SANTANDER BANK, NATIONAL ASSOCIATION

WILMINGTON, DE | National | Est. Jan. 1, 1907, midnight | FDIC #29950 | RSSD #722777 | OCC
Latest Report: 2025-12-31

SANTANDER BANK, NATIONAL ASSOCIATION is ann national FDIC-insured commercial bank headquartered in WILMINGTON, DE, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $104.1B and total deposits of $82.1B. Profitability stands at 2.05% ROA and 14.86% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 20.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.73% and a Texas Ratio of 6.37%. FDIC Certificate #29950.

Assets

$104.1B

Deposits

$82.1B

Loans

$54.3B

Equity

$14.2B

Profitability

Return on Assets (ROA) 2.05%
Return on Equity (ROE) 14.86%
Net Interest Margin (NIM) 3.59%
Yield on Assets 6.32%
Cost of Funds 3.91%

Asset Quality

NPL Ratio 1.73%
Net Charge-Off Ratio 0.75%
Texas Ratio 6.37%
NPA Ratio 0.94%
ACL / Loans 2.27%

Capital & Liquidity

CET1 Ratio 20.74%
Tier 1 Capital 20.74%
Total Capital Ratio 22.00%
Leverage Ratio 12.61%
Loan-to-Deposit 66.06%

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