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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$991M
Investor CRE$2.64B
Multifamily$9.51B
Construction$4.6B
1–4 family$6.54B
C&I$7.24B
Agriculture$0
Other$25.2B

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$56.7B
+11.1%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSGR
Net loans
$55.3B
+11.1%y/y
Percentile by value11th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
Loans YoY
+11.08%
+240.8%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
L/D
64.5%
+4.8%y/y
Percentile by value43rd percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + DEP
Loans/assets
52.1%
+9.5%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET + ASSET
RE loans %
45.70%
−14.7%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
124%
−10.3%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
34%
−7.7%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
676points
−25.3%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
1.75%
−15.4%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROW + LNLSGR
Investor CRE %
4.66%
−23.9%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNRENROT + LNLSGR
C&I %
12.76%
−13.8%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNCI + LNLSGR