Wilmington, DE · Cert 33947 · Toronto-Dominion Bank the
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
4
Profitability
34
Liquidity
0
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wilmington, DE · Cert 33947 · Toronto-Dominion Bank the
National charter · OCC · 1 affiliate bank · 1 branch (1,051 in holding)
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 4.0% share · #6 of 88 inst. · $27.2B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.36% | 1.28% | 1.19% | 1.25% | 1.16% | 0.12% | 0.41% | -78 bps | |
| Return on Equity | 0.82% | 2.96% | 10.30% | 9.47% | 9.91% | 9.37% | 1.07% | 3.55% | -592 bps | |
| Net Interest Margin | 6.63% | 6.44% | 6.21% | 6.17% | 6.16% | 6.17% | 6.22% | 6.18% | +1 bps | |
| Efficiency Ratio | 72.07% | 68.55% | 56.63% | 56.95% | 57.65% | 58.07% | 78.58% | 70.31% | +1,336 bps | |
| Non-Interest Burden | 4.54% | 4.12% | 3.18% | 3.15% | 3.15% | 3.16% | 5.17% | 4.52% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.90% | -2.44% | 1.02% | 2.42% | 0.23% | -2.48% | -5.81% | -6.90% | -932 bps | |
| Loan Growth (YoY) | 0.67% | -0.61% | -3.10% | -2.84% | -2.69% | -3.34% | -2.50% | -1.95% | +90 bps | |
| Deposit Growth (YoY) | -10.28% | -4.85% | -1.14% | 2.47% | 3.06% | -1.14% | -2.34% | -2.82% | -529 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.39% | 2.29% | 2.33% | 2.41% | 2.33% | 2.13% | 2.19% | 2.08% | -33 bps | |
| Net Charge-Offs / Loans | 6.06% | 5.50% | 6.55% | 6.00% | 5.99% | 5.38% | 5.59% | 5.50% | -50 bps | |
| Allowance / Loans | 10.11% | 9.37% | 10.20% | 10.33% | 10.01% | 9.28% | 9.91% | 9.90% | -43 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.1x | 4.4x | 4.3x | 4.3x | 4.4x | 4.5x | 4.8x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.52% | 12.47% | 12.78% | 12.85% | 12.93% | 11.04% | 11.33% | 11.56% | -128 bps | |
| Total Risk-Based Capital | 34.67% | 32.32% | 35.30% | 35.23% | 35.58% | 29.93% | 31.81% | 32.53% | -271 bps | |
| Equity / Assets | 12.11% | 12.12% | 12.81% | 12.64% | 12.99% | 11.16% | 11.51% | 11.93% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.11% | 34.51% | 31.66% | 31.77% | 31.26% | 33.74% | 31.60% | 32.06% | +29 bps | |
| Liquid Assets / Assets | 14.72% | 13.57% | 14.44% | 13.32% | 13.26% | 14.21% | 17.26% | 13.14% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 3.33% | 3.91% | 2.83% | n/a | n/a | |
Wilmington, DE · Cert 33947 · Peer group: banks over $10B in assets (n=142-144) · Toronto-Dominion Bank the
National charter · OCC · 1 affiliate bank · 1 branch (1,051 in holding)
Q2 2026
Return on Assets
0.42%
Rank 138 of 144
Net Interest Margin
6.18%
Rank 8 of 144
Efficiency Ratio
70.31%
Rank 129 of 144
Equity / Assets
11.93%
Rank 53 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 1.00% | 1.26% | 1.54% | Beats 4% | 138 / 144 | ||
| Return on Equity | 3.54% | 8.98% | 11.34% | 14.40% | Beats 3% | 139 / 144 | ||
| Net Interest Margin | 6.18% | 2.82% | 3.31% | 3.68% | Beats 94% | 8 / 144 | ||
| Efficiency Ratio | 70.31% | 49.42% | 56.02% | 62.41% | Beats 11% | 129 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.08% | 0.48% | 0.73% | 1.07% | Beats 7% | 133 / 142 | ||
| Net Charge-Offs / Loans | 3.71% | 0.05% | 0.11% | 0.22% | Beats 1% | 141 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.20% | 12.07% | 12.98% | 14.92% | Beats 96% | 6 / 144 | ||
| Total Risk-Based Capital Ratio | 32.53% | 13.39% | 14.14% | 16.25% | Beats 96% | 6 / 144 | ||
| Equity / Assets | 11.93% | 9.69% | 11.39% | 12.96% | Beats 63% | 53 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.06% | 75.72% | 84.92% | 91.56% | 3rd pctl | 138 / 143 | ||
| Loans / Assets | 27.12% | 59.83% | 69.07% | 74.80% | 5th pctl | 137 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||