TD Bank USA, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 250.73 percentage points higher than in Q1 2026, at 1545.91%. On return on assets, TD Bank USA, N.A. is 3rd from the bottom among 17 Delaware banks, 0.71% (Q2 2026). TD Bank USA, N.A. reported 0.71% on return on assets for Q2 2026, 0.59 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.20% |
| Tier 1 risk-based capital ratio | 31.20% |
| Total risk-based capital ratio | 32.53% |
| Tier 1 leverage ratio | 11.56% |
| Equity capital to assets | 11.93% |
| Tangible equity to tangible assets | 11.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 5.42% |
| Texas ratio | 5.03% |
| Allowance for credit losses to loans | 9.90% |
| Reserve coverage of non-performing loans | 1545.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 6.06% |
| Net interest margin | 6.24% |
| Efficiency ratio | 63.79% |
| Yield on earning assets | 9.55% |
| Cost of funds | 3.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.06% |
| Core deposits to total deposits | 95.91% |
| Brokered deposits to total deposits | 4.98% |
| Deposits to assets | 84.60% |
| Securities to assets | 57.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 31.52% | 31.52% | 32.85% | 11.27% | 1.45% |
| Q4 2023 | 30.06% | 30.06% | 31.38% | 11.83% | 1.36% |
| Q1 2024 | 32.72% | 32.72% | 34.05% | 12.16% | 0.61% |
| Q2 2024 | 33.97% | 33.97% | 35.29% | 12.89% | 1.33% |
| Q3 2024 | 33.35% | 33.35% | 34.67% | 12.52% | -1.67% |
| Q4 2024 | 31.00% | 31.00% | 32.32% | 12.47% | 1.14% |
| Q1 2025 | 33.97% | 33.97% | 35.30% | 12.78% | 1.30% |
| Q2 2025 | 33.91% | 33.91% | 35.23% | 12.85% | 1.10% |
| Q3 2025 | 34.26% | 34.26% | 35.58% | 12.93% | 1.39% |
| Q4 2025 | 28.61% | 28.61% | 29.93% | 11.04% | 0.88% |
| Q1 2026 | 30.49% | 30.49% | 31.81% | 11.33% | 0.12% |
| Q2 2026 | 31.20% | 31.20% | 32.53% | 11.56% | 0.71% |
TD Bank USA, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank USA, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)