BlastPoint's Banking Scorecard
TD Bank, National Association
Titans
Specialty: Other
DE
FDIC cert 18409
Wilmington, DE
16
banks in Titans tier nationally
2 in DE
View Titans leaderboard (DE) →
TD Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Titans
- - Liquidity Overhang: Bottom 40% in Titans
- - Return on Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$346.2B
-7.1% YoY
-1.3% QoQ
|
-$606.2B |
$952.4B
-3.6% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$163.7B
-8.8% YoY
-0.7% QoQ
|
-$254.8B |
$418.5B
-0.2% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$283.5B
-4.6% YoY
-1.2% QoQ
|
-$456.3B |
$739.8B
-3.8% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.54%
+249.0% YoY
-0.6% QoQ
|
-0.57% |
1.11%
+7.2% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.02%
+12.6% YoY
+2.4% QoQ
|
+0.55% |
2.47%
+1.2% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
67.60%
-32.4% YoY
+2.1% QoQ
|
+11.73% |
55.86%
+1.9% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
1.23%
+28.7% YoY
+10.3% QoQ
|
+0.37% |
0.86%
-12.4% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
57.73%
-4.4% YoY
+0.5% QoQ
|
+2.05% |
55.68%
+5.4% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
18.97%
+4.9% YoY
-1.1% QoQ
|
+4.18% |
14.80%
-14.8% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.61%
+25.7% YoY
+12.2% QoQ
|
+0.17% |
0.44%
-9.5% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
18.11%
+6.9% YoY
+0.8% QoQ
|
+2.59% |
15.52%
+8.4% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.57%
+267.8% YoY
+25.2% QoQ
|
-0.69% |
1.25%
-5.5% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Deposit Outflow
decline
#1 of 2 · Bottom 1% in Titans
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
2 of 2 Titans banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Overhang
risk
#3 of 6 · Bottom 40% in Titans
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.11%
(Tier: 15.52%, National: 9.75%)
Loan-to-Deposit Ratio:
57.73%
(Tier: 55.68%, National: 78.04%)
6 of 6 Titans banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 6%
in Titans
Why this stands out
Current:
0.54%
(Tier avg: 1.11%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Tier 1 Capital Ratio
Current: 18.11% · Tier avg: 15.52%
62
62th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 2.47%
56
56th pctile
Loan-to-Deposit Ratio
Current: 57.73% · Tier avg: 55.68%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 14.80%
38
38th pctile
Total Loans
Current: $163.7B · Tier avg: $418.5B
38
38th pctile
Total Deposits
Current: $283.5B · Tier avg: $739.8B
31
31th pctile
Total Assets
Current: $346.2B · Tier avg: $952.4B
25
25th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.44%
19
19th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.86%
19
19th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 1.25%
12
12th pctile
Efficiency Ratio
Current: 67.60% · Tier avg: 55.86%
6
6th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.11%
Top Weaknesses
6
6th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.11%
12
12th pctile
Efficiency Ratio
Current: 67.60% · Tier avg: 55.86%
19
19th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 1.25%
19
19th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.86%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.44%
31
31th pctile
Total Assets
Current: $346.2B · Tier avg: $952.4B
38
38th pctile
Total Deposits
Current: $283.5B · Tier avg: $739.8B
38
38th pctile
Total Loans
Current: $163.7B · Tier avg: $418.5B
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 14.80%
56
56th pctile
Loan-to-Deposit Ratio
Current: 57.73% · Tier avg: 55.68%
62
62th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 2.47%
81
81th pctile
Tier 1 Capital Ratio
Current: 18.11% · Tier avg: 15.52%