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TD Bank USA, National Association
Wilmington, DE·FDIC Cert #33947·Charter: OCC·Est. 19941013.0·HC: TORONTO-DOMINION BANK THE
Total Assets
$34.6B
Q4 2025
Return on Assets
1.16%
-0.10%Peer avg: 1.09%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.07%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%-0.10
ROE
9.37%-0.54
Efficiency
58.07%+0.42
Equity/Assets
0.00%+0.00
NPL Ratio
2.35%-0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
30.61%+2.47
Charge-offs
5.61%-0.19
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 | 0.6 | 1.0 | 0.1 | 0.4 | 1.3 | 1.2 | 1.3 | 1.2 |
| ROE | 5.2 | 8.0 | 0.8 | 3.0 | 10.3 | 9.5 | 9.9 | 9.4 |
| Efficiency | 62.2 | 59.4 | 72.1 | 68.5 | 56.6 | 57.0 | 57.6 | 58.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.7 | 2.6 | 2.7 | 2.5 | 2.6 | 2.7 | 2.6 | 2.3 |
| Charge-offs | 5.9 | 6.0 | 5.9 | 5.8 | 6.2 | 5.7 | 5.8 | 5.6 |
| Loan/Deposit | 29.0 | 30.1 | 29.8 | 31.3 | 28.4 | 28.5 | 28.1 | 30.6 |
Balance Sheet
Total Assets$34.6B
Total Deposits$28.7B
Total Loans$8.8B
Total Equity$3.9B
Profitability
ROA1.16%
ROE9.37%
Efficiency Ratio58.07%
Net Income$401.8M
Risk & Asset Quality
NPL Ratio2.35%
Charge-off Rate5.61%
Loan/Deposit30.61%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans