FDIC Cert #29950 · Wilmington, Delaware · Est. 1907

Santander Bank, N.A. - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$104.1B
Total assets
A
Health grade · Excellent
1.36%
Return on assets
20.7%
Tier 1 capital

Data updated July 2026

The verdict

Santander Bank, N.A. earns a PlainBankData health grade of A (88/100), with well-capitalized at 20.74% Tier 1, profitable at 1.36% ROA, efficient (60% cost ratio).

#31
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
20.74%
Tier 1 ratio - above the 10% well-capitalized line
67th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29950 · DE A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #847/4307
  • PHOTO-FINISH Chester National Bank · IL
  • TIER1-WELL 20.7% Tier 1
  • TEXAS-CLEAN 6.2% Texas
  • ROA-STRONG 1.36% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Chester National Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Santander Bank

Lowest and highest poles plus nearest scored peers outside Delaware, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Chester National Bank · IL ·…88/100Lake Shore Bank · NY · near88/100Pinnacle Bank · AL · near88/100Ponce Bank, National… · NY ·…88/100Santander Bank, N.A. · DE · …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Santander Bank · July 2026

Plate reading for Santander Bank where failures stay rare

Santander Bank, N.A. (FDIC Cert #29950) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #847 of 4,307. Tier 1 capital prints at 20.74%, clearing the 10% well-capitalized line. The Texas Ratio is 6.15%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.36%. Balance-sheet scale is $104.1B, 31st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Chester National Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Santander Bank

Zero FAILURE resolutions in Delaware since 2000

Santander Bank, N.A. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Delaware banks.

How Santander Bank, N.A.'s 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Santander Bank, N.A.'s composite health score
Tier 1 Capital Ratio (20.74%) 40/40
Return on Assets (ROA) (1.36%) 20/25
Texas Ratio (6.15%) 16/20
Efficiency Ratio (59.71%) 12/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$104.1B

Total balance-sheet footings

Total Deposits

$82.1B

Customer-funded liabilities

Net Loans

$53.0B

Outstanding loan book

Net Income

$1.4B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 19.34% 20.74% 22.14%
Basel III capital ratios - Santander Bank, N.A.

Where Santander Bank, N.A. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Santander Bank, N.A.'s score of 88/100 falls in the highlighted band.

Santander Bank, N.A.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Santander Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Santander Bank, N.A.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Santander Bank, N.A.'s $104.1B falls in the highlighted band.

Safety metrics: Santander Bank

Tier 1 capital ratio
Well-capitalized 10%

20.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.74%
Texas Ratio
6.15%
Equity Capital
$14.2B

What these ratios mean →

Earnings posture at Santander Bank

Return on Assets (ROA)
67th percentile nationally
1.36%
Return on Equity (ROE)
10.46%
Efficiency Ratio
59.71%

What these mean →

Income & expense at Santander Bank

$5.0B
Interest Income
$2.7B
Non-Interest Income
$3.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Santander Bank, N.A. reports a Texas Ratio of 6.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Santander Bank, N.A. on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

Top 5 banks in Delaware ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Santander Bank, N.A. by assets

Santander Bank, N.A. is closely matched in total assets by USAA Federal Savings Bank, City National Bank, Synchrony Bank, Western Alliance Bank across 3 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.25%, versus Santander Bank, N.A.'s own 1.36%; the average efficiency ratio is 53.65%, versus 59.71% here; and average Tier 1 capital sits at 16.43%, versus 20.74% at Santander Bank, N.A.. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $104.1B in assets, Santander Bank, N.A. sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Santander Bank, N.A. nationally by total assets
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  3. 3
    Synchrony Bank $112.1B

    Draper, UT · Grade A

  4. 4
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  5. 5
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

  6. 6
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Santander Bank, N.A. (this bank) DE $104.1B 1.36% 59.71% 20.74%
USAA Federal Savings Bank AZ $108.0B 0.40% 76.02% 16.46%
City National Bank CA $98.4B 0.95% 65.09% 16.18%
Synchrony Bank UT $112.1B 2.89% 34.85% 13.70%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%
UBS Bank USA UT $119.3B 1.13% 22.83% 28.98%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($104.1B here), outside Delaware so the neighborhood is not state containment.

USAA Federal Savings Bank $108.0B · AZ City National Bank $98.4B · CA Synchrony Bank $112.1B · UT Western Alliance Bank $92.7B · AZ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Santander Bank, N.A. (FDIC Cert #29950) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Santander Bank, N.A. Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
PNC Bank, National AssociationWilmington $568.3B A 1.30%
TD Bank, National AssociationWilmington $346.2B A 0.54%
Barclays Bank DelawareWilmington $47.6B B 0.87%
TD Bank USA, National AssociationWilmington $34.6B A 1.16%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Wilmington Trust, National AssociationWilmington $773M A 7.95%
Artisans' BankWilmington $715M C 0.48%