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207 Ponce De Leon Avenue
San Juan, PR 00917

Banco Santander Puerto Rico is headquartered in San Juan and is the 5th largest bank in the state of PR. It is also the 153rd largest bank in the nation. It was established in 1972 and as of March of 2014, it had grown to 1,190 employees at 1 location. Banco Santander Puerto Rico has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Banco Santander Puerto Rico had $270.95 million in non-current loans and owned real-estate with $941.45 million in equity and loan loss allowances on hand to cover it. This gives Banco Santander Puerto Rico a Texas Ratio of 28.78% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Banco Santander Puerto Rico decreased slightly from 31.98% as of March 31, 2013 to 28.78% as of March 31, 2014, resulting in a positive change of 10.00%.This indicates that the balance sheet and financial strength for Banco Santander Puerto Rico has improved slightly in recent periods.

Deposit Growth


In the past year, Banco Santander Puerto Rico has decreased its total deposits by -$602.59 million, resulting in -10% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Banco Santander Puerto Rico has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Banco Santander Puerto Rico has $6.37 billion in assets with $941.45 million in equity, resulting in a capitalization level of 14.77%, which is excellent.

Institution Statistics

FDIC Certificate #20828
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.37 billion
Loans$5.04 billion
Deposits$5.42 billion
Equity Capital$856.44 million
Loan Loss Allowance$85.01 million
Unbacked Noncurrent Loans$195.58 million
Real Estate Owned$75.37 million
Historic Data - March 2013
Assets$7.09 billion
Equity Capital$805.54 million
Loan Loss Allowance$89.65 million
Unbacked Noncurrent Loans$195.58 million
Real Estate Owned$84.14 million
Profit Margin - Quarterly
Net Interest Margin3.86%
Return on Assets0.54%
Return on Equity4.1%
Interest Income$67.12 million

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Banco Santander Puerto Rico has 56 locations. Click to view all Banco Santander Puerto Rico locations.