FinObservatory

SEC filings / CIK 811830

SANTANDER HOLDINGS USA, INC.

National commercial banks, MA. 14 10-K filer-years in this dataset, the most recent for FY2025, filed Mar 2, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-13-10-8-5-303n/an/an/an/aFY2016: HTM fair value less carrying amount, -0.1% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, -0.1% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -0.4% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +0.1% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +0.9% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, -0.3% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -7.3% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -9.5% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -10.3% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -8.4% of reported stockholders’ equity1112131416171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 10 of this company’s 14 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pMar 2, 2026$164.57bn$78.98bn$15.94bn-$533.6m$13.21bn$11.87bn-8.4%10.0%
2024Mar 3, 2025$165.25bn$78.11bn$15.68bn-$717.7m$9.91bn$8.31bn-10.3%8.8%
2023Mar 4, 2024$164.97bn$77.07bn$15.50bn-$1.07bn$9.04bn$7.56bn-9.5%9.8%
2022Mar 3, 2023$168.19bn$79.13bn$17.43bn-$1.34bn$9.55bn$8.27bn-7.3%9.2%
2021Mar 7, 2022$159.82bn$81.60bn$22.51bn-$188.1m$6.70bn$6.63bn-0.3%10.5%
2020Mar 3, 2021$149.43bn$75.30bn$19.89bn$166.3m$5.50bn$5.68bn+0.9%10.7%
2019Mar 11, 2020$149.50bn$67.33bn$22.02bn-$88.2m$3.94bn$3.96bn+0.1%9.4%
2018Mar 15, 2019$135.63bn$61.51bn$21.32bn-$321.7m$2.75bn$2.68bn-0.4%9.3%
2017Mar 19, 2018$128.29bn$60.83bn$21.18bn-$198.4m$1.80bn$1.77bn-0.1%11.4%
2016Mar 20, 2017$137.37bn$67.24bn$19.62bn-$193.2m$1.66bn$1.64bn-0.1%13.0%
2014Mar 18, 2015$118.46bn$52.47bn$18.54bn-$96.4mn/an/an/a15.9%
2013Mar 14, 2014$77.14bn$49.52bn$13.54bn-$254.4mn/an/an/a15.1%
2012Mar 15, 2013$85.79bn$50.79bn$13.24bn$54.3mn/an/an/a20.9%
2011Mar 16, 2012$80.57bn$47.80bn$12.60bn-$46.7mn/an/an/a23.4%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.