TD Bank USA, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks TD Bank USA, N.A. of Wilmington, DE against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 1.35% | -0.64% | 10th bottom |
| ROAE | 6.06% | 12.34% | -6.28% | 10th bottom |
| Net Interest Margin | 6.24% | 3.66% | +2.58% | 96th top |
| Efficiency Ratio | 63.79% | 53.73% | +10.06% | 19th bottom |
| PPNR / Avg Assets | 2.26% | 1.95% | +0.31% | 79th top |
| Yield on Earning Assets | 9.55% | 5.54% | +4.01% | 97th top |
| Cost of Funds | 3.68% | 1.98% | +1.70% | 4th bottom |
| Net Interest Spread | 5.84% | 2.95% | +2.89% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.64% | 1.06% | -0.42% | 67th above |
| NPA / Total Assets | 0.17% | 0.76% | -0.59% | 90th top |
| NCO / Avg Loans | 5.42% | 0.32% | +5.10% | 1st bottom |
| ACL / Total Loans | 9.90% | 1.30% | +8.60% | 99th top |
| ACL / NPLs (Coverage) | 1545.91% | 198.93% | +1346.98% | — |
| Texas Ratio | 5.03% | 10.28% | -5.25% | 63rd above |
| Provision / NCO | 84.23% | 107.62% | -23.39% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.20% | 14.61% | +16.59% | 96th top |
| Tier 1 Ratio | 31.20% | 14.73% | +16.47% | 96th top |
| Total Capital Ratio | 32.53% | 15.95% | +16.58% | 96th top |
| Leverage Ratio | 11.56% | 10.25% | +1.31% | 84th top |
| Equity / Assets | 11.93% | 11.54% | +0.39% | 60th above |
| TCE / Tangible Assets | 11.93% | 9.46% | +2.47% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.06% | 84.31% | -52.25% | 97th top |
| Core Deposit Ratio | 95.91% | 86.69% | +9.22% | 83rd top |
| Uninsured Deposit Ratio | 1.28% | 39.25% | -37.97% | 100th top |
| Wholesale Funding Ratio | 2.86% | 5.67% | -2.81% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.90% | 10.22% | -17.12% | 2nd bottom |
| Loan Growth (Y/Y) | -1.95% | 10.22% | -12.17% | 10th bottom |
| Deposit Growth (Y/Y) | -2.82% | 10.05% | -12.87% | 6th bottom |
See TD Bank USA, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock TD Bank USA, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full TD Bank USA, N.A. profile, how to read a UBPR, or how this data updates.