BanksSANTANDER BANK, NATIONAL ASSOCIATION

SANTANDER BANK, NATIONAL ASSOCIATION

WILMINGTON, DENationalEst. Jan. 1, 1907, midnightFDIC #29950RSSD #722777OCC
Latest · 2025-12-31

SANTANDER BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 20.74%, well above regulatory minimums. NPL ratio: 1.73% · Texas Ratio: 6.37%. Operates 400 domestic branches.

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 Margin3.59%
Yield on Assets6.32%
Cost of Funds3.04%

Asset Quality

NPL Ratio1.73%
Net Charge-Off Ratio0.75%
Texas Ratio6.37%
NPA Ratio0.94%
ACL / Loans2.27%

Capital & Liquidity

CET1 Ratio20.74%
Tier 1 Capital20.74%
Total Capital Ratio22.00%
Leverage Ratio12.61%
Loan-to-Deposit66.06%

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