Wilmington, DE · Cert 29950 · Banco Santander Sa
National charter · OCC · 368 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 5.7% share · #4 of 100 inst. · $33.2B of $580.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.14% | 1.36% | 1.00% | 1.00% | +3 bps | |
| Return on Equity | 7.78% | 8.91% | 10.46% | 7.57% | 7.54% | -24 bps | |
| Net Interest Margin | 2.22% | 2.43% | 2.50% | 2.59% | 2.82% | +59 bps | |
| Efficiency Ratio | 64.07% | 61.44% | 59.71% | 54.01% | 50.18% | -1,389 bps | |
| Non-Interest Burden | 0.68% | 0.61% | 0.48% | 0.21% | 0.17% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | -3.92% | 1.41% | 1.47% | 0.59% | -218 bps | |
| Loan Growth (YoY) | -9.49% | -6.50% | 5.70% | 11.13% | 18.67% | +2,816 bps | |
| Deposit Growth (YoY) | 5.53% | -2.91% | -0.72% | -0.82% | -0.59% | -612 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.05% | 1.96% | 1.75% | 1.84% | 1.84% | -22 bps | |
| Net Charge-Offs / Loans | 0.81% | 0.81% | 0.75% | 0.64% | 0.53% | -29 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.02% | 12.95% | 12.61% | 12.33% | 12.48% | +46 bps | |
| Total Risk-Based Capital | 20.02% | 20.76% | 22.00% | 20.99% | 21.53% | +151 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.67% | 66.83% | 71.11% | 70.81% | 74.81% | +1,214 bps | |
| Liquid Assets / Assets | 10.08% | 11.55% | 12.21% | 12.07% | 12.01% | +193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |