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TD Bank, National Association

$250B+ Specialty: Other DE FDIC cert 18409

Wilmington, DE

1,051 branches across NY · NJ · FL · MA · PA · CT · SC · NH · ME · VA · VT · MD · NC · DE · RI · DC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 18 banks in the $250B+ peer group nationwide — 1 of 2 in DE.
  • Deposits -5.3% year over year ($277.7B on the books).
  • Delinquency rate 1.13%.
  • Return on assets 0.83%.
  • Efficiency ratio 66.58% vs a 52.80% peer average.
  • Loan-to-deposit ratio 58.56% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

18 banks in the $250B+ peer group nationally 2 in DE
View $250B+ leaderboard (DE) →

TD Bank, National Association has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 40.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - ROA 0.35% below tier average
  • - Efficiency Ratio 13.78% above tier average
Get updates when TD Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Total Assets ? $342.8B
-3.8% YoY -0.8% QoQ
-$593.5B $936.3B
-15.8% YoY
$72.9B
+3.7% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $162.6B
-3.7% YoY -0.3% QoQ
-$246.9B $409.5B
-13.1% YoY
$40.0B
+6.7% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $277.7B
-5.3% YoY -1.7% QoQ
-$435.6B $713.2B
-15.8% YoY
$56.7B
+1.8% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 0.83%
+60.3% YoY +13.6% QoQ
-0.35% 1.17%
+26.8% YoY
2.36%
-9.5% YoY
1.30%
+12.1% YoY
Bottom 11.1% in tier
Net Interest Margin ? 3.24%
+10.7% YoY +0.9% QoQ
+0.30% 2.94%
-1.8% YoY
5.72%
+0.9% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 66.58%
+4.1% YoY -2.2% QoQ
+13.78% 52.80%
-5.4% YoY
53.04%
-0.1% YoY
70.05%
+2.5% YoY
Bottom 11.1% in tier
Delinquency Rate ? 1.13%
+5.3% YoY -5.5% QoQ
+0.34% 0.78%
-21.7% YoY
1.76%
+6.5% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 58.56%
+1.7% YoY +1.5% QoQ
-0.48% 59.04%
+5.5% YoY
80.57%
-7.4% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 20.97%
+10.9% YoY +5.7% QoQ
+4.66% 16.30%
-11.5% YoY
23.77%
-3.1% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.54%
+1.6% YoY -5.6% QoQ
+0.12% 0.42%
-12.7% YoY
0.52%
+1.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 16.16%
-9.5% YoY -11.6% QoQ
+0.96% 15.20%
+5.2% YoY
57.87%
+0.5% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.23%
-32.1% YoY +118.2% QoQ
-0.41% 0.64%
-10.8% YoY
2.79%
+1.3% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Noninterest-Bearing 21.0%
+2.1pp YoY
+1.1pp QoQ
 +4.7pp 16.3% 27.2% 22.2% 50%
Brokered Deposits 1.9%
+0.3pp YoY
+0.1pp QoQ
 -5.1pp 7.0% 18.6% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
C&I 14.4%
-1.2pp YoY
+0.2pp QoQ
 -5.2pp 19.6% 8.9% 12.5% 31%
CRE 18.7%
0.0pp YoY
0.0pp QoQ
 +6.5pp 12.2% 35.2% 41.4% 73%
1-4 Family 26.6%
+1.3pp YoY
+0.2pp QoQ
 +6.0pp 20.6% 36.6% 31.3% 76%
Consumer 22.3%
+1.1pp YoY
+0.1pp QoQ
 +5.4pp 16.9% 37.2% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
CET1 Ratio 16.2%
-1.7pp YoY
-2.1pp QoQ
 +1.0pp 15.2% 52.4% 19.7% 78%
Leverage Ratio 10.3%
-0.5pp YoY
-1.2pp QoQ
 +1.6pp 8.8% 28.0% 12.6% 72%
Total Capital Ratio 17.4%
-1.7pp YoY
-2.1pp QoQ
 +1.1pp 16.3% 53.4% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Full-Time Employees 28,582
+524 (+1.9%) YoY
-963 (-3.3%) QoQ
 -34,977 63,559 6,324 482 39%
Assets per Employee ($) $12.0M
-5.6% YoY
+2.5% QoQ
 -$49.1M $61.1M $17.7M $8.8M 50%
Branch Count 1,051
-53 (-4.8%) YoY
-1 (-0.1%) QoQ
 -357 1,407 249 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 23%
Nonaccrual 1.0%
+0.1pp YoY
0.0pp QoQ
 +0.4pp 0.6% 1.3% 1.0% 89%
Allowance Coverage 1.50x
+0.3% YoY
+6.3% QoQ
 -0.64x 2.14x 2.44x 20.23x 39%
Net Charge-off Rate (YTD) 0.5%
-0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.5% 1.5% 0.2% 65%

Profitability

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
ROE 5.9%
+1.9pp YoY
+0.8pp QoQ
 -6.6pp 12.4% 13.0% 11.6% 6%
Cost of Funds (YTD) 1.5%
-0.5pp YoY
0.0pp QoQ
 -0.7pp 2.2% 1.7% 1.7% 6%
Net Income ($, YTD) $1.4B
+51.4% YoY
— QoQ
 -$4.4B $5.9B $432.8M $40.4M 17%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline
#1 of 2 • Bottom 0.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

2 of 2 Titans banks match · 686 nationally
→ Stable +31 banks QoQ

Credit Quality Pressure

risk
#3 of 5 • Bottom 40.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.13%
(Tier: 0.78%, National: 0.98%)
worse than tier avg
5 of 5 Titans banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#3 of 4 • Bottom 50.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.16%
(Tier: 15.20%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 58.56%
(Tier: 59.04%, National: 79.03%)
better than tier avg
4 of 4 Titans banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 18 peers in $250B+

Top Strengths (2 metrics)

4
Tier 1 Capital Ratio
capital
Value: 16.16%
Peer Median: 15.20%
#4 of 18 Top 16.7% in $250B+
5
Net Interest Margin
profitability
Value: 3.24%
Peer Median: 2.94%
#5 of 18 Top 22.2% in $250B+

Top Weaknesses (4 metrics)

17
Efficiency Ratio
profitability
Value: 66.58%
Peer Median: 52.80%
#17 of 18 Bottom 11.1% in $250B+
17
Return on Assets
profitability
Value: 0.83%
Peer Median: 1.17%
#17 of 18 Bottom 11.1% in $250B+
16
Non-Interest Income / Assets
revenue_mix
Value: 0.23%
Peer Median: 0.64%
#16 of 18 Bottom 16.7% in $250B+
16
Delinquency Rate
credit_quality
Value: 1.13%
Peer Median: 0.78%
#16 of 18 Bottom 16.7% in $250B+
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