Santander Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Santander Bank, N.A. of Wilmington, DE against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.58% | -0.59% | 8th bottom |
| ROAE | 7.58% | 16.81% | -9.23% | 0th bottom |
| Net Interest Margin | 3.42% | 4.23% | -0.81% | 46th below |
| Efficiency Ratio | 46.50% | 55.29% | -8.79% | 85th top |
| PPNR / Avg Assets | 2.94% | 2.63% | +0.31% | 85th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.50% | 6.46% | -0.96% | 54th above |
| Cost of Funds | 2.05% | 2.39% | -0.34% | 62nd above |
| Net Interest Spread | 2.70% | 3.71% | -1.01% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.61% | 1.13% | +3.48% | 0th bottom |
| NPA / Total Assets | 2.65% | 0.72% | +1.93% | 0th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.45% | 1.02% | -0.57% | 31st below |
| ACL / Total Loans | 3.17% | 2.22% | +0.95% | 77th top |
| ACL / NPLs (Coverage) | 68.81% | 211.81% | -143.00% | 15th bottom |
| Texas Ratio | 19.48% | 8.76% | +10.72% | 0th bottom |
| Provision / NCO | 512.60% | 90.47% | +422.13% | 100th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.26% | 13.99% | +6.27% | 92nd top |
| Tier 1 Ratio | 20.26% | 14.14% | +6.12% | 92nd top |
| Total Capital Ratio | 21.53% | 15.72% | +5.81% | 92nd top |
| Leverage Ratio | 12.48% | 9.42% | +3.06% | 92nd top |
| Equity / Assets | 13.31% | 9.70% | +3.61% | 100th top |
| TCE / Tangible Assets | 11.99% | 8.43% | +3.56% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.08% | 76.42% | -6.34% | 77th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.65% | 83.82% | +5.83% | 46th below |
| Uninsured Deposit Ratio | 31.90% | 34.98% | -3.08% | 62nd above |
| Wholesale Funding Ratio | 3.65% | 6.48% | -2.83% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.59% | 13.54% | -12.95% | 8th bottom |
| Loan Growth (Y/Y) | 18.67% | 14.52% | +4.15% | 92nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.11% | 13.07% | -6.96% | 69th above |
See Santander Bank, N.A.'s peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Santander Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Santander Bank, N.A. profile, how to read a UBPR, or how this data updates.