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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in DE.
  • Deposits +6.1% year over year ($84.4B on the books).
  • Delinquency rate 1.90%.
  • Return on assets 1.00%.
  • Efficiency ratio 50.18% vs a 53.67% peer average.
  • Loan-to-deposit ratio 67.86% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in DE
View $10B-$250B leaderboard (DE) →

Santander Bank, N.A. has 2 strengths but faces 4 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 37.1% in tier
  • + Efficiency Ratio 3.49% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 26.9% in tier
  • - Delinquency Rate 0.88% above tier average
  • - ROA 0.39% below tier average
  • - Net Interest Margin 0.62% below tier average
Get updates when Santander Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Total Assets ? $104.0B
+0.6% YoY -2.0% QoQ
+$60.4B $43.6B
-13.8% YoY
$72.9B
+3.7% YoY
$6.3B
+7.7% YoY
Top 9.4% in tier
Total Loans ? $57.3B
+17.9% YoY +3.6% QoQ
+$29.3B $28.0B
-8.6% YoY
$40.0B
+6.7% YoY
$3.2B
+9.4% YoY
Top 11.5% in tier
Total Deposits ? $84.4B
+6.1% YoY -1.5% QoQ
+$49.0B $35.4B
-14.0% YoY
$56.7B
+1.8% YoY
$4.9B
+7.3% YoY
Top 9.4% in tier
Return on Assets ? 1.00%
+3.1% YoY -0.1% QoQ
-0.39% 1.39%
+25.9% YoY
2.36%
-9.5% YoY
1.30%
+12.1% YoY
25%
Net Interest Margin ? 3.30%
+22.4% YoY +10.7% QoQ
-0.62% 3.92%
+8.9% YoY
5.72%
+0.9% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 50.18%
-21.7% YoY -7.1% QoQ
-3.49% 53.67%
-1.9% YoY
53.04%
-0.1% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 1.90%
-9.9% YoY +0.5% QoQ
+0.88% 1.01%
-2.8% YoY
1.76%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 8.7% in tier
Loan-to-Deposit Ratio ? 67.86%
+11.1% YoY +5.1% QoQ
-14.75% 82.61%
+3.1% YoY
80.57%
-7.4% YoY
79.03%
+2.3% YoY
85%
Non-Interest-Bearing Deposit Share ? 21.61%
+5.0% YoY +2.8% QoQ
+1.03% 20.58%
+4.9% YoY
23.77%
-3.1% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 1.07%
+3.4% YoY +4.5% QoQ
+0.34% 0.73%
+5.8% YoY
0.52%
+1.1% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 20.26%
+8.0% YoY +2.7% QoQ
+4.91% 15.35%
-0.4% YoY
57.87%
+0.5% YoY
17.09%
+0.8% YoY
Top 7.9% in tier
Non-Interest Income / Assets ? 1.27%
+22.3% YoY +99.2% QoQ
+0.78% 0.50%
+10.5% YoY
2.79%
+1.3% YoY
0.66%
+5.2% YoY
Top 5.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Noninterest-Bearing 21.6%
+1.0pp YoY
+0.6pp QoQ
 +0.6pp 21.0% 27.2% 22.2% 41%
Brokered Deposits 0.1%
-3.4pp YoY
0.0pp QoQ
 -9.1pp 9.2% 18.6% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
C&I 13.1%
-2.2pp YoY
0.0pp QoQ
 -4.1pp 17.2% 8.9% 12.5% 40%
CRE 29.9%
-8.3pp YoY
-2.2pp QoQ
 -12.1pp 42.0% 35.2% 41.4% 26%
1-4 Family 10.5%
-3.6pp YoY
-1.3pp QoQ
 -12.6pp 23.1% 36.6% 31.3% 16%
Consumer 34.7%
+6.3pp YoY
+5.0pp QoQ
 +21.8pp 12.9% 37.2% 5.0% 88%

Capital

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
CET1 Ratio 20.3%
+1.5pp YoY
+0.5pp QoQ
 +5.0pp 15.3% 52.4% 19.7% 92%
Leverage Ratio 12.5%
+0.5pp YoY
+0.1pp QoQ
 +2.1pp 10.4% 28.0% 12.6% 90%
Total Capital Ratio 21.5%
+1.5pp YoY
+0.5pp QoQ
 +5.0pp 16.5% 53.4% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Full-Time Employees 5,678
+278 (+5.1%) YoY
-109 (-1.9%) QoQ
 +2,420 3,258 6,324 482 87%
Assets per Employee ($) $18.3M
-4.3% YoY
-0.1% QoQ
 -$8.7M $27.0M $17.7M $8.8M 71%
Branch Count 368
-32 (-8.0%) YoY
-5 (-1.3%) QoQ
 +230 137 249 18 92%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.9% 0.4% 32%
Nonaccrual 1.9%
-0.2pp YoY
0.0pp QoQ
 +1.2pp 0.7% 1.3% 1.0% 96%
Allowance Coverage 1.73x
+39.3% YoY
+23.9% QoQ
 -1.08x 2.81x 2.44x 20.23x 49%
Net Charge-off Rate (YTD) 0.6%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 0.4% 1.5% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
ROE 7.5%
-0.2pp YoY
0.0pp QoQ
 -5.1pp 12.6% 13.0% 11.6% 15%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.2pp 2.0% 1.7% 1.7% 66%
Net Income ($, YTD) $523.2M
+4.3% YoY
— QoQ
 +$226.4M $296.8M $432.8M $40.4M 86%

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
#14 of 35 • Top 37.1% 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: 1.27%
(Tier: 0.50%, National: 0.66%)
better than tier avg
Return on Assets: 1.00%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Flatlined Growth

risk
#8 of 26 • Bottom 26.9% 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: 1.39%, National: 1.30%)
worse than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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).
Comparing against 139 peers in $10B-$250B

Top Strengths (6 metrics)

9
Non-Interest Income / Assets
revenue_mix
Value: 1.27%
Peer Median: 0.50%
#9 of 139 Top 5.8% in $10B-$250B
12
Tier 1 Capital Ratio
capital
Value: 20.26%
Peer Median: 15.35%
#12 of 139 Top 7.9% in $10B-$250B
14
Total Assets
size
Value: $103.96B
Peer Median: $43.60B
#14 of 139 Top 9.4% in $10B-$250B
14
Total Deposits
size
Value: $84.39B
Peer Median: $35.42B
#14 of 139 Top 9.4% in $10B-$250B
17
Total Loans
size
Value: $57.27B
Peer Median: $27.97B
#17 of 139 Top 11.5% in $10B-$250B
22
Loan-to-Deposit Ratio
liquidity
Value: 67.86%
Peer Median: 82.61%
#22 of 139 Top 15.1% in $10B-$250B

Top Weaknesses (2 metrics)

127
Delinquency Rate
credit_quality
Value: 1.90%
Peer Median: 1.01%
#127 of 138 Bottom 8.7% in $10B-$250B
118
Nonperforming Asset Ratio
credit_quality
Value: 1.07%
Peer Median: 0.73%
#118 of 139 Bottom 15.8% in $10B-$250B
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