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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wilmington, DE · FDIC certificate #33947 · RSSD 2121196
TD BANK USA NATIONAL ASSN is an FDIC-insured institution based in Wilmington, DE (FDIC certificate #33947). In its Q3 2026 Call Report it reported total assets of $31.1B, total deposits of $26.2B and net loans of $7.8B. Its primary federal regulator is OCC. Its current parent is TD BANK US HOLDING COMPANY.
Plain-language readout
TD BANK USA NATIONAL ASSN is compared with 107 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: TD BANK USA NATIONAL ASSN reported 0.050, in the 57.5th percentile of 107 peers, where the median is 0.032. Common equity tier 1 ratio: TD BANK USA NATIONAL ASSN reported 0.312, in the 94.4th percentile of 108 peers, where the median is 0.130. Selected CRE loans to gross loans and leases: TD BANK USA NATIONAL ASSN reported 0.012, in the 8.8th percentile of 103 peers, where the median is 0.425. Selected CRE loans to total capital: TD BANK USA NATIONAL ASSN reported 0.027, in the 10.5th percentile of 106 peers, where the median is 2.786. Domestic secured CRE noncurrent ratio: TD BANK USA NATIONAL ASSN reported 0.000, in the 0.0th percentile of 101 peers, where the median is 0.006. Deposit funding ratio: TD BANK USA NATIONAL ASSN reported 0.846, in the 68.5th percentile of 112 peers, where the median is 0.828. Nontrading derivative fair value to assets: TD BANK USA NATIONAL ASSN reported 0.000, in the 0.0th percentile of 22 peers, where the median is 0.002. Bank equity to assets: TD BANK USA NATIONAL ASSN reported 0.119, in the 58.9th percentile of 108 peers, where the median is 0.117. Cash and securities to assets: TD BANK USA NATIONAL ASSN reported 0.705, in the 96.3th percentile of 108 peers, where the median is 0.224. Quarterly loan growth: TD BANK USA NATIONAL ASSN reported -0.003, in the 17.1th percentile of 106 peers, where the median is 0.015. Loan-to-asset ratio: TD BANK USA NATIONAL ASSN reported 0.244, in the 4.5th percentile of 112 peers, where the median is 0.697. Domestic loans to domestic deposits: TD BANK USA NATIONAL ASSN reported 0.321, in the 3.8th percentile of 107 peers, where the median is 0.870. Net interest margin: TD BANK USA NATIONAL ASSN reported 6.390, in the 95.5th percentile of 112 peers, where the median is 3.648. Net loans and leases: TD BANK USA NATIONAL ASSN reported 7850373.000, in the 14.4th percentile of 112 peers, where the median is 13066058.500. Nonaccrual loans ratio: TD BANK USA NATIONAL ASSN reported 0.000, in the 3.8th percentile of 106 peers, where the median is 0.006. Noncurrent loans ratio: TD BANK USA NATIONAL ASSN reported 0.021, in the 94.3th percentile of 106 peers, where the median is 0.007. Return on assets: TD BANK USA NATIONAL ASSN reported 0.409, in the 9.0th percentile of 112 peers, where the median is 1.230. Return on equity: TD BANK USA NATIONAL ASSN reported 3.550, in the 3.7th percentile of 108 peers, where the median is 10.625. Securities to assets: TD BANK USA NATIONAL ASSN reported 0.573, in the 97.2th percentile of 108 peers, where the median is 0.162. Selected unused commitments to assets: TD BANK USA NATIONAL ASSN reported 1.505, in the 98.1th percentile of 108 peers, where the median is 0.025. Total assets: TD BANK USA NATIONAL ASSN reported 32125899.000, in the 84.7th percentile of 112 peers, where the median is 19753629.500. Total deposits: TD BANK USA NATIONAL ASSN reported 27178460.000, in the 86.5th percentile of 112 peers, where the median is 16174213.500. Efficiency ratio (official UBPR): TD BANK USA NATIONAL ASSN reported 0.703, in the 87.9th percentile of 108 peers, where the median is 0.562. Net interest margin (official UBPR): TD BANK USA NATIONAL ASSN reported 0.063, in the 95.3th percentile of 108 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.094, in the 96.3th percentile of 108 peers, where the median is 0.049. Interest Expense as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.032, in the 97.2th percentile of 108 peers, where the median is 0.016. Net Interest Income (TE) % of Avg Assets: TD BANK USA NATIONAL ASSN reported 0.062, in the 96.3th percentile of 108 peers, where the median is 0.034. Noninterest Income as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported -0.006, in the 0.0th percentile of 108 peers, where the median is 0.007. Non-Interest Expense as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.039, in the 91.6th percentile of 108 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: TD BANK USA NATIONAL ASSN reported 0.012, in the 97.2th percentile of 108 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: TD BANK USA NATIONAL ASSN reported 0.004, in the 3.7th percentile of 108 peers, where the median is 0.017. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.000, in the 13.1th percentile of 108 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.004, in the 2.8th percentile of 108 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.004, in the 5.6th percentile of 108 peers, where the median is 0.012. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.004, in the 5.6th percentile of 108 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.976, in the 90.7th percentile of 108 peers, where the median is 0.937. Average Interest-Bearing Funds as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.877, in the 86.9th percentile of 108 peers, where the median is 0.717. Interest Income (TE) as a percent of Average Earning Assets: TD BANK USA NATIONAL ASSN reported 0.096, in the 96.3th percentile of 108 peers, where the median is 0.053. Net Interest Income (TE) as a percent of Average Earning Assets: TD BANK USA NATIONAL ASSN reported 0.063, in the 95.3th percentile of 108 peers, where the median is 0.036. Net Loss as a percent of Average Total Loans and Leases: TD BANK USA NATIONAL ASSN reported 0.054, in the 99.0th percentile of 106 peers, where the median is 0.001. Total LN&LS-30-89 DAYS Past Due %: TD BANK USA NATIONAL ASSN reported 0.021, in the 96.2th percentile of 106 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: TD BANK USA NATIONAL ASSN reported 0.289, in the 3.8th percentile of 107 peers, where the median is 0.858. Net Income Attributed to Minority Interests as a percent of Average Assets: TD BANK USA NATIONAL ASSN reported 0.000, in the 0.9th percentile of 108 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: TD BANK USA NATIONAL ASSN reported 0.000, in the 3.7th percentile of 108 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: TD BANK USA NATIONAL ASSN reported 0.000, in the 21.5th percentile of 108 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): TD BANK USA NATIONAL ASSN reported 0.017, in the 39.3th percentile of 108 peers, where the median is 0.018. Return on assets (official UBPR): TD BANK USA NATIONAL ASSN reported 0.004, in the 5.6th percentile of 108 peers, where the median is 0.012. Return on equity (official UBPR): TD BANK USA NATIONAL ASSN reported 0.035, in the 3.7th percentile of 108 peers, where the median is 0.106. Estimated uninsured to domestic deposits: TD BANK USA NATIONAL ASSN reported 0.013, in the 0.0th percentile of 107 peers, where the median is 0.383.
