How profitable a bank is affects its safety and soundness. Earnings can be retained by the bank, boosting its capital buffer, or be used to deal with problematic loans, likely making the bank better able to withstand economic trouble. Obviously, banks that are losing money have less ability to do those things.
On Bankrate's test of earnings, Sabadell United Bank, National Association scored 18 out of a possible 30, better than the national average of 16.52.
One important way to measure a bank's earnings is return on equity, calculated by dividing net income (essentially profit) by total equity. The most recent annualized quarterly return on equity for Sabadell United Bank, National Association was 9.23 percent, below the national average of 9.28 percent.
The bank recorded net income of $29.0 million on total equity of $645.8 million for the twelve months ended June 30, 2017. The bank reported an annualized return on average assets, or ROA, of 1.01 percent, above the 1 percent deemed satisfactory in accordance with industry standards, but below the average for U.S. banks of 1.14 percent.