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TD Bank USA, National Association

$10B-$250B Specialty: Other DE FDIC cert 33947

Wilmington, DE

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 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in DE.
  • Deposits -2.8% year over year ($27.2B on the books).
  • Delinquency rate 2.31%.
  • Return on assets 0.41%.
  • Efficiency ratio 70.31% vs a 53.67% peer average.
  • Loan-to-deposit ratio 28.88% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 4 in DE
View $10B-$250B leaderboard (DE) →

TD Bank USA, National Association has 1 strength but faces 7 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 2.47% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 33.3% in tier
  • - Liquidity Overhang: Bottom 45.5% in tier
  • - Return on Assets 0.98% below tier average
  • - Delinquency Rate 1.30% above tier average
  • - Non-Interest-Bearing Deposit Share 20.44% below tier average
  • - Non-Interest Income / Assets 0.79% below tier average
  • - Efficiency Ratio 16.64% above tier average
Get updates when TD Bank USA, 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 ? $32.1B
-6.9% YoY -1.8% QoQ
-$11.5B $43.6B
-13.8% YoY
$72.9B
+3.7% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $7.9B
-1.5% YoY -0.3% QoQ
-$20.1B $28.0B
-8.6% YoY
$40.0B
+6.7% YoY
$3.2B
+9.4% YoY
Bottom 10.8% in tier
Total Deposits ? $27.2B
-2.8% YoY -1.7% QoQ
-$8.2B $35.4B
-14.0% YoY
$56.7B
+1.8% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.41%
-65.5% YoY +237.2% QoQ
-0.98% 1.39%
+25.9% YoY
2.36%
-9.5% YoY
1.30%
+12.1% YoY
Bottom 5.0% in tier
Net Interest Margin ? 6.39%
-0.0% YoY +0.3% QoQ
+2.47% 3.92%
+8.9% YoY
5.72%
+0.9% YoY
3.95%
+4.9% YoY
Top 5.0% in tier
Efficiency Ratio ? 70.31%
+23.5% YoY -10.5% QoQ
+16.64% 53.67%
-1.9% YoY
53.04%
-0.1% YoY
70.05%
+2.5% YoY
Bottom 10.1% in tier
Delinquency Rate ? 2.31%
-14.1% YoY -5.1% QoQ
+1.30% 1.01%
-2.8% YoY
1.76%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 6.5% in tier
Loan-to-Deposit Ratio ? 28.88%
+1.4% YoY +1.4% QoQ
-53.73% 82.61%
+3.1% YoY
80.57%
-7.4% YoY
79.03%
+2.3% YoY
Top 2.9% in tier
Non-Interest-Bearing Deposit Share ? 0.14%
+19.4% YoY +9.8% QoQ
-20.44% 20.58%
+4.9% YoY
23.77%
-3.1% YoY
21.98%
-0.6% YoY
Bottom 5.0% in tier
Nonperforming Asset Ratio ? 0.56%
-9.1% YoY -3.7% QoQ
-0.17% 0.73%
+5.8% YoY
0.52%
+1.1% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 31.20%
-8.0% YoY +2.3% QoQ
+15.85% 15.35%
-0.4% YoY
57.87%
+0.5% YoY
17.09%
+0.8% YoY
Top 3.6% in tier
Non-Interest Income / Assets ? -0.30%
-169.7% YoY +9.7% QoQ
-0.79% 0.50%
+10.5% YoY
2.79%
+1.3% YoY
0.66%
+5.2% YoY
Bottom 0.7% in tier

