Bank Comparison
Santander Bank, N.A. vs TD Bank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| CET1 Ratio | 20.26% | 31.20% |
| Tier 1 Capital Ratio | 20.26% | 31.20% |
| Total Capital Ratio | 21.53% | 32.53% |
| Tier 1 Leverage Ratio | 12.48% | 11.56% |
| Equity / Assets | 13.31% | 11.93% |
Profitability
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 0.71% |
| Return on Equity (ROE) | 7.58% | 6.06% |
| Net Interest Margin (NIM) | 3.42% | 6.24% |
| Yield on Earning Assets | 5.50% | 9.55% |
| Cost of Funds | 2.05% | 3.68% |
Asset quality
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Texas Ratio | 19.48% | 5.03% |
| Non-Performing Loan Ratio | 4.61% | 0.64% |
| Non-Performing Asset Ratio | 2.65% | 0.17% |
| Net Charge-Off Ratio | 0.45% | 5.42% |
| ACL / Loans | 3.17% | 9.90% |
Balance sheet
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Total Assets | $103.96B | $32.13B |
| Total Deposits | $84.39B | $27.18B |
| Total Loans | $59.14B | $8.71B |
| Total Equity | $13.84B | $3.83B |
| Net Income (quarter) | $260.3M | $57.6M |
Liquidity & funding
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 70.08% | 32.06% |
| Core Deposit Ratio | 89.65% | 95.91% |
| Uninsured Deposit Ratio | 31.90% | 1.28% |
Identity
| Metric | Santander Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Headquarters City | Wilmington | Wilmington |
| Headquarters State | DE | DE |
| Asset Tier | $100B to $250B in assets | $10B to $100B in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 559 | 1 |
| Employees (FTE) | 5,678 | 1,251 |
| Established | January 1, 1907 | October 13, 1994 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Santander Bank, N.A. profile | View full TD Bank USA, N.A. profile | Browse all bank comparisons