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Td Bank Usa National Association

IDRSSD: 2121196
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #2121196 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.24% of loans.
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.34%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 4.8%, loans/deposits 30.6%, cash 14.2% of assets.

Cash / Assets
14.21%
Loans / Deposits
30.61%
Brokered %
4.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.82%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.61%, CET1 28.61%, leverage 11.04%.

Tier 1 RBC
28.61%
CET1
28.61%
Leverage
11.04%
No watch items at this period.

Asset Quality

RiskQoQ +4
40
Sub-score

Asset quality is weak: Adjusted NPL 2.35%, Texas Ratio 4.4%, NCO YTD 5.24%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
5.24%
30-89 PD
2.21%
Band 0.3% / 3.0%
90+ PD
2.34%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.34%.
  • riskNet charge-offs elevated — NCO YTD 5.24% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 9.28% of loans, coverage 435.7%, true coverage 322.0%.

ALLL / Loans
9.28%
Coverage
435.7%
True Loss Coverage
322.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 11:38:53 UTC