TD Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.85 percentage points higher than in Q1 2026, at 65.86%. Within Delaware, TD Bank, N.A. is 10th of 17 on loan-to-deposit ratio, 59.55% as of Q2 2026, below the middle of the field. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. TD Bank, N.A. sits 2.13 points lower, at 59.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $165.36B |
| Net loans and leases | $162.61B |
| Loans held for sale | $336.9M |
| Loans to total assets | 48.24% |
| Loan-to-deposit ratio | 59.55% |
| Net loans to equity capital | 3.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.72% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 14.17% |
| Consumer | 21.93% |
| Credit cards | 2.89% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.86% |
| Construction concentration (Tier 1 capital + allowance) | 11.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.25% |
| Interest income on loans | $2.12B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $179.64B | $304.49B | 11.30% | 17.74% | 18.90% |
| Q4 2023 | $182.84B | $303.72B | 11.20% | 17.56% | 18.75% |
| Q1 2024 | $184.72B | $298.34B | 11.64% | 17.35% | 19.09% |
| Q2 2024 | $185.09B | $290.08B | 11.62% | 17.19% | 19.18% |
| Q3 2024 | $185.16B | $294.57B | 11.57% | 16.90% | 19.41% |
| Q4 2024 | $182.17B | $297.22B | 11.70% | 15.99% | 19.77% |
| Q1 2025 | $172.53B | $295.36B | 12.25% | 16.19% | 20.42% |
| Q2 2025 | $171.54B | $293.31B | 12.00% | 15.41% | 20.91% |
| Q3 2025 | $167.59B | $287.10B | 11.98% | 13.59% | 21.73% |
| Q4 2025 | $166.41B | $283.54B | 11.78% | 13.54% | 22.01% |
| Q1 2026 | $165.83B | $282.55B | 11.74% | 13.99% | 21.82% |
| Q2 2026 | $165.36B | $277.67B | 11.72% | 14.17% | 21.93% |
TD Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full TD Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18409) · FFIEC NIC profile (RSSD 497404)