Side-by-side · Q2 2026 data
Santander Bank, N.A. vs Applied Bank
Metric by metric
| Measure | Santander Bank, N.A. | Applied Bank |
|---|---|---|
| TellerScore | 64 | 93 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 39 | 100 (stronger) |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 50 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 73rd | 98th |
| Total assets | $104.0B | $274.1M |
| Deposits / shares | $84.4B | $228.6M |
| Capital ratio | 12.48% | 17.49% (stronger) |
| Problem loans | 1.84% | 0.00% (stronger) |
| Net charge-offs | 0.55% | 0.00% (stronger) |
| Return on assets | 1.00% | 2.54% (stronger) |
| Loans ÷ deposits | 67.9% | 24.2% (stronger) |
| Uninsured deposits | 31.9% (stronger) | 64.1% |
| Offices | 554 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Applied Bank has the higher TellerScore (93 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Santander Bank, N.A. leads on 1 and Applied Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.