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Santander Bank, N.A.
Wilmington, DE · FDIC Certificate #29950 · Chartered 01/0
Total assets
$103.96B
Total deposits
$84.39B
Total equity
$13.84B
Net loans
$57.27B
Branches (offices)
368
Net income (YTD)
$523.23M
Rank: #32 of 4,213 U.S. banks by assets · #3 of 15 in Delaware. Assets changed 0.6% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 7.54% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 13.31% |
| Tier 1 leverage ratio | 12.48% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 1.84% |
| Net charge-offs (share of loans) | 0.55% |
| Loans to deposits | 67.9% |
| Real estate loans (share of loans) | 40.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.14B | 40.4% | |
| Commercial & industrial | $7.51B | 13.1% | |
| Consumer / individual | $19.86B | 34.7% | |
| Construction & development | $4.38B | 7.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $93.87B | $71.87B | $217.36M | $11.41B |
| Jun 2023 | $102.25B | $77.10B | $151.75M | $11.41B |
| Jun 2024 | $100.56B | $75.36B | $392.73M | $12.21B |
| Jun 2025 | $103.35B | $79.53B | $501.79M | $13.21B |
| Jun 2026 | $103.96B | $84.39B | $523.23M | $13.84B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $36.64B | 115 |
| Pennsylvania | $14.62B | 63 |
| New Jersey | $12.65B | 86 |
| New York | $9.28B | 59 |
| Rhode Island | $2.66B | 19 |
| Connecticut | $1.74B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $79.06B.
Similar-sized banks
Usaa Federal Savings Bank ($106.19B) · City National Bank ($99.10B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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