This institution is no longer active

Operations ceased on September 1, 2020. CRA examination history below reflects the period it was active.

BANCO SANTANDER PUERTO RICO

SAN JUAN, PR · Supervised by FDIC

Est. 1972FDIC #20,828RSSD: FDIC-20828

Part ofBANCO SANTANDER SA→ View all charters

Outstanding Same

Current rating · Exam: June 2019

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.54%

Is this bank safe?

BANCO SANTANDER PUERTO RICO earned an Outstanding CRA rating (2019), meets basic financial requirements (ROA +0.54%).

Institution Profile

FDIC BankFind

Address

207 Ave Ponce De Leon, SAN JUAN, PR

County

San Juan County

Established

October 2, 1972

Total Assets

$6.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2019

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2020Call Report / FDIC

Total Assets

$6.0B

Total Deposits

$4.9B

Net Loans

$2.6B

Net Income

$16M

ROA

0.54%

Below avg for Community banks. Peer avg: 0.90%

ROE

3.15%

Risk-Based Capital

43.94%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.54%Peer avg: 0.90%▼ Below avg

Risk-Based Capital43.94%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate25.38%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	130	60%	25.38%
2019	332	65.36%	23.80%
2018	367	53.95%	29.97%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2019	Outstanding	Large Bank
Feb 2016	Outstanding	Large Bank
May 2012	Outstanding	Large Bank

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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