BlastPoint's Banking Scorecard
Santander Bank, N.A.
Large
Specialty: Other
DE
FDIC cert 29950
Wilmington, DE
69
banks in Large tier nationally
3 in DE
View Large leaderboard (DE) →
Santander Bank, N.A. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 31% in Large
- + Tier 1 Capital Ratio 7.42% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.1B
+1.4% YoY
+6.6% QoQ
|
+$29.3B |
$74.9B
-4.4% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$53.0B
+6.0% YoY
+9.4% QoQ
|
+$6.6B |
$46.4B
-2.1% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$82.1B
+6.9% YoY
+10.4% QoQ
|
+$21.7B |
$60.5B
-4.5% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.36%
+118.6% YoY
+18.8% QoQ
|
+0.16% |
1.19%
+17.8% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.08%
+25.4% YoY
+8.5% QoQ
|
-0.38% |
3.46%
+13.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
59.71%
-24.7% YoY
-2.8% QoQ
|
+4.69% |
55.03%
-2.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.79%
-3.7% YoY
-11.3% QoQ
|
+0.91% |
0.88%
-0.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
64.56%
-0.8% YoY
-0.9% QoQ
|
-17.16% |
81.72%
+3.9% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
20.59%
-3.7% YoY
+3.2% QoQ
|
+0.62% |
19.97%
+0.5% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.95%
-0.6% YoY
-8.9% QoQ
|
+0.40% |
0.55%
+9.0% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
20.74%
+17.4% YoY
+6.4% QoQ
|
+7.42% |
13.33%
-0.7% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
2.56%
+73.0% YoY
+46.4% QoQ
|
+1.47% |
1.09%
+2.4% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#6 of 17 · Top 31% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.56%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
1.36%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Tier 1 Capital Ratio
metric
Top 6%
in Large
Why this stands out
Current:
20.74%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#7 of 14 · Bottom 46% in Large
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.74%
(Tier: 13.33%, National: 9.75%)
Loan-to-Deposit Ratio:
64.56%
(Tier: 81.72%, National: 78.04%)
14 of 14 Large banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Non-Interest Income / Assets
Current: 2.56% · Tier avg: 1.09%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 13.33%
80
80th pctile
Total Assets
Current: $104.1B · Tier avg: $74.9B
80
80th pctile
Total Deposits
Current: $82.1B · Tier avg: $60.5B
72
72th pctile
Total Loans
Current: $53.0B · Tier avg: $46.4B
70
70th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.19%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 19.97%
30
30th pctile
Efficiency Ratio
Current: 59.71% · Tier avg: 55.03%
26
26th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.46%
16
16th pctile
Loan-to-Deposit Ratio
Current: 64.56% · Tier avg: 81.72%
14
14th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.88%
14
14th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.55%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.55%
14
14th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.88%
16
16th pctile
Loan-to-Deposit Ratio
Current: 64.56% · Tier avg: 81.72%
26
26th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.46%
30
30th pctile
Efficiency Ratio
Current: 59.71% · Tier avg: 55.03%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 19.97%
70
70th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.19%
72
72th pctile
Total Loans
Current: $53.0B · Tier avg: $46.4B
80
80th pctile
Total Deposits
Current: $82.1B · Tier avg: $60.5B
80
80th pctile
Total Assets
Current: $104.1B · Tier avg: $74.9B
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 13.33%
96
96th pctile
Non-Interest Income / Assets
Current: 2.56% · Tier avg: 1.09%