# SANTANDER BANK N A
WILMINGTON, DE · FDIC certificate 29950 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $103.96B | |
| Deposits | $84.39B | |
| Loans and leases | $59.14B | |
| Total equity | $13.84B | |
| Loans / deposits | 67.86% (p44 of band) | 72.53% |
| Liquid assets / assets | 31.19% (p50 of band) | |
| Uninsured deposits / deposits | 31.90% (p28 of band) | 42.66% |
| Brokered deposits | 0.10% | |
| Wholesale funding | 3.74% (p3 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 12.48% (p97 of band) | 9.44% |
| Unrealized securities loss / equity | -14.76% (p31 of band) | -9.97% |
| AOCI / equity | -0.50% (p59 of band) | |
| ROA (annualized) | 1.00% (p25 of band) | 1.18% |
| Net interest margin | 3.30% (p69 of band) | 3.14% |
| Efficiency ratio | 50.18% (p25 of band) | |
| Noncurrent loans | 1.84% (p97 of band) | 0.85% |
| Net charge-offs (annualized) | 0.30% (p75 of band) | |
| Reserve coverage of noncurrent | 172.62% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 31.67% (p94 of band) | |
| Auto loans | $19.40B (32.81% of loans; DQ 4.45%, NCO 0.21%) | |
| Loans to nondepository financials | $1.02B (7% of equity) (p12 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 5678 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 4 | NIM <2.5% |  |
| 2013-06 | 3 |  | loans exceed deposits |
| 2013-09 | 3 | assets shrinking | wholesale funding >15% |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 1 |  | NIM <2.5%, assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | wholesale funding >15%, capital falling |  |
| 2015-03 | 3 | expense ratio p90, NIM <2.5% | reserve under noncurrent, capital falling |
| 2015-06 | 2 |  | expense ratio p90 |
| 2015-09 | 4 | capital falling, expense ratio p90 |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 6 | losing money, reserve under noncurrent |  |
| 2016-06 | 4 |  | capital falling, losing money |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 4 | reserve under noncurrent, assets shrinking | wholesale funding >15% |
| 2017-03 | 3 |  | NIM <2.5% |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | deposits shrinking | reserve under noncurrent |
| 2017-12 | 4 | reserve under noncurrent |  |
| 2018-03 | 3 |  | deposits shrinking |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | losing money |
| 2021-06 | 3 | capital falling, NIM <2.5% |  |
| 2021-09 | 4 | auto book souring |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 4 | deposits shrinking |  |
| 2022-09 | 4 | uninsured deposits leaving | NIM <2.5% |
| 2022-12 | 5 | charge-offs p90 |  |
| 2023-03 | 3 | wholesale funding >15%, capital falling | auto book souring, deposits shrinking, uninsured deposits leaving, charge-offs p90 |
| 2023-06 | 3 | auto book souring | capital falling |
| 2023-09 | 4 | charge-offs p90 |  |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 4 | NIM <2.5% |  |
| 2024-06 | 3 |  | expense ratio p90 |
| 2024-09 | 3 | expense ratio p90 | wholesale funding >15% |
| 2024-12 | 4 | wholesale funding >15% |  |
| 2025-03 | 3 | noncurrent p90 | NIM <2.5%, wholesale funding >15% |
| 2025-06 | 2 |  | expense ratio p90 |
| 2025-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2025-12 | 2 | noncurrent p90 | charge-offs p90 |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-04 [Santander bolsters US presence with $12.2bn Webster Bank deal - FinTech Futures](https://news.google.com/rss/articles/CBMimwFBVV95cUxPQk9rb0VCWnRzMW05aHE5TE9KdDdwaTZheE0wWnpmNGRMM181V1pmRVhHNXhEWFZPQ0FkZU45MXZHaXVEZUlUZjR2RnlPZ2pacnhUZDVrVFpsRkEyWEpGQThNRjZjdXUwOGY0V1pEOHVXS1dMcEpWZHBxclZ3aXFxNDNqbFRXU3YxVkJiWlBkVFJnMk83aEU2cWhtbw?oc=5) · FinTech Futures
