Santander Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 4.08 percentage points in Q2 2026, from 73.99% to 78.07%. It was the largest change from Q1 2026 among the key lines here. Santander Bank, N.A. ranks 8th of 17 Delaware banks on loan-to-deposit ratio, in the upper half at 70.08% (Q2 2026). The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio. Santander Bank, N.A. sits 11.03 points lower, at 70.08% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $12.58B |
| Cash and noninterest-bearing balances to assets | 12.10% |
| Cash and securities | $32.32B |
| Fed funds sold and reverse repos | $100.0M |
| Fed funds sold and reverse repos to assets | 0.10% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $247.0M |
| Other borrowed money | $3.54B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.41% |
| Trading liabilities | $561.7M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.08% |
| Net loans and leases to deposits | 67.86% |
| Loans and leases to core deposits | 78.07% |
| Core deposits to total deposits | 89.65% |
| Brokered deposits to total deposits | 0.12% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.29% | 87.70% | $284.2M | $8.59B |
| Q4 2023 | 76.23% | 88.68% | $238.5M | $11.19B |
| Q1 2024 | 72.63% | 88.56% | $240.7M | $10.78B |
| Q2 2024 | 73.07% | 88.36% | $209.4M | $9.98B |
| Q3 2024 | 69.40% | 88.12% | $209.1M | $10.04B |
| Q4 2024 | 66.79% | 88.31% | $299.2M | $10.22B |
| Q1 2025 | 63.20% | 89.70% | $250.7M | $8.29B |
| Q2 2025 | 62.67% | 92.04% | $236.8M | $6.69B |
| Q3 2025 | 66.83% | 94.03% | $236.8M | $6.09B |
| Q4 2025 | 66.06% | 88.49% | $234.9M | $4.47B |
| Q1 2026 | 66.25% | 89.42% | $241.9M | $3.63B |
| Q2 2026 | 70.08% | 89.65% | $247.0M | $3.54B |
Santander Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Santander Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)