BlastPoint's Banking Scorecard

TD Bank USA, National Association

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

Wilmington, DE

137 banks in the $10B-$250B peer group nationally 4 in 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 2.59% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 37.5% in tier
- Deposit Outflow: Bottom 38.9% in tier
- Return on Assets 1.16% below tier average
- Efficiency Ratio 24.57% above tier average
- Delinquency Rate 1.42% above tier average
- Non-Interest-Bearing Deposit Share 19.91% below tier average
- Non-Interest Income / Assets 0.55% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$32.7B -5.8% YoY -5.5% QoQ	-$14.2B	$47.0B -1.9% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$7.9B -2.2% YoY -10.5% QoQ	-$21.5B	$29.4B -0.4% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Bottom 10.2% in tier
Total Deposits ?	$27.7B -2.3% YoY -3.7% QoQ	-$10.8B	$38.4B -1.6% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	0.12% -90.6% YoY -89.5% QoQ	-1.16%	1.28% +18.7% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Bottom 1.5% in tier
Net Interest Margin ?	6.37% -1.1% YoY -0.4% QoQ	+2.59%	3.77% +5.8% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	Top 4.4% in tier
Efficiency Ratio ?	78.58% +38.8% YoY +35.3% QoQ	+24.57%	54.01% -3.7% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	Bottom 3.6% in tier
Delinquency Rate ?	2.43% -6.4% YoY +3.7% QoQ	+1.42%	1.02% -3.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 5.9% in tier
Loan-to-Deposit Ratio ?	28.47% +0.2% YoY -7.0% QoQ	-52.31%	80.79% +1.9% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	Top 2.9% in tier
Non-Interest-Bearing Deposit Share ?	0.13% -9.8% YoY +15.5% QoQ	-19.91%	20.04% +0.2% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Bottom 5.1% in tier
Nonperforming Asset Ratio ?	0.59% -2.7% YoY -1.7% QoQ	-0.14%	0.72% +4.2% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	30.49% -10.3% YoY +6.6% QoQ	+14.98%	15.51% -0.4% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Top 5.1% in tier
Non-Interest Income / Assets ?	-0.33% -267.9% YoY -133.2% QoQ	-0.55%	0.22% +0.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Bottom 0.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Liquidity Overhang

risk

#10 of 24 • Bottom 37.5% 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: 30.49%

(Tier: 15.51%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 28.47%

(Tier: 80.79%, National: 76.70%)

better than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#8 of 18 • Bottom 38.9% in tier

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

18 of 18 Large banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 28.47%

Peer Median: 80.79%

#5 of 137 Top 2.9% in $10B-$250B

Net Interest Margin

profitability

Value: 6.37%

Peer Median: 3.77%

#7 of 137 Top 4.4% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 30.49%

Peer Median: 15.51%

#8 of 137 Top 5.1% in $10B-$250B

Top Weaknesses (6 metrics)

137

Non-Interest Income / Assets

revenue_mix

Value: -0.33%

Peer Median: 0.22%

#137 of 137 Bottom 0.7% in $10B-$250B

136

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.28%

#136 of 137 Bottom 1.5% in $10B-$250B

133

Efficiency Ratio

profitability

Value: 78.58%

Peer Median: 54.01%

#133 of 137 Bottom 3.6% in $10B-$250B

131

Non-Interest-Bearing Deposit Share

funding

Value: 0.13%

Peer Median: 20.04%

#131 of 137 Bottom 5.1% in $10B-$250B

129

Delinquency Rate

credit_quality

Value: 2.43%

Peer Median: 1.02%

#129 of 136 Bottom 5.9% in $10B-$250B

124

Total Loans

size

Value: $7.88B

Peer Median: $29.36B

#124 of 137 Bottom 10.2% in $10B-$250B