- 2026-08-20 [Santander completes acquisition of Webster in the U.S. - santander.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPd3dTUjd3cEdoc2o0b1FEWWgwRUd0bVpscTVIbmdYNm0zcXFWd1lTTXlGUVE1UWdSTlVhNmREc0JvTXhUUmowUmo5cDdOU3ZzcVVvXzl6aGVianhnZS05N1E4UWctcl8ybWg4NWFKX3JseHppczJaR1lnb1J6T3hWeThEa0M0WjZnTy1UM2o4RUpEYXpNdjRBMVY5MHhoYmgyQUQ1VndQVkcxQVVVRmp2aEF2a283QXhFNldDUnNlelk4Vldyc2dQYXhXcw?oc=5) · santander.com
- 2025-11-10 [Community Bank, N.A. Completes Acquisition of Seven Former Santander Bank, N.A. Branches in Allentown, Pennyslvania Area - Business Wire](https://news.google.com/rss/articles/CBMihAJBVV95cUxPZnFFYktpdDRaWW56S1pDSWVXTG5xdDByVXZyVkM5Nzd5UmU1X3FpWnJodVBGSkhvM2MtR2x6ZlcwYnpINkFmUVFoRG0xSW1NZm9QeGpzc2VQcmRxa3dHeGVmcVJTX0s4ZWtlbE83eWNUN0NJZl9hU2J1Zk5QQWZ6ZnlHaFJ5bGJQQ0hMcks5YXczb0ZKR1l4akg5Q3psWWRxaW1hZExibHhTXzRxUjBIc2xCUDZvWmxWa0d4MUJrUmw4Unh0UnBBN05YV0lZRlprUzQxYXI0WDl6SmI2UmtIdzZWS2wxNkZwNklTM1pmeFdyb3AxNTV2NDRuY2liUi1mWWdQUw?oc=5) · Business Wire
- 2026-02-03 [Banco Santander Strikes $12.3 Billion Deal for Webster Financial in U.S. Expansion - wsj.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPV28tcUR0MDBmZ2FZcVNkbjFxemNKVU93VnNtdk85MnZETGp0Z19xNGotS3N5eXB4TnBLbFdidDlySVNJYWlLdG0tSW02b3RKZzh5NXBvME5RRGtneXlBU3k2NnQzQnVFTW90ZHhGNmFXQUtKcXJCOWd2YUZWNGIzbVBXMnBOdmpPQWlZdHliZVprY1F0SzhlOUhMdVZjb0J2Y18yVnBPenRjUQ?oc=5) · wsj.com
- 2015-08-05 [Scott Powell Takes Up the position of CEO at Santander Bank, In Addition to SHUSA’s - Funds Society](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTXJtSk1lSnZSWEsyQ29MVzFORmNfbXc2cGJiRmFIYVJ1andpTzZnRVl4OFdfUzRGanhmb2dhNnZXdnB0OGVuRzVvVGpVb2h4My1OMkc5M2Z4dk1ON2xsZzFQRmZtWnBCVE92OEk0eWlzVGYwZEtSUXl1ZUFMem5qd1Z4TjZsUUZPdEtXek9PMnFTcVc2cDVQdXpYZkJZS3RpekVQMTl0MGtwZ2VjMUpLMGpQRlhVNDVLNnVHT01qbTV2Q3pLc1g2Z0JIWkZiWUk?oc=5) · Funds Society
- 2025-06-25 [Community Bank Accelerates Greater Lehigh Valley PA Expansion - citybiz](https://news.google.com/rss/articles/CBMiogFBVV95cUxQUjV0UVlaZVAwa3czMzJURmI1UDJBd1VRN3Jid3hFbFZobm5NVUR2eG1YQUdxUU92eW02Zl81Y0ZBQUtyUVhfRURIaGE1WF9rQ0dCb3M0aFhRclBsOFZWQVJsVjNoN3hfa18zTFk2eC01Xzk4MWhURDFJRUEwMXhVT0oxcHB1Wm9CZVd3aklkVWpaQWhuVjA0R1ZfbHJuTnBWX1E?oc=5) · citybiz
- 2025-07-29 [$22.6M refinance secured for Villas de la Montaña in Tucson, Arizona - JLL](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbVRKdVQ3TUF0YTBtWWstTTlzUHRENmZGUzRDOTRNSXJxV0tPdnhiNWphUElZbGZsLXN4bndTSVUyalB1QWFLZEVMMS1ndXhhdnFCTGV5bmMxVnB5cFg3b0NyZWhzczBlUUNWaE5wemdWbFI4V09fMXNsYmkwdWZ1dE9XOUl4VGk1clBMWUtLczJ6WS1BNlU1SEZsWQ?oc=5) · JLL
- 2014-03-24 [Santander and Bentley University Launch New Chapter to Support International Education - Bentley University](https://news.google.com/rss/articles/CBMisgFBVV95cUxOUC1xcWNyLWtOUFlvZ0JaeUROd2N5U1IzZFVtZFlQZk45QmhYVDFiR2dheUprc3BoRnFoRzBqLUhKODZ1UUhyTUdRenQ0NFFZb0lpeVdRMnRrRHlCN0NNYTJmYkJPRjAwRFl4anI5d0dqQnExeno4MnJJMlpzNHJSX1JXZk5Sb3I5YTJmeXlzZlAzYnNoLTJoaUZTR0xPNm5mY0xIUWU3YmNrNDVKZU5nd2Z3?oc=5) · Bentley University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29950 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "29950", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide