Santander Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.25 percentage points higher than in Q1 2026, at 68.81%. Within Delaware, Santander Bank, N.A. is 13th of 17 on return on assets, 0.99% as of Q2 2026, below the middle of the field. Santander Bank, N.A. reported 0.99% on return on assets for Q2 2026, 0.22 points below the 1.21% median for banks in the $100B-250B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.26% |
| Tier 1 risk-based capital ratio | 20.26% |
| Total risk-based capital ratio | 21.53% |
| Tier 1 leverage ratio | 12.48% |
| Equity capital to assets | 13.31% |
| Tangible equity to tangible assets | 11.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.61% |
| Non-performing assets ratio | 2.65% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 19.48% |
| Allowance for credit losses to loans | 3.17% |
| Reserve coverage of non-performing loans | 68.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 7.58% |
| Net interest margin | 3.42% |
| Efficiency ratio | 46.50% |
| Yield on earning assets | 5.50% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.08% |
| Core deposits to total deposits | 89.65% |
| Brokered deposits to total deposits | 0.12% |
| Deposits to assets | 81.17% |
| Securities to assets | 18.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.80% | 14.80% | 16.06% | 11.36% | 0.25% |
| Q4 2023 | 15.96% | 15.96% | 17.22% | 11.55% | 0.19% |
| Q1 2024 | 16.00% | 16.00% | 17.26% | 11.50% | 0.73% |
| Q2 2024 | 16.42% | 16.42% | 17.68% | 11.77% | 0.82% |
| Q3 2024 | 16.91% | 16.91% | 18.17% | 11.96% | 0.47% |
| Q4 2024 | 17.67% | 17.67% | 18.93% | 11.54% | 0.46% |
| Q1 2025 | 17.88% | 17.88% | 19.14% | 11.71% | 0.53% |
| Q2 2025 | 18.77% | 18.77% | 20.02% | 12.02% | 1.41% |
| Q3 2025 | 19.50% | 19.50% | 20.76% | 12.95% | 1.50% |
| Q4 2025 | 20.74% | 20.74% | 22.00% | 12.61% | 1.96% |
| Q1 2026 | 19.72% | 19.72% | 20.99% | 12.33% | 1.01% |
| Q2 2026 | 20.26% | 20.26% | 21.53% | 12.48% | 0.99% |
Santander Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Santander Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)