TD Bank USA, 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.15 percentage points to 6.24%. On net interest margin, TD Bank USA, N.A. ranks 3rd highest among the 17 banks headquartered in Delaware, at 6.24% (Q2 2026). Against a median of 3.60% for banks in the $10B-100B asset tier, TD Bank USA, N.A. reported 6.24% on net interest margin in Q2 2026, 2.64 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.55% |
| Yield on loans | 23.18% |
| Yield on securities | 4.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.68% |
| Cost of interest-bearing deposits | 3.56% |
| Cost of interest-bearing liabilities | 3.71% |
| Cost of borrowings | 7.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.24% |
| Yield to cost spread | 5.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $502.8M |
| Total interest expense | $263.1M |
| Interest expense on deposits | $243.6M |
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 | 10.99% | 5.19% | 6.34% | 24.79% | 6.34% |
| Q4 2023 | 11.23% | 5.35% | 6.47% | 24.31% | 6.52% |
| Q1 2024 | 11.26% | 5.27% | 6.60% | 24.51% | 6.42% |
| Q2 2024 | 11.25% | 5.32% | 6.58% | 24.41% | 6.39% |
| Q3 2024 | 11.43% | 5.35% | 6.77% | 24.60% | 6.49% |
| Q4 2024 | 10.66% | 4.70% | 6.53% | 23.95% | 5.78% |
| Q1 2025 | 10.12% | 4.27% | 6.36% | 23.42% | 5.33% |
| Q2 2025 | 10.03% | 4.36% | 6.23% | 23.79% | 5.23% |
| Q3 2025 | 10.13% | 4.39% | 6.30% | 23.50% | 5.36% |
| Q4 2025 | 9.81% | 4.02% | 6.26% | 22.98% | 5.08% |
| Q1 2026 | 9.68% | 3.66% | 6.39% | 23.08% | 4.68% |
| Q2 2026 | 9.55% | 3.68% | 6.24% | 23.18% | 4.66% |
TD Bank USA, 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 USA, 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 USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33947) · FFIEC NIC profile (RSSD 2121196)