TD Bank USA, National Association: how it compares with its peers
Against 78 U.S. banks with half to twice its assets, TD Bank USA, National Association's strongest measure in Q2 2026 is net interest margin (6.39% vs. a 3.63% peer median). Its weakest relative measure is efficiency ratio (70.31% vs. 55.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.41% | 1.24% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.39% | 3.63% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.31% | 55.20% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $25.7M | $12.0M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.88% | 86.19% | Context |
What it means for lending operations
Its efficiency ratio of 70.31% is above the 55.20% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Fulton Bank, National Association Lancaster, PA · $32.56B
- Glacier Bank Kalispell, MT · $31.58B
- Eastern Bank Boston, MA · $31.13B
- Texas Capital Bank Dallas, TX · $33.62B
- BNY Mellon, National Association Pittsburgh, PA · $30.62B
- United Bank Fairfax, VA · $33.64B
Questions about TD Bank USA, National Association
How big is TD Bank USA, National Association?
TD Bank USA, National Association, established in 1994, is headquartered in Wilmington, DE. It reported $32.13B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is TD Bank USA, National Association's return on assets?
0.41% annualized in Q2 2026, against a 1.24% median for 78 U.S. banks with half to twice its assets, ahead of 10% of them.
What is TD Bank USA, National Association's efficiency ratio?
70.31% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 55.20%, and lower is better.
Is TD Bank USA, National Association growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits shrank 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Delaware bank ranked.