Santander Bank, N.A. is a national bank headquartered in Wilmington, Delaware, in business for about 119 years. At the end of Q2 2026 it reported $104.0B in total assets and $84.4B in deposits, with 558 offices across 9 states.
Santander Bank, N.A. has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than 73% of its 32 banks with over $100 billion. Among 17 banks headquartered in Delaware, it ranks 10th. Problem-loan coverage contributes the most (86/100, 7.1%); loan quality contributes the least (39/100, 1.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (61 → 64), mostly because the loan quality component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 60 |
| Q4 2024 | 58 |
| Q1 2025 | 55 |
| Q2 2025 | 61 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.77% |
| Q3 2024 | 11.96% |
| Q4 2024 | 11.54% |
| Q1 2025 | 11.71% |
| Q2 2025 | 12.02% |
| Q3 2025 | 12.95% |
| Q4 2025 | 12.61% |
| Q1 2026 | 12.33% |
| Q2 2026 | 12.48% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.49% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.81% |
| Q1 2025 | 2.09% |
| Q2 2025 | 2.05% |
| Q3 2025 | 1.96% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.84% |
| Q2 2026 | 1.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.97% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $104.0B | 12.48% | 1.84% | 1.00% | 67.9% |
| Q1 2026 | 64 | $106.1B | 12.33% | 1.84% | 1.00% | 64.5% |
| Q4 2025 | 68 | $104.1B | 12.61% | 1.75% | 1.36% | 64.6% |
| Q3 2025 | 65 | $97.7B | 12.95% | 1.96% | 1.14% | 65.1% |
| Q2 2025 | 61 | $103.4B | 12.02% | 2.05% | 0.97% | 61.1% |
| Q1 2025 | 55 | $104.6B | 11.71% | 2.09% | 0.53% | 61.6% |
| Q4 2024 | 58 | $102.7B | 11.54% | 1.81% | 0.62% | 65.1% |
| Q3 2024 | 60 | $101.7B | 11.96% | 1.69% | 0.67% | 67.7% |
| Q2 2024 | 62 | $100.6B | 11.77% | 1.49% | 0.78% | 71.2% |
32 peers · Over $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| TD Bank, National AssociationBank Wilmington, DE | 63 out of 100, Moderate | $342.8B | 10.3% | 1.11% | vs |
| PNC Bank, National AssociationBank Wilmington, DE | 62 out of 100, Moderate | $609.8B | 9.0% | 0.74% | vs |
Deposit insurance
Is my money safe at Santander Bank, N.A.?
Yes. Santander Bank, N.A. is an FDIC-insured institution (FDIC certificate #29950). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.9% of deposits ($26.9B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.53% (benchmark: 10%).
558 locations
Branches
Santander Bank, N.A. lists 554 offices in 384 cities across 9 states. Most locations:
- Brooklyn, NY (24)
- Staten Island, NY (13)
- New York, NY (11)
- Philadelphia, PA (11)
- Boston, MA (9)
- Hartford, CT (5)
- Providence, RI (5)
- Waterbury, CT (5)
- Bronx, NY (4)
- Elizabeth, NJ (4)
- New Bedford, MA (4)
- Reading, PA (4)
Identity & history
Profile
- Legal name
- Santander Bank, N.A.
- Former names
- Sovereign Bank; Penn Savings Bank FSB; Sovereign Bank, National Association; Sovereign Bank, A Federal Savings Bank; New Home Federal Savings and Loan Association
- Type
- National bank
- FDIC certificate #
- 29950
- RSSD ID
- 722777
- Primary regulator
- OCC
- Holding company
- Banco Santander Sa
- Established
- January 1, 1907
- Headquarters
- 824 N Market St, Wilmington, DE 19801
- Website
- www.santander.com
- Employees
- 5,678
Quick answers
Santander Bank, N.A.: common questions
Is Santander Bank, N.A. FDIC insured?
Yes. Santander Bank, N.A. is an FDIC-insured institution (FDIC certificate #29950). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Santander Bank, N.A.'s TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Santander Bank, N.A. ever failed?
There is no failure record for FDIC certificate #29950 in the FDIC failed bank list.
How many branches does Santander Bank, N.A. have?
558 offices as of the latest FDIC data, in 9 states.
Nearby
Highest-scoring banks and credit unions with branches near Wilmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| The National Bank of MalvernBank Malvern, PA | 93 out of 100, Very strong | $224.0M | 16.5% | 0.10% | vs |