Santander Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.80 percentage points in Q2 2026, from 119.16% to 109.36%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.14B |
| Net loans and leases | $57.27B |
| Loans held for sale | $742.0M |
| Loans to total assets | 56.89% |
| Loan-to-deposit ratio | 70.08% |
| Net loans to equity capital | 4.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.71% |
| Multifamily (5+ residential) | 15.85% |
| Commercial and industrial | 12.71% |
| Consumer | 33.58% |
| Credit cards | 0.63% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.36% |
| Construction concentration (Tier 1 capital + allowance) | 29.52% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.68% |
| Interest income on loans | $967.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $58.55B | $74.79B | 7.42% | 17.90% | 29.58% |
| Q4 2023 | $56.85B | $74.58B | 7.26% | 17.11% | 29.99% |
| Q1 2024 | $55.50B | $76.41B | 8.31% | 17.18% | 28.71% |
| Q2 2024 | $55.07B | $75.36B | 7.40% | 17.04% | 29.90% |
| Q3 2024 | $53.19B | $76.64B | 7.58% | 16.10% | 29.32% |
| Q4 2024 | $51.34B | $76.86B | 7.88% | 14.92% | 29.59% |
| Q1 2025 | $51.05B | $80.78B | 8.18% | 14.80% | 29.48% |
| Q2 2025 | $49.84B | $79.53B | 8.20% | 14.96% | 27.68% |
| Q3 2025 | $49.73B | $74.41B | 7.60% | 14.48% | 28.81% |
| Q4 2025 | $54.26B | $82.14B | 6.68% | 13.45% | 25.92% |
| Q1 2026 | $56.74B | $85.65B | 6.41% | 12.76% | 28.91% |
| Q2 2026 | $59.14B | $84.39B | 5.71% | 12.71% | 33.58% |
Santander Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Santander Bank, N.A., freeSource: Call Report Schedule RC-C, 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)