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TD Bank, National Association
Wilmington, DE·FDIC Cert #18409·Charter: OCC·Est. 18520101.0·HC: TORONTO-DOMINION BANK THE
Total Assets
$346.2B
Q4 2025
Return on Assets
0.54%
-0.00%Peer avg: 1.28%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
67.60%
Peer avg: 51.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.54%-0.00
ROE
3.99%-0.08
Efficiency
67.60%+1.40
Equity/Assets
0.00%+0.00
NPL Ratio
1.23%+0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
57.73%+0.30
Charge-offs
0.50%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.0 | 0.3 | -0.3 | -0.4 | 0.4 | 0.5 | 0.5 | 0.5 |
| ROE | 0.3 | 2.7 | -2.7 | -2.9 | 3.3 | 3.9 | 4.1 | 4.0 |
| Efficiency | 87.8 | 76.3 | 99.8 | 100.0 | 59.0 | 64.0 | 66.2 | 67.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.8 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 |
| Charge-offs | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 | 0.5 | 0.5 | 0.5 |
| Loan/Deposit | 61.0 | 62.9 | 61.9 | 60.4 | 57.5 | 57.6 | 57.4 | 57.7 |
Balance Sheet
Total Assets$346.2B
Total Deposits$283.5B
Total Loans$163.7B
Total Equity$49.7B
Profitability
ROA0.54%
ROE3.99%
Efficiency Ratio67.60%
Net Income$1.9B
Risk & Asset Quality
NPL Ratio1.23%
Charge-off Rate0.50%
Loan/Deposit57.73%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans