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Santander Bank Na

IDRSSD: 722777
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #722777 2024-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.08% of loans.

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +2
94
Sub-score

Liquidity is strong: brokered 6.8%, loans/deposits 70.7%.

Cash / Assets
—
Loans / Deposits
70.69%
Brokered %
6.83%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.00%, leverage 11.33%.

Tier 1 RBC
16.00%
CET1
—
Leverage
11.33%
No watch items at this period.

Asset Quality

StableQoQ +2
79
Sub-score

Asset quality is stable: Adjusted NPL 1.49%, Texas Ratio 6.2%, NCO YTD 1.08%.

Adjusted NPL
1.49%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
1.08%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

StrongQoQ -3
97
Sub-score

Reserves are strong: ALLL 2.67% of loans, coverage 184.5%, true coverage 132.1%.

ALLL / Loans
2.67%
Coverage
184.5%
True Loss Coverage
132.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:33:10 UTC