Peer history below covers 43 quarters of TD BANK USA NATIONAL ASSN's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.050 | 0.032 | 57.5th | 107 |
| Common equity tier 1 ratio | 0.312 | 0.130 | 94.4th | 108 |
| Selected CRE loans to gross loans and leases | 0.012 | 0.425 | 8.8th | 103 |
| Selected CRE loans to total capital | 0.027 | 2.786 | 10.5th | 106 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.006 | 0.0th | 101 |
| Deposit funding ratio | 0.846 | 0.828 | 68.5th | 112 |
| Nontrading derivative fair value to assets | 0.000 | 0.002 | 0.0th | 22 |
| Bank equity to assets | 0.119 | 0.117 | 58.9th | 108 |
| Cash and securities to assets | 0.705 | 0.224 | 96.3th | 108 |
| Quarterly loan growth | -0.003 | 0.015 | 17.1th | 106 |
| Loan-to-asset ratio | 0.244 | 0.697 | 4.5th | 112 |
| Domestic loans to domestic deposits | 0.321 | 0.870 | 3.8th | 107 |
| Net interest margin | 6.390 | 3.648 | 95.5th | 112 |
| Net loans and leases | 7850373.000 | 13066058.500 | 14.4th | 112 |
| Nonaccrual loans ratio | 0.000 | 0.006 | 3.8th | 106 |
| Noncurrent loans ratio | 0.021 | 0.007 | 94.3th | 106 |
| Return on assets | 0.409 | 1.230 | 9.0th | 112 |
| Return on equity | 3.550 | 10.625 | 3.7th | 108 |
| Securities to assets | 0.573 | 0.162 | 97.2th | 108 |
| Selected unused commitments to assets | 1.505 | 0.025 | 98.1th | 108 |
| Total assets | 32125899.000 | 19753629.500 | 84.7th | 112 |
| Total deposits | 27178460.000 | 16174213.500 | 86.5th | 112 |
| Efficiency ratio (official UBPR) | 0.703 | 0.562 | 87.9th | 108 |
| Net interest margin (official UBPR) | 0.063 | 0.036 | 95.3th | 108 |
| Interest Income (TE) as a percent of Average Assets | 0.094 | 0.049 | 96.3th | 108 |
| Interest Expense as a percent of Average Assets | 0.032 | 0.016 | 97.2th | 108 |
| Net Interest Income (TE) % of Avg Assets | 0.062 | 0.034 | 96.3th | 108 |
| Noninterest Income as a percent of Average Assets | -0.006 | 0.007 | 0.0th | 108 |
| Non-Interest Expense as a percent of Average Assets | 0.039 | 0.023 | 91.6th | 108 |
| Provision for Loan Losses % of Avg Assets | 0.012 | 0.001 | 97.2th | 108 |
| Pretax Operating Income (TE) % of Avg Assets | 0.004 | 0.017 | 3.7th | 108 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 13.1th | 108 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.004 | 0.016 | 2.8th | 108 |
| Net Operating Income as a percent of Average Assets | 0.004 | 0.012 | 5.6th | 108 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.004 | 0.012 | 5.6th | 108 |
| Average Earning Assets as a percent of Average Assets | 0.976 | 0.937 | 90.7th | 108 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.877 | 0.717 | 86.9th | 108 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.096 | 0.053 | 96.3th | 108 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.063 | 0.036 | 95.3th | 108 |
| Net Loss as a percent of Average Total Loans and Leases | 0.054 | 0.001 | 99.0th | 106 |
| Total LN&LS-30-89 DAYS Past Due % | 0.021 | 0.003 | 96.2th | 106 |
| Net Loans & Leases as a percent of Total Deposits | 0.289 | 0.858 | 3.8th | 107 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.9th | 108 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 3.7th | 108 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 21.5th | 108 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.017 | 0.018 | 39.3th | 108 |
| Return on assets (official UBPR) | 0.004 | 0.012 | 5.6th | 108 |
| Return on equity (official UBPR) | 0.035 | 0.106 | 3.7th | 108 |
| Estimated uninsured to domestic deposits | 0.013 | 0.383 | 0.0th | 107 |
Peer interpretation
$10B–$50B asset cohort · 106 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 107 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Total depositsDEP | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | > P75 | < P25 | P25–75 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | < P25 | — |
| Return on equityROE | > P75 | < P25 | P25–75 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | < P25 | < P25 | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.