Santander Bank N A (FDIC #29950): Bank Stress & Real-Estate Credit Exposure
Santander Bank N A (FDIC Cert #29950): bank stress 59/100, moderate, STABLE over 7 days; parent BANCO SANTANDER SA.
Santander Bank N A (#29950) lends in 52 counties across 8 states; Santander Bank N A (#29950) reaches 2,090 ZIP codes: New Jersey 13 counties, 448 ZIPs; Pennsylvania 12 counties, 508 ZIPs; Massachusetts 10 counties, 452 ZIPs; New York 7 counties, 390 ZIPs; Rhode Island 5 counties, 81 ZIPs; New Hampshire 3 counties, 99 ZIPs.
Santander Bank N A (#29950) largest markets: Suffolk County, NY (109 branches, 109 ZIPs) (#29950), Worcester County, MA (1,044 branches, 87 ZIPs) (#29950), Middlesex County, MA (2,241 branches, 83 ZIPs) (#29950), Miami Dade County, FL (162 branches, 81 ZIPs) (#29950), Montgomery County, PA (781 branches, 71 ZIPs) (#29950), New York County, NY (700 branches, 70 ZIPs) (#29950).
Santander Bank N A (#29950) reports $103.96 billion in total assets; Santander Bank N A (#29950) equity $13.84 billion (13.3% of Santander Bank N A (#29950) assets); Santander Bank N A (#29950) domestic deposits $79.06 billion; Santander Bank N A (#29950) net income $523.2 million; Santander Bank N A (#29950) return on assets 1.00%; Santander Bank N A (#29950) return on equity 7.54%; Santander Bank N A (#29950) net interest income $1.49 billion; Santander Bank N A (#29950) call report June 30, 2026.
Santander Bank N A (#29950) noncurrent real-estate loans 0.13% of its book; Santander Bank N A (#29950) commercial real estate -0.54%; Santander Bank N A (#29950) multifamily 0.28%; Santander Bank N A (#29950) residential 0.17%; Santander Bank N A (#29950) net charge-offs on real estate 2.82%; Santander Bank N A (#29950) commercial charge-offs 0.49%; Santander Bank N A (#29950) multifamily charge-offs 4.18%; Santander Bank N A (#29950) residential charge-offs 4.47%.
Santander Bank N A (#29950) net interest margin 3.30% against an eight-quarter Santander Bank N A (#29950) average of 2.80% (Santander Bank N A (#29950) compression -0.50 points); Santander Bank N A (#29950) real-estate loans 13.2% of equity; Santander Bank N A (#29950) commercial real estate 49.0% of equity; Santander Bank N A (#29950) non-residential real estate 447.4% of equity; Santander Bank N A (#29950) rate-exposure score 55/100, Santander Bank N A (#29950) fixed-rate trap 55/100; Santander Bank N A (#29950) risk type credit driven; Santander Bank N A (#29950) rate regime rates elevated, Santander Bank N A (#29950) snapshot October 19, 2026.
Santander Bank N A (#29950) stress score held at 58.9 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
Santander Bank N A (#29950) alerts: 40 counties; top Santander Bank N A (#29950) alert scores: Barrington County, DE 19 (low); Bronx County, DE 19 (low); Brooklyn County, DE 19 (low); Collingswood County, DE 19 (low); Concord County, DE 19 (low).