Santander Bank, N.A.: how it compares with its peers
Against 28 U.S. banks with half to twice its assets, Santander Bank, N.A.'s strongest measure in Q2 2026 is assets per employee ($18.3M vs. a $14.2M peer median). Its weakest relative measure is return on assets (1.00% vs. 1.26%).
| Measure | Santander Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.00% | 1.26% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.39% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.18% | 54.94% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.3M | $14.2M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.86% | 82.94% | Context |
What it means for lending operations
Its efficiency ratio of 50.18% is better than the 54.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- USAA Federal Savings Bank Phoenix, AZ · $106.19B
- City National Bank Los Angeles, CA · $99.10B
- Western Alliance Bank Phoenix, AZ · $98.57B
- Synchrony Bank Draper, UT · $115.22B
- Zions Bancorporation, N.A. Salt Lake City, UT · $89.04B
- Flagstar Bank, National Association Hicksville, NY · $87.71B
Questions about Santander Bank, N.A.
How big is Santander Bank, N.A.?
Santander Bank, N.A., established in 1907, is headquartered in Wilmington, DE. It reported $103.96B in total assets in its Q2 2026 FDIC call report and operates 558 offices.
What is Santander Bank, N.A.'s return on assets?
1.00% annualized in Q2 2026, against a 1.26% median for 28 U.S. banks with half to twice its assets, ahead of 21% of them.
What is Santander Bank, N.A.'s efficiency ratio?
50.18% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 54.94%, and lower is better.
Is Santander Bank, N.A. growing its loans?
Net loans grew 17.9% over the year to Q2 2026, while deposits grew 6.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Delaware bank ranked.