BlastPoint's Banking Scorecard
TD Bank USA, National Association
Large
Specialty: Other
DE
FDIC cert 33947
Wilmington, DE
69
banks in Large tier nationally
3 in DE
View Large leaderboard (DE) →
TD Bank USA, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.93% above tier
- + Tier 1 Capital Ratio 15.28% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.47% above tier
- - Loan-to-Deposit Ratio 51.11% below tier
- - Non-Interest-Bearing Deposit Share 19.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.6B
-2.5% YoY
+1.0% QoQ
|
-$40.2B |
$74.9B
-4.4% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$8.8B
-3.2% YoY
+9.8% QoQ
|
-$37.6B |
$46.4B
-2.1% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$28.7B
-1.1% YoY
+1.0% QoQ
|
-$31.7B |
$60.5B
-4.5% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.16%
+225.6% YoY
-7.6% QoQ
|
-0.04% |
1.19%
+17.8% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
6.39%
-4.5% YoY
-0.3% QoQ
|
+2.93% |
3.46%
+13.1% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
58.07%
-15.3% YoY
+0.7% QoQ
|
+3.04% |
55.03%
-2.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
2.35%
-7.2% YoY
-9.1% QoQ
|
+1.47% |
0.88%
-0.3% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
30.61%
-2.1% YoY
+8.8% QoQ
|
-51.11% |
81.72%
+3.9% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.11%
+12.3% YoY
-8.3% QoQ
|
-19.86% |
19.97%
+0.5% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.60%
-7.9% YoY
-1.2% QoQ
|
+0.04% |
0.55%
+9.0% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
28.61%
-7.7% YoY
-16.5% QoQ
|
+15.28% |
13.33%
-0.7% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.99%
+10.1% YoY
+40.5% QoQ
|
-0.10% |
1.09%
+2.4% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Large
Why this stands out
Current:
6.39%
(Tier avg: 3.46%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 1%
in Large
Why this stands out
Current:
28.61%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (3)
Delinquency Rate
metric
Bottom 9%
in Large
Why this stands out
Current:
2.35%
(Tier avg: 0.88%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Large
Why this stands out
Current:
30.61%
(Tier avg: 81.72%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Large
Why this stands out
Current:
0.11%
(Tier avg: 19.97%, National avg: 21.79%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 28.61% · Tier avg: 13.33%
94
94th pctile
Net Interest Margin
Current: 6.39% · Tier avg: 3.46%
69
69th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 1.09%
46
46th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.19%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.55%
36
36th pctile
Total Deposits
Current: $28.7B · Tier avg: $60.5B
32
32th pctile
Total Assets
Current: $34.6B · Tier avg: $74.9B
31
31th pctile
Efficiency Ratio
Current: 58.07% · Tier avg: 55.03%
9
9th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.88%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 0.11% · Tier avg: 19.97%
4
4th pctile
Total Loans
Current: $8.8B · Tier avg: $46.4B
0
0th pctile
Loan-to-Deposit Ratio
Current: 30.61% · Tier avg: 81.72%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 30.61% · Tier avg: 81.72%
4
4th pctile
Total Loans
Current: $8.8B · Tier avg: $46.4B
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 0.11% · Tier avg: 19.97%
9
9th pctile
Delinquency Rate
Current: 2.35% · Tier avg: 0.88%
31
31th pctile
Efficiency Ratio
Current: 58.07% · Tier avg: 55.03%
32
32th pctile
Total Assets
Current: $34.6B · Tier avg: $74.9B
36
36th pctile
Total Deposits
Current: $28.7B · Tier avg: $60.5B
38
38th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.55%
46
46th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.19%
69
69th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 1.09%
94
94th pctile
Net Interest Margin
Current: 6.39% · Tier avg: 3.46%
100
100th pctile
Tier 1 Capital Ratio
Current: 28.61% · Tier avg: 13.33%