Call reports 2025
SANTANDER BANK, NATIONAL ASSOCIATION — 2025
What SANTANDER BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 104,558,642,000 | 103,352,050,000 | 97,745,560,000 | 104,148,024,000 |
| Total loans | 51,053,853,000 | 49,840,573,000 | 49,729,212,000 | 54,261,285,000 |
| Allowance for loan losses | 1,284,477,000 | 1,268,250,000 | 1,250,855,000 | 1,232,425,000 |
| Securities available for sale | 6,829,204,000 | 6,772,289,000 | 6,745,521,000 | 7,327,735,000 |
| Securities held to maturity | 9,285,201,000 | 10,415,492,000 | 11,290,222,000 | 13,202,904,000 |
| Trading assets | 1,289,746,000 | 1,315,885,000 | 1,363,000,000 | 1,224,932,000 |
| Total deposits | 80,783,937,000 | 79,531,237,000 | 74,410,683,000 | 76,307,419,000 |
| Interest-bearing deposits | 62,143,371,000 | 63,162,803,000 | 59,559,436,000 | 61,879,159,000 |
| Noninterest-bearing deposits | 18,640,566,000 | 16,368,434,000 | 14,851,247,000 | 14,428,260,000 |
| Equity capital | 12,843,680,000 | 13,209,716,000 | 13,646,075,000 | 14,170,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,140,182,000 | 2,315,494,000 | 3,486,620,000 | 4,953,092,000 |
| Interest expense | 590,426,000 | 1,159,525,000 | 1,676,608,000 | 2,309,540,000 |
| Net interest income | 549,756,000 | 1,155,969,000 | 1,810,012,000 | 2,643,552,000 |
| Noninterest income | 421,317,000 | 1,076,005,000 | 1,709,085,000 | 2,665,405,000 |
| Noninterest expense | 704,368,000 | 1,430,040,000 | 2,162,298,000 | 3,176,354,000 |
| Provision for loan losses | 82,770,000 | 154,836,000 | 238,293,000 | 323,161,000 |
| Pretax income | 176,511,000 | 641,101,000 | 1,115,842,000 | 1,804,755,000 |
| Income tax | 40,195,000 | 139,309,000 | 241,564,000 | 413,801,000 |
| Net income | 136,316,000 | 501,792,000 | 874,278,000 | 1,390,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,905,841,000 | 12,306,050,000 | 12,678,329,000 | 13,115,216,000 |
| Total capital | 12,744,364,000 | 13,131,671,000 | 13,496,586,000 | 13,911,413,000 |
| Risk-weighted assets | 66,602,044,000 | 65,578,178,000 | 65,003,760,000 | 63,223,413,000 |