TD Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 2.2%, from $1.17B to $1.14B, the largest move among the key lines here. TD Bank, N.A. has the 2nd lowest net interest margin of the 17 banks headquartered in Delaware, at 3.22% as of Q2 2026. The median for banks in the >= $250B asset tier is 2.88% on net interest margin. TD Bank, N.A. sits 0.35 points higher, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.25% |
| Yield on securities | 4.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.12B |
| Total interest expense | $1.14B |
| Interest expense on deposits | $1.06B |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.67% | 1.90% | 2.67% | 5.43% | 3.74% |
| Q4 2023 | 4.84% | 2.04% | 2.70% | 5.60% | 3.87% |
| Q1 2024 | 4.84% | 2.13% | 2.61% | 5.57% | 3.87% |
| Q2 2024 | 4.93% | 2.20% | 2.64% | 5.60% | 3.97% |
| Q3 2024 | 5.07% | 2.33% | 2.66% | 5.55% | 4.29% |
| Q4 2024 | 4.87% | 2.23% | 2.56% | 5.45% | 4.05% |
| Q1 2025 | 4.77% | 1.88% | 2.79% | 5.29% | 4.07% |
| Q2 2025 | 4.87% | 1.81% | 2.97% | 5.35% | 4.28% |
| Q3 2025 | 4.98% | 1.87% | 3.01% | 5.38% | 4.51% |
| Q4 2025 | 4.88% | 1.57% | 3.24% | 5.39% | 4.37% |
| Q1 2026 | 4.63% | 1.39% | 3.16% | 5.22% | 4.04% |
| Q2 2026 | 4.67% | 1.37% | 3.22% | 5.25% | 4.07% |
TD Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)