BlastPoint's Banking Scorecard

Santander Bank, N.A.

$10B-$250B Specialty: Other DE FDIC cert 29950

Wilmington, DE

365 branches across MA · NJ · PA · NY · RI · CT · NH · FL · DE

135 banks in the $10B-$250B peer group nationally 4 in DE

Santander Bank, N.A. has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 29.4% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 37.5% in tier
- NIB Deposit Bleed: Bottom 75.0% in tier
- ROA 0.28% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 0.10% above tier average
- Delinquency Rate 0.87% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$106.1B +1.5% YoY +1.9% QoQ	+$58.7B	$47.4B -2.0% YoY	$70.8B +0.0% YoY	$6.2B +9.0% YoY	Top 11.1% in tier
Total Loans ?	$55.3B +11.1% YoY +4.3% QoQ	+$25.7B	$29.6B -0.4% YoY	$38.8B +4.8% YoY	$3.2B +10.7% YoY	Top 14.1% in tier
Total Deposits ?	$85.6B +6.0% YoY +4.3% QoQ	+$46.9B	$38.7B -1.6% YoY	$56.2B +0.9% YoY	$4.8B +8.0% YoY	Top 11.1% in tier
Return on Assets ?	1.00% +90.2% YoY -26.3% QoQ	-0.28%	1.28% +19.3% YoY	2.25% -5.9% YoY	1.24% +13.1% YoY	33%
Net Interest Margin ?	2.98% +15.8% YoY -3.4% QoQ	-0.79%	3.77% +5.6% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	54.01% -25.5% YoY -9.6% QoQ	+0.10%	53.90% -4.0% YoY	53.58% -1.6% YoY	66.84% -3.8% YoY	58%
Delinquency Rate ?	1.89% -11.7% YoY +5.8% QoQ	+0.87%	1.02% -4.1% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 10.4% in tier
Loan-to-Deposit Ratio ?	64.55% +4.8% YoY -0.0% QoQ	-16.34%	80.88% +2.0% YoY	82.81% -6.4% YoY	76.69% +0.9% YoY	Top 12.6% in tier
Non-Interest-Bearing Deposit Share ?	21.03% -8.9% YoY +2.1% QoQ	+1.21%	19.82% +0.3% YoY	23.71% -4.5% YoY	22.01% -1.1% YoY	45%
Nonperforming Asset Ratio ?	1.02% -4.7% YoY +7.5% QoQ	+0.29%	0.73% +4.0% YoY	0.52% -2.0% YoY	0.66% +19.3% YoY	Bottom 14.8% in tier
Tier 1 Capital Ratio ?	19.72% +10.3% YoY -4.9% QoQ	+4.16%	15.56% -0.1% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Top 8.9% in tier
Non-Interest Income / Assets ?	0.64% +58.6% YoY -75.0% QoQ	+0.41%	0.23% +0.9% YoY	1.31% -6.4% YoY	0.32% +4.0% YoY	Top 3.7% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#11 of 34 • Top 29.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.64%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 1.28%, National: 1.24%)

but worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Flatlined Growth

risk

#10 of 24 • Bottom 37.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.00%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +33 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#4 of 4 • Bottom 75.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 21.03%

(Tier: 19.82%, National: 22.01%)

better than tier avg

4 of 4 Large banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.64%

Peer Median: 0.23%

#6 of 135 Top 3.7% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 19.72%

Peer Median: 15.56%

#13 of 135 Top 8.9% in $10B-$250B

Total Assets

size

Value: $106.09B

Peer Median: $47.36B

#16 of 135 Top 11.1% in $10B-$250B

Total Deposits

size

Value: $85.65B

Peer Median: $38.75B

#16 of 135 Top 11.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 64.55%

Peer Median: 80.88%

#18 of 135 Top 12.6% in $10B-$250B

Total Loans

size

Value: $55.28B

Peer Median: $29.62B

#20 of 135 Top 14.1% in $10B-$250B

Top Weaknesses (3 metrics)

121

Delinquency Rate

credit_quality

Value: 1.89%

Peer Median: 1.02%

#121 of 134 Bottom 10.4% in $10B-$250B

116

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.73%

#116 of 135 Bottom 14.8% in $10B-$250B

103

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.77%

#103 of 135 Bottom 24.4% in $10B-$250B