TD Bank USA, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and noninterest-bearing balances to assets: 4.12 percentage points lower than in Q1 2026, at 13.14%. TD Bank USA, N.A. ranks 11th of 17 Delaware banks on loan-to-deposit ratio, in the lower half at 32.06% (Q2 2026). Against a median of 86.83% for banks in the $10B-100B asset tier, TD Bank USA, N.A. reported 32.06% on loan-to-deposit ratio in Q2 2026, 54.78 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $4.22B |
| Cash and noninterest-bearing balances to assets | 13.14% |
| Cash and securities | $22.64B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $917.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.06% |
| Net loans and leases to deposits | 28.88% |
| Loans and leases to core deposits | 32.06% |
| Core deposits to total deposits | 95.91% |
| Brokered deposits to total deposits | 4.98% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 29.51% | 99.38% | $0 | $609.8M |
| Q4 2023 | 33.04% | 99.35% | $1.00B | $609.8M |
| Q1 2024 | 32.29% | 99.31% | $0 | $1.11B |
| Q2 2024 | 33.51% | 97.94% | $607.5M | $1.11B |
| Q3 2024 | 33.11% | 97.99% | $761.5M | $1.11B |
| Q4 2024 | 34.51% | 98.02% | $805.6M | $1.11B |
| Q1 2025 | 31.66% | 97.49% | $0 | $1.12B |
| Q2 2025 | 31.77% | 97.31% | $0 | $1.12B |
| Q3 2025 | 31.26% | 96.28% | $0 | $1.12B |
| Q4 2025 | 33.74% | 96.15% | $0 | $1.12B |
| Q1 2026 | 31.60% | 96.05% | $0 | $1.11B |
| Q2 2026 | 32.06% | 95.91% | $0 | $917.5M |
TD Bank USA, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank USA, N.A., freeSource: Call Report Schedules RC and RC-M, 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 USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33947) · FFIEC NIC profile (RSSD 2121196)