Santander Holdings USA, Inc. filed a quarterly report on Form 10-Q with the U.S. Securities and Exchange Commission covering the quarterly period ended September 30, 2026, disclosing condensed consolidated financial statements, management discussion, and risk factor updates.

Key Highlights

  • Reporting period: The quarterly report covers the three months and nine months ended September 30, 2026, with comparative periods from 2025.
  • Shares outstanding: As of October 31, 2026, the registrant reported 530,391,043 shares of common stock outstanding.
  • Registered security: Depositary Shares, each representing a 1/1,000th interest in a share of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series H, trade on the New York Stock Exchange under the symbol SNUS PF H.
  • Filer classification: The registrant indicated it is a non-accelerated filer and is not a smaller reporting company or emerging growth company.
  • Principal offices: The registrant is headquartered at 75 State Street, Boston, Massachusetts 02109, incorporated in Virginia with I.R.S. Employer Identification No. 23-2453088.
  • Webster Bank integration: According to the filing, risk factors include "the acquisition of Webster by Santander and merger of Webster Bank into SBNA and subsequent integration of the respective businesses."

Santander Holdings USA's Third-Quarter 2026 Filing: Structure and Key Disclosures

Santander Holdings USA, Inc. (NYSE:SNUS PF H) submitted its Form 10-Q for the quarterly period ended September 30, 2026, to the SEC. The report spans both Part I financial information and Part II other information, covering condensed consolidated balance sheets as of September 30, 2026, and December 31, 2025, as well as condensed consolidated statements of operations, comprehensive income or loss, stockholders' equity, and cash flows for the applicable periods, according to the filing's table of contents.

The filing disclosed that the registrant timely submitted all required reports under Section 13 or 15(d) of the Securities Exchange Act during the preceding 12 months and submitted all required Interactive Data Files. Notes to condensed consolidated financial statements appear beginning at page 9, and Management's Discussion and Analysis of Financial Condition and Results of Operations begins at page 79, with Quantitative and Qualitative Disclosures About Market Risk addressed at page 110, as listed in the table of contents.

The filing's forward-looking statements section identifies a range of risk factors the company disclosed as potentially causing actual results to differ materially from stated expectations. These include the effects of actions by the Federal Reserve, the FDIC, the OCC, and the CFPB; credit risk concentration; adverse economic conditions in the United States and globally; inflation and interest rate fluctuations; trade policy risks including reciprocal tariffs; and competitive pressures from firms with greater financial resources. The filing also identifies risks stemming from bank failures and customer sentiment toward the broader banking sector as factors that could affect results.

What Was Disclosed

Santander Holdings USA, Inc. filed its Form 10-Q for the quarter ended September 30, 2026, reporting 530,391,043 common shares outstanding as of October 31, 2026, disclosing its full condensed consolidated financial statements, management discussion, risk factors, and legal proceedings sections. The filing identified multiple operational, regulatory, and macroeconomic risks, including ongoing integration activities related to the merger of Webster Bank into SBNA.