Santander Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Santander Bank, N.A. is one of the largest US commercial banks by assets, headquartered in Wilmington, DE. On its most recent Q2 2026 call report, Santander Bank reported $104.0B in total assets against $84.4B in deposits. Profitability tracks the broader industry: ROA 0.99%, ROE 7.58%, NIM 3.42%. Capital cushions are healthy: 20.26% CET1, 12.48% Tier 1 leverage. Credit metrics show stress, 4.61% NPLs and a 19.48% Texas Ratio above the 100% historical failure threshold. A 559-branch network serves customers across multiple states.
As of June 30, 2026, Santander Bank, N.A. reported a CET1 capital ratio of 20.26%, a return on assets of 0.99%, a nonperforming-loan ratio of 4.61%, a Texas ratio of 19.48%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 824 N Market St, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1907
- Former names
- Sovereign Bank, National Association (2012-2013); Sovereign Bank (1996-2012); Sovereign Bank, A Federal Savings Bank (1991-1996); Penn Savings Bank FSB (1984-1991)
- Offices
- 559 domestic
- Employees (FTE)
- 5,678
- Domestic deposits
- $79.06B
- Allowance for credit losses
- $1.88B
- Net charge-offs (YTD)
- $156.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29950
- Fed RSSD
- 722777
- Website
- www.santander.com →
- Parent Holding Company
- SANTANDER HOLDINGS USA, INC. (RSSD 3981856) · SNUS-PH
- Ultimate Parent
- BANCO SANTANDER, S.A. (RSSD 1239254)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Santander Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Santander Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Santander Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Santander Bank, N.A.
- Webster Bank, N.A., effective August 20, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.26% | 0.99% | 4.61% | 19.48% | 3.42% |
| Q1 2026 | 19.72% | 1.01% | 4.70% | 20.10% | 2.89% |
| Q4 2025 | 20.74% | 1.96% | 3.94% | 15.81% | 3.57% |
| Q3 2025 | 19.50% | 1.50% | 5.03% | 19.13% | 3.01% |
| Q2 2025 | 18.77% | 1.41% | 4.94% | 19.46% | 2.68% |
| Q1 2025 | 17.88% | 0.53% | 4.61% | 19.21% | 2.48% |
| Q4 2024 | 17.67% | 0.46% | 3.62% | 15.50% | 2.35% |
| Q3 2024 | 16.91% | 0.47% | 3.12% | 13.69% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 368 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Digital.Openbank.Us Branch | Quincy , MA | 02171 | $11.41B |
| State Street Branch | Boston , MA | 02109 | $10.69B |
| State Hill Branch | Wyomissing , PA | 19610 | $4.74B |
| Market Street Branch | Philadelphia , PA | 19103 | $3.41B |
| Montague Street Branch | Brooklyn , NY | 11201 | $1.53B |
| One Financial Plaza Branch | Providence , RI | 02903 | $621.8M |
| Union Hill & Wild Turkey Way Branch | Manalapan , NJ | 07726 | $557.3M |
| Lexington Avenue Branch | New York , NY | 10022 | $535.1M |
| 241 Central Avenue Branch | Jersey City , NJ | 07307 | $491.4M |
| Reading Pa Branch | Reading , PA | 19601 | $402.3M |
| West New Brighton Branch | Staten Island , NY | 10301 | $361.0M |
| Worcester - Gold Star Branch | Worcester , MA | 01605 | $304.8M |
| Gallivan Boulevard Branch | Boston , MA | 02122 | $296.2M |
| Farmington Avenue Branch | West Hartford , CT | 06107 | $281.8M |
| 9512 Third Avenue Branch | Brooklyn , NY | 11209 | $281.0M |
| Sayreville Branch | South Amboy , NJ | 08879 | $277.8M |
| Boston- Boylston Street Branch | Boston , MA | 02116 | $277.0M |
| Allen Street Branch | New Bedford , MA | 02740 | $272.9M |
| Lunds Corner Branch | New Bedford , MA | 02745 | $271.2M |
| Framingham Route 30 Branch | Framingham , MA | 01701 | $268.9M |
| Schuylkill Haven Branch | Schuylkill Haven , PA | 17972 | $257.8M |
| New Dorp Branch | Staten Island , NY | 10306 | $257.5M |
| Lexington Center Branch | Lexington , MA | 02420 | $256.6M |
| Andover Branch | Andover , MA | 01810 | $252.0M |
| Oakwood Branch | Staten Island , NY | 10306 | $249.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2026 | Structure Change | Acquired Webster Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2008 | Structure Change | Acquired Sov Trust Manager Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2006 | Structure Change | Acquired Independence Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 2005 | Structure Change | Acquired Waypoint Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 24, 2004 | Structure Change | Acquired Compass Bank for Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 23, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 23, 2004 | Structure Change | Acquired Nantucket Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 7, 2004 | Structure Change | Acquired First Essex Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2002 | Structure Change | Acquired Sovereign Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2002 | Structure Change | Acquired Main Street Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1999 | Structure Change | Acquired Trenton Savings Bank FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1998 | Structure Change | Acquired First Home Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1998 | Structure Change | Acquired Main Line Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 30, 1997 | Structure Change | Acquired Bankers Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1997 | Structure Change | Acquired Sovereign Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 1997 | Structure Change | Acquired First Dewitt Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1996 | Structure Change | Acquired West Jersey Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1994 | Structure Change | Acquired Charter Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 17, 1994 | Structure Change | Acquired Second National Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 6, 1994 | Structure Change | Acquired Shadow Lawn Savings Bank, SLA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 5, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1993 | Structure Change | Acquired Valley Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1993 | Structure Change | Acquired Home Unity Federal Savings and Loan Assc Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 27, 1993 | Merger | Rtc Assisted Merger | FDIC |
| January 16, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 1993 | Structure Change | Acquired Harmonia Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 12, 1992 | Structure Change | Acquired Jersey Shore Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Structure Change | Acquired Yardley Bank for Savings, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 7, 1991 | Structure Change | Acquired United Savings & Loan Association of Trenton, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 6, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 1991 | Structure Change | Acquired Nassau Federal Savings & Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 23, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 49 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Santander Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (OCC); 14 against individuals associated with it
- February 8, 2016, OCC: Civil Money Penalty (CMP): Santander Bank, National Association
- June 16, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Santander Bank, National Association
- March 26, 2015, OCC: C&D or PC&D Requiring Restitution: Santander Bank, National Association
- March 26, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Santander Bank, National Association
- March 26, 2015, OCC: Civil Money Penalty (CMP): Santander Bank, National Association
- Period: Most recent institution action February 8, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in DE, rank 26 of 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 70 loans originated, $1.25B originated, across 20 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 6,673 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Santander Bank, N.A.
What are Santander Bank, N.A.'s total assets?
As of the Q2 2026 filing, Santander Bank, N.A. reported total assets of $103.96 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Santander Bank, N.A. headquartered?
Santander Bank, N.A. is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Santander Bank, N.A. founded?
Santander Bank, N.A. was established in 1907, per the FDIC institution directory.
Is Santander Bank, N.A. FDIC-insured?
Yes. Santander Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #29950). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Santander Bank, N.A.?
Santander Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Santander Bank, N.A.'s CET1 capital ratio?
Santander Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 20.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Santander Bank, N.A. operate?
Santander Bank, N.A. operates 559 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Santander Bank, N.A.'s Texas Ratio?
Santander Bank, N.A.'s Texas Ratio is 19.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Santander Bank, N.A. previously called?
The charter now named Santander Bank, N.A. has also operated as Sovereign Bank, National Association (2012-2013), Sovereign Bank (1996-2012), Sovereign Bank, A Federal Savings Bank (1991-1996), Penn Savings Bank FSB (1984-1991), per FDIC structure-change records.
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