TD Bank USA, 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.
Compared with Q1 2026, Loan-to-deposit ratio rose 0.45 percentage points in Q2 2026 to 32.06%, the biggest move on this page. Within Delaware, TD Bank USA, N.A. is 11th of 17 on loan-to-deposit ratio, 32.06% as of Q2 2026, below the middle of the field. TD Bank USA, N.A.'s loan-to-deposit ratio of 32.06% is well below the 86.83% median for banks in the $10B-100B asset tier, a gap of 54.78 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $8.71B |
| Net loans and leases | $7.85B |
| Loans held for sale | $0 |
| Loans to total assets | 27.12% |
| Loan-to-deposit ratio | 32.06% |
| Net loans to equity capital | 2.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.41% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 0.00% |
| Consumer | 97.77% |
| Credit cards | 97.77% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.42% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.60% |
| Construction concentration (Tier 1 capital + allowance) | 1.04% |
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 | 23.18% |
| Interest income on loans | $502.8M |
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 | $9.08B | $30.78B | 0.29% | 0.00% | 97.82% |
| Q4 2023 | $10.09B | $30.55B | 0.26% | 0.00% | 97.86% |
| Q1 2024 | $9.25B | $28.65B | 0.28% | 0.00% | 97.58% |
| Q2 2024 | $9.15B | $27.29B | 0.44% | 0.00% | 97.87% |
| Q3 2024 | $9.14B | $27.62B | 0.43% | 0.00% | 98.04% |
| Q4 2024 | $10.03B | $29.07B | 0.39% | 0.13% | 97.84% |
| Q1 2025 | $8.97B | $28.33B | 0.41% | 0.18% | 97.53% |
| Q2 2025 | $8.89B | $27.97B | 0.41% | 0.18% | 97.41% |
| Q3 2025 | $8.90B | $28.47B | 0.41% | 0.00% | 97.34% |
| Q4 2025 | $9.70B | $28.74B | 0.37% | 0.00% | 97.66% |
| Q1 2026 | $8.74B | $27.66B | 0.42% | 0.00% | 97.89% |
| Q2 2026 | $8.71B | $27.18B | 0.41% | 0.00% | 97.77% |
TD Bank USA, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank USA, 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 USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33947) · FFIEC NIC profile (RSSD 2121196)