.92% | Beats 92% | 12 / 144 | |
| Total Risk-Based Capital Ratio | 21.53% | 13.39% | 14.14% | 16.25% | Beats 92% | 12 / 144 | |
| Equity / Assets | 13.31% | 9.69% | 11.39% | 12.96% | Beats 80% | 29 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 74.81% | 75.72% | 84.92% | 91.56% | 23rd pctl | 110 / 143 | |
| Loans / Assets | 56.89% | 59.83% | 69.07% | 74.80% | 20th pctl | 115 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |