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BDI
SB

Santander Bank, N.A.

Wilmington, DelawareFDIC Cert #29950

OCCEstablished 1907373 branches

Holding company: BANCO SANTANDER SARegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.22%
+54.5%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP3ASSET + LNLSGR
90+ %
0.02%
−10.1%y/y
Peer standing68th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
1.83%
−11.8%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNAASSET + LNLSGR
Noncurrent %
1.84%
−11.8%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.02%
−4.7%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.08B
−3.3%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.70%
−18.8%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNTLNLS + LNLSGR
NCO
$91.5M
−20.2%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.57%
+2.0%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNATRES + LNLSGR
30–89
$692M
+71.7%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP3ASSET
90+
$8.65M
−0.1%y/y
Peer standing71st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICP9ASSET
Nonaccrual
$1.04B
−2.0%y/y
Peer standing61st percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNAASSET