---
schema_version: "secwatch.filing_event.v1"
accession: "0000811830-23-000020"
form_type: "8-K"
ticker: "SNUS-PI"
cik: "0000811830"
company_name: "Santander Holdings USA, Inc."
filed_at: "2023-06-30T23:59:59+00:00"
generated_at: "2026-06-13T14:29:17.248042+00:00"
event_type: "regulatory"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# SHUSA stress capital buffer set at 2.5%, overall CET1 requirement 7.0%

## Summary
- SCB of 2.5% CET1, effective Oct 1, 2023; lowest possible under Federal Reserve rules.
- Overall CET1 capital requirement becomes 7.0%.
- As Category IV firm, SHUSA not subject to CCAR; stress results not publicly released.
- Internal stress tests show strong capital under rising-rate and used car/commercial real estate shock scenarios.
- Historically top quartile among CCAR firms for minimum CET1 and decline from starting CET1.

## SEC filing metadata
- accession: 0000811830-23-000020
- form_type: 8-K
- ticker: SNUS-PI
- cik: 0000811830
- company_name: Santander Holdings USA, Inc.
- filed_at: 2023-06-30T23:59:59+00:00
- event_type: regulatory
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/811830/000081183023000020/0000811830-23-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/811830/000081183023000020/sov-20230628.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000811830-23-000020
- JSON: https://secwatch.observer/filing/0000811830-23-000020.json
- Plain text: https://secwatch.observer/filing/0000811830-23-000020.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.