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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Delaware, the state note

TD Bank National Association

Wilmington, Delaware · $342.80B in assets · beside the 5 other Delaware banks over $10B

The filing

1.5x
Coverage of noncurrent
6th of 6
0.83%
ROA
5th of 6
66.6%
Efficiency
5th of 6

TD Bank National Association is the second largest of the 6 Delaware banks over $10B, with $342.80B in assets at 30 June 2026. Loans are 59.6% of deposits, 2nd of 6 against a median of 70.0%, and equity is 13.3% of assets, 2nd of 6. Loans grew -3.6% in the year, 5th of 6, and deposits fell 5.3%; the cohort's median loan growth is +0.4%.

Noncurrent loans are 1.11% of the book, 3rd of 6 against a median of 1.39%; 0.45% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.48% of loans, 3rd of 6. Commercial real estate is 14.3% of loans, 4th of 6 against a median of 12.1%, and 64% of capital, below the 300% screen, with construction at 12% against the 100% screen.

Return on assets is 0.83%, 5th of 6 against a median of 1.14%, on an efficiency ratio of 66.6%, 5th of 6. Five years ago it was 0.70%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Return on assetsDE banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.14% BB Barclays Bank Delaware 2.37% WS Wilmington Savings Fund Society 1.56% PB PNC Bank National Association 1.30% SB Santander Bank N A 0.99% TB TD Bank National Association 0.83% TB TD Bank USA National Association 0.42%
Loans, year over yearDE banks over $10B · 30 June 2026 · no better direction, largest first
median +0.4% SB Santander Bank N A +18.7% PB PNC Bank National Association +12.6% WS Wilmington Savings Fund Society +2.7% TB TD Bank USA National Association -1.9% TB TD Bank National Association -3.6% BB Barclays Bank Delaware -10.0%

SBA 7(a), FY2008 to FY2026

TD Bank National Association is the 1st largest 7(a) lender into New Jersey of 308, with $1.08B across 7,092 loans, 8.2% of everything approved in the state (TD Bank, National Association leads with $1.08B). 113 of its 425 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$334M1st of 2158.4%-3.0 pts
Kings, NY$222M2nd of 1698.9%+6.2 pts
Suffolk, NY$152M2nd of 1748.5%+1.7 pts
Broward, FL$144M5th of 2094.8%-1.8 pts
Nassau, NY$135M2nd of 1718.0%+1.2 pts
Bergen, NJ$121M2nd of 1616.7%-0.0 pts
Queens, NY$119M4th of 1556.2%-0.8 pts
New York, NY$112M5th of 2084.0%+1.6 pts
Ocean, NJ$103M1st of 11912.4%+9.5 pts
Palm Beach, FL$88M5th of 1953.5%+1.3 pts
Morris, NJ$87M1st of 12610.0%+0.7 pts
Camden, NJ$86M2nd of 12610.2%-0.6 pts
Middlesex, NJ$85M1st of 1506.7%+2.3 pts
412 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade4,121$641M12.5%1.05%19th of 2,589
Accommodation & food services2,669$619M12.0%0.81%26th of 2,596
Health care & social assistance2,087$614M11.9%1.30%11th of 2,172
Construction6,108$607M11.8%1.91%7th of 2,063
Wholesale trade2,515$541M10.5%2.11%7th of 1,651
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and TD Bank National Association
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
TD Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen64%4th of 662%
Construction against capital, the 100% screen12%4th of 610%
Construction and land development, share of loans2.6%4th of 62.0%
Non-owner-occupied nonfarm nonresidential, share of loans7.6%5th of 64.3%
Total CRE, the guidance definition, share of loans14.3%4th of 612.1%
CRE growth over 36 months, the third prong+4.2%3rd of 6+6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
PNC Bank National Association$609.77B1.3%60.0%0.74%0.23%1.3%80.7%10.4%
TD Bank National Association$342.80B0.8%66.6%1.11%0.48%1.7%59.6%13.3%
Santander Bank N A$103.96B1.0%50.3%1.84%0.53%3.2%70.1%13.3%
Barclays Bank Delaware$43.45B2.4%55.6%1.67%4.73%8.9%83.7%13.9%
TD Bank USA National Association$32.13B0.4%70.3%2.08%5.50%9.9%32.1%11.9%
Wilmington Savings Fund Society$22.57B1.6%56.8%0.57%0.05%1.3%69.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
TD Bank National AssociationCohort median
20212026Change20212026Change
Loans$158.89B$165.36B+4%$37.65B$44.36B+18%
Deposits$362.39B$277.67B-23%$51.14B$59.85B+17%
NPA / loans0.74%1.11%+0.36 pts1.01%1.39%+0.38 pts
Efficiency64.7%66.6%+1.9 pts64.7%58.4%-6.3 pts
ROA0.70%0.83%+0.13 pts1.37%1.14%-0.22 pts

This read was prepared for TD Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on TD Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort DE banks over $10B
Institution www.td.com/us/en/personal-banking/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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