TD Bank USA, National Association
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
$32.1BAssets
$8.7BLoans
$27.2BDeposits
$3.8BEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of banks over $10B in assets (rank 6 of 144).
- Widest gap: net charge-offs / loans trails 99% of banks over $10B in assets (rank 141 of 142).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.5B · efficiency ratio beats 11% of banks over $10B in assets | 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 |