Banco Santander Puerto Rico

207 Ponce De Leon Avenue
San Juan, PR 00917

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20828
Date Established 1972
Assets $5.10 billion
Loans $3.28 billion
Deposits $4.08 billion
Capital $0.90 billion

Banco Santander Puerto Rico is an FDIC insured institution located in San Juan, PR. It was founded in 1972 and has approximately $5.1 billion in assets. Customers can open an account at one of its 45 branches.

For a more detailed analysis of Banco Santander Puerto Rico's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Banco Santander Puerto Rico’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in , Banco Santander Puerto Rico has a significantly higher percent of Credit Card Loans, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.42
Multifamily
Mortgages
0.89
Credit Card Loans 6.37
Consumer Auto Loans 0.00
Small Business Loans 6.98
Construction and Development Loans 0.00
Commercial Real Estate 37.52
Commercial and Industrial Loans 9.65
Farm Loans 0.01

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $10,000 $39,999 Learn MoreShow Less
3 Mo CD 100K
0.10% $40,000 $159,999 Learn MoreShow Less
6 Mo CD 10K
0.20% $10,000 $39,999 Learn MoreShow Less
6 Mo CD 100K
0.30% $40,000 $159,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $5,001 $74,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Banco Santander Puerto Rico

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Banco Santander Puerto Rico
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Branches

Banco Santander Puerto Rico branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Banco Santander Puerto Rico Locations

Financial Details

Banco Santander Puerto Rico Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banco Santander Puerto Rico. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Banco Santander Puerto Rico U.S. Bank Average
29.85% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Banco Santander Puerto Rico had $226,631,000 in non-current loans and $81,118,000 in owned real estate. To cover these potential losses it had $900,620,000 in equity and $130,316,000 in loans loss reserves. That gives it a Texas Ratio of 29.85%.

Return on Equity
Banco Santander Puerto Rico U.S. Bank Average
0.24% 8.84%

Banco Santander Puerto Rico has a Return on Equity of 0.24% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Banco Santander Puerto Rico U.S. Bank Average
17.68% 12.21%

Banco Santander Puerto Rico has a Capitalization of 17.68% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Banco Santander Puerto Rico Balance Sheet Analysis

As of September 30, 2017, Banco Santander Puerto Rico had assets of $5,095,378,000, loans of $3,278,168,000, and deposits of $4,084,085,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Banco Santander Puerto Rico

Branches and Savings

Is Banco Santander Puerto Rico FDIC insured?

Yes. It is covered under FDIC Certificate #20828.

Why does Banco Santander Puerto Rico pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Banco Santander Puerto Rico CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Banco Santander Puerto Rico a commercial bank?

Yes

Where are Banco Santander Puerto Rico locations?

See branch locations nearby.

Is Banco Santander Puerto Rico open on Saturdays?

Is Banco Santander Puerto Rico open on Sundays?

What time does Banco Santander Puerto Rico open?

What time does Banco Santander Puerto Rico close?

Are Banco Santander Puerto Rico ATMs Open 24/7?

Do Banco Santander Puerto Rico ATMs accept cash deposits?

Can Banco Santander Puerto Rico customers use other ATMs?

Do Banco Santander Puerto Rico branches have notaries?

Will Banco Santander Puerto Rico notarize my document?

What address for Banco Santander Puerto Rico should I put for incoming ACH transfers?

Will the Banco Santander Puerto Rico branch print checks?

Do Banco Santander Puerto Rico checks expire?

Does Banco Santander Puerto Rico require US citizenship to open account?

Can Banco Santander Puerto Rico close my account?

Does Banco Santander Puerto Rico Report to credit bureaus?

Does Banco Santander Puerto Rico Use Equifax?

What is Banco Santander Puerto Rico's ACH Routing Number?

What is Banco Santander Puerto Rico's SWIFT code?

Products

Does Banco Santander Puerto Rico offer mortgages?

Compare mortgage rates here.

Does Banco Santander Puerto Rico offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banco Santander Puerto Rico offer personal loans?

Compare personal loan rates here.

Does Banco Santander Puerto Rico offer student loans?

Will Banco Santander Puerto Rico cash a check?

Will Banco Santander Puerto Rico redeem a savings bond?

Does Banco Santander Puerto Rico cash savings bonds?

Will Banco Santander Puerto Rico cash money orders?

Can Banco Santander Puerto Rico issue a money order?

Does Banco Santander Puerto Rico do currency exchange?

Background on The Bank

Who owns Banco Santander Puerto Rico?

How long has Banco Santander Puerto Rico been around?

Can Banco Santander Puerto Rico transfer to other banks?

Does Banco Santander Puerto Rico have quick pay?

Does Banco Santander Puerto Rico accept rolled coins?

Will Banco Santander Puerto Rico accept loose change?

Where is Banco Santander Puerto Rico headquarters?

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