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 0.1%
0.0pp YoY
0.0pp QoQ
 -20.9pp 21.0% 27.2% 22.2% 2%
Brokered Deposits 5.0%
+2.1pp YoY
0.0pp QoQ
 -4.2pp 9.2% 18.6% 8.5% 44%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
C&I 0.0%
-0.2pp YoY
0.0pp QoQ
 -17.2pp 17.2% 8.9% 12.5% 0%
CRE 1.3%
-0.4pp YoY
0.0pp QoQ
 -40.7pp 42.0% 35.2% 41.4% 0%
1-4 Family 0.0%
0.0pp YoY
0.0pp QoQ
 -23.1pp 23.1% 36.6% 31.3% 0%
Consumer 108.5%
-0.1pp YoY
-0.1pp QoQ
 +95.6pp 12.9% 37.2% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
CET1 Ratio 31.2%
-2.7pp YoY
+0.7pp QoQ
 +15.9pp 15.3% 52.4% 19.7% 96%
Leverage Ratio 11.6%
-1.3pp YoY
+0.2pp QoQ
 +1.1pp 10.4% 28.0% 12.6% 84%
Total Capital Ratio 32.5%
-2.7pp YoY
+0.7pp QoQ
 +16.0pp 16.5% 53.4% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Full-Time Employees 1,251
+1148 (+1114.6%) YoY
+1132 (+951.3%) QoQ
 -2,007 3,258 6,324 482 27%
Assets per Employee ($) $25.7M
-92.3% YoY
-90.7% QoQ
 -$1.3M $27.0M $17.7M $8.8M 83%
Branch Count 1
0 YoY
0 QoQ
 -137 137 249 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Past Due 90+ Days 2.3%
-0.4pp YoY
-0.1pp QoQ
 +1.9pp 0.4% 0.9% 0.4% 97%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.7% 1.3% 1.0% 2%
Allowance Coverage 4.75x
+11.0% YoY
+5.2% QoQ
 +1.94x 2.81x 2.44x 20.23x 90%
Net Charge-off Rate (YTD) 5.3%
-0.4pp YoY
0.0pp QoQ
 +4.9pp 0.4% 1.5% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
ROE 3.5%
-5.9pp YoY
+2.5pp QoQ
 -9.1pp 12.6% 13.0% 11.6% 3%
Cost of Funds (YTD) 3.3%
-0.5pp YoY
+0.1pp QoQ
 +1.4pp 2.0% 1.7% 1.7% 94%
Net Income ($, YTD) $67.8M
-67.2% YoY
— QoQ
 -$229.0M $296.8M $432.8M $40.4M 13%

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 (2)

Deposit Outflow

decline
#7 of 18 • Bottom 33.3% in tier

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

18 of 18 Large banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#11 of 22 • Bottom 45.5% 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: 31.20%
(Tier: 15.35%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 28.88%
(Tier: 82.61%, National: 79.03%)
better than tier avg
22 of 22 Large banks match · 940 nationally
→ Stable +7 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (3 metrics)

5
Loan-to-Deposit Ratio
liquidity
Value: 28.88%
Peer Median: 82.61%
#5 of 139 Top 2.9% in $10B-$250B
6
Tier 1 Capital Ratio
capital
Value: 31.20%
Peer Median: 15.35%
#6 of 139 Top 3.6% in $10B-$250B
8
Net Interest Margin
profitability
Value: 6.39%
Peer Median: 3.92%
#8 of 139 Top 5.0% in $10B-$250B

Top Weaknesses (6 metrics)

139
Non-Interest Income / Assets
revenue_mix
Value: -0.30%
Peer Median: 0.50%
#139 of 139 Bottom 0.7% in $10B-$250B
133
Non-Interest-Bearing Deposit Share
funding
Value: 0.14%
Peer Median: 20.58%
#133 of 139 Bottom 5.0% in $10B-$250B
133
Return on Assets
profitability
Value: 0.41%
Peer Median: 1.39%
#133 of 139 Bottom 5.0% in $10B-$250B
130
Delinquency Rate
credit_quality
Value: 2.31%
Peer Median: 1.01%
#130 of 138 Bottom 6.5% in $10B-$250B
126
Efficiency Ratio
profitability
Value: 70.31%
Peer Median: 53.67%
#126 of 139 Bottom 10.1% in $10B-$250B
125
Total Loans
size
Value: $7.85B
Peer Median: $27.97B
#125 of 139 Bottom 10.8% in $10B-$250B
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