BlastPoint's Banking Scorecard
TD Bank, National Association
Wilmington, DE
1,052 branches across NY · NJ · FL · MA · PA · CT · SC · NH · ME · VA · VT · MD · NC · DE · RI · DC
TD Bank, National Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.1% in tier
- - Deposit Outflow: Bottom 0.1% in tier
- - Non-Interest Income / Assets 0.24% below tier average
- - ROA 0.42% below tier average
- - Efficiency Ratio 12.22% above tier average
- - Delinquency Rate 0.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.6B
-5.7% YoY
-0.2% QoQ
|
-$661.5B |
$1,007.1B
-0.5% YoY
|
$70.8B
+0.0% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$163.1B
-3.9% YoY
-0.4% QoQ
|
-$273.1B |
$436.2B
+3.5% YoY
|
$38.8B
+4.8% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$282.5B
-4.3% YoY
-0.3% QoQ
|
-$484.5B |
$767.0B
-1.7% YoY
|
$56.2B
+0.9% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.73%
+73.9% YoY
+34.8% QoQ
|
-0.42% |
1.15%
+9.3% YoY
|
2.25%
-5.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
3.21%
+12.9% YoY
+6.1% QoQ
|
+0.16% |
3.05%
+6.7% YoY
|
5.71%
+1.4% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
68.11%
+15.4% YoY
+0.8% QoQ
|
+12.22% |
55.89%
+3.9% YoY
|
53.58%
-1.6% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
1.19%
+15.0% YoY
-3.5% QoQ
|
+0.27% |
0.92%
-4.7% YoY
|
1.76%
+0.3% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
57.72%
+0.4% YoY
-0.0% QoQ
|
-0.93% |
58.65%
+11.5% YoY
|
82.81%
-6.4% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
19.83%
+6.1% YoY
+4.5% QoQ
|
+1.23% |
18.60%
+9.6% YoY
|
23.71%
-4.5% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.57%
+14.9% YoY
-5.3% QoQ
|
+0.09% |
0.48%
+3.7% YoY
|
0.52%
-2.0% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
18.28%
+4.5% YoY
+1.0% QoQ
|
+4.28% |
14.00%
-15.5% YoY
|
58.48%
+5.2% YoY
|
17.06%
+0.8% YoY
|
Top 6.2% in tier |
| Non-Interest Income / Assets ? |
0.10%
-46.4% YoY
-81.6% QoQ
|
-0.24% |
0.35%
-0.9% YoY
|
1.31%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.