# DOMINION BANK
DALLAS, TX · FDIC certificate 11934 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $647.4M | |
| Deposits | $569.9M | |
| Loans and leases | $508.1M | |
| Total equity | $71.6M | |
| Loans / deposits | 88.28% (p67 of band) | 82.04% |
| Liquid assets / assets | 20.41% (p33 of band) | |
| Uninsured deposits / deposits | 56.69% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.17% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -0.15% (p94 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 0.95% (p29 of band) | 1.28% |
| Net interest margin | 3.26% (p18 of band) | 3.91% |
| Efficiency ratio | 62.68% (p54 of band) | |
| Noncurrent loans | 0.73% (p64 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 133.14% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 86.63% (p81 of band) | |
| Auto loans | $242,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | auto book souring |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | auto book souring, capital falling |
| 2013-06 | 2 | auto book souring |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 2 | capital falling | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | auto book souring, capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 2 | expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2018-06 | 1 |  | expense ratio p90 |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2019-03 | 1 | expense ratio p90 |  |
| 2019-06 | 4 | losing money, NIM <2.5%, reserve under noncurrent |  |
| 2019-09 | 3 | loans exceed deposits | NIM <2.5%, reserve under noncurrent |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 6 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2020-09 | 5 |  | liquid assets <10% |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | losing money |
| 2021-06 | 5 | uninsured deposits >50%, run vulnerability | expense ratio p90 |
| 2021-09 | 4 |  | wholesale funding >15% |
| 2021-12 | 3 |  | loans exceed deposits |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | construction >100% equity | capital falling |
| 2026-06 | 1 |  | run vulnerability, construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [TD Bank Earnings Lifted by Growth in Canada, Capital Markets Activity - wsj.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxQVWZWNVpNT3hhcEo1UC1kYm9xYmo0Q20zUlN2YU1lS1V0a2xHSFdMdmZoYk1iQlJFbjg4a214V2YxUS1PN2FDZXpuc1NraDRlYzFYeXFIWjRlY3gtTGlQTzNQRjRnN0lWOTFSei1NdjM0ZGxXOEd5cEZPS2Y5LWNGbFRQd21SbVJoZ1AweFlNU0luUUNvNEhTYm9oSzd5RW1ieEhQMV9yQUticG9sRmhweFJFQXdPZ1U?oc=5) · wsj.com
- 2026-09-04 [Is Toronto-Dominion Bank (TSX:TD) Expensive On Leadership Changes And Strong Q3 Results? - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-08-21 [Analysts Offer Insights on Financial Companies: Toronto Dominion Bank (TD) and Banco Macro SA (BMA) - The Globe and Mail](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOdWpZN2thTmpkbV9DVVhVVUxFcXV0Y0swNmdiekRobU8ta29pSGROUkExOGxXemk1QjZNRFNEQ1BrSnZMeXF2c0xUSDlGUl93eGdmZUt5OEF0TG1UZWsza3piUktWSTJvSXY1d2xVcDVkTTlQbkdfQUFwNnEtSU9JMTFyNVhEM01hSmtDWXJSQjhfNE96Nm5PSGlHWk1TRlBwaGhpMXhHOVZTclNTZjlXMjBhbzBfR1Y2R0hzcGEyVGVoVEV4ME1ZYjhZdmFudWFHRjZpQkVQanBYUG9laFRBdWZaT0pjcFplSHZhdlV3RUx3Q2hvc2tXOXk2VnY3V2tIcHJKQVBRS3o?oc=5) · The Globe and Mail
- 2026-07-15 [Tennessee Valley Authority Secures $1 Billion Credit Facility Maturing 2031 With TD-Led Lender Group - TradingView](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOUTFldHJSNGpuZ3MxVkllNUJHdnNlREtyNThPTVpuRERXcUFDS0czZWhJUHFyYnhzVm84N1djRGk3MHp1Y1BtSUUzVzNqVkJYdk5jSmhqTUpoWmlRaWlCd1lWUjlUckRaVTBOV0kwOXFjZUNBUnZrZmdkWlUwakVRa3BSd0h1MUpVR19tbW9Pcy1TVFp6ZGMwY3BlNUx1REhnb1B4SFByVTBGazNLSjBEdVdscmhaLWN5LWNGSy1XUTlqSi1oZ2NJMmhNbEtqbUR3RkVuRC1Zb1JESm9rbHU2c0paSDE4bVFSNjB5em0wMi1EU1k?oc=5) · TradingView
- 2026-05-28 [TD Bank Lifts Dividend After Strong Quarter for Operations - wsj.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPclY4VG9sOFNGcC1HQXFlN1N3RmdKMVdjX0FscDk1blg3QmZJRVd1NW9OQ3lhbGFVc21KeEE5bXdJNDEwTEV5eGNJY3pZTjViaFV6QjJ1VTBYaDNGV0lTcjRzZHdDUFVuUjBLVV94clYxT0xhQWdRSmZ5by1SeTU1OGZkMmRZN2sxcTR3d21IQ0h1akFLWTJJSGZpSkFudGNtY09zZk9n?oc=5) · wsj.com
- 2025-12-04 [TD Bank earnings top estimates driven by US retail and wealth management segments - Proactive financial news](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPRk9mS2JOcjJNb1hhQ1ZzYmFrZVFmUW1aZVJfbklZdzk4eDlod2tDUjlTTGktWGFUZUI3eXB1ZHc3WVJQY3JJNTF5THFsb2NYanhyNXRfYnpLd0x0Vnk2S2dSZHcyeHhEenR2NHJKaGNXbW5TeEdydHltUjhfWlJRRG5NSE9hSVhFS2JYc0hlaGtYY3Zmb2hIdGNSazJjNFFfNER2QlNfWTVUalhBVmd2Y2ltSFE5TERyN2E0bFRRU1RlYXRMNi1NbnY3d1VJRDQxTGNrZ1VqSXhfaHJITWdfY1RoUE5YZkk?oc=5) · Proactive financial news
- 2025-12-30 [TD's stock makes a huge comeback, with the bank continuing to put its U.S. troubles behind it - Financial Post](https://news.google.com/rss/articles/CBMijAFBVV95cUxPM1ZBVVNXa0ktenF1SExObE93U0JFN19RejJuZUFldzhiejNIdE5lVW5wcVFjdng5eERWSzUwLURpb3JFV0JxVGxNT2RCeWZtUEtPUnh2WElqOEs1VVpXc2VTZGhJdTdWVEI4NXZ6ckVsb0ZadFBsUVFOS3BzVTdWbXhkckx5ZE41S3c2dw?oc=5) · Financial Post
- 2025-11-17 [EXCLUSIVE