Santander Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 63.3% in Q2 2026, from $411.5M to $671.8M. It was the largest change from Q1 2026 among the key lines here. Santander Bank, N.A. ranks 6th of 14 Delaware banks on CET1 ratio, in the upper half at 20.26% (Q2 2026). Santander Bank, N.A.'s CET1 ratio of 20.26% is well above the 12.36% median for banks in the $100B-250B asset tier, a gap of 7.91 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.26% |
| Tier 1 risk-based capital ratio | 20.26% |
| Total risk-based capital ratio | 21.53% |
| Tier 1 leverage ratio | 12.48% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $12.97B |
| Tier 1 capital | $12.97B |
| Total risk-based capital | $13.79B |
| Total equity capital | $13.84B |
| Risk-weighted assets | $64.03B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.31% |
| Tangible equity to tangible assets | 11.99% |
| Equity capital to average assets | 13.13% |
| Internal capital growth rate | 7.65% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $13.79B |
| Retained earnings | $671.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$619.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.80% | 14.80% | 16.06% | 11.36% | $76.79B |
| Q4 2023 | 15.96% | 15.96% | 17.22% | 11.55% | $70.81B |
| Q1 2024 | 16.00% | 16.00% | 17.26% | 11.50% | $71.57B |
| Q2 2024 | 16.42% | 16.42% | 17.68% | 11.77% | $71.14B |
| Q3 2024 | 16.91% | 16.91% | 18.17% | 11.96% | $69.90B |
| Q4 2024 | 17.67% | 17.67% | 18.93% | 11.54% | $67.03B |
| Q1 2025 | 17.88% | 17.88% | 19.14% | 11.71% | $66.60B |
| Q2 2025 | 18.77% | 18.77% | 20.02% | 12.02% | $65.58B |
| Q3 2025 | 19.50% | 19.50% | 20.76% | 12.95% | $65.00B |
| Q4 2025 | 20.74% | 20.74% | 22.00% | 12.61% | $63.22B |
| Q1 2026 | 19.72% | 19.72% | 20.99% | 12.33% | $64.22B |
| Q2 2026 | 20.26% | 20.26% | 21.53% | 12.48% | $64.03B |
Santander Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Santander Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Santander Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29950) · FFIEC NIC profile (RSSD 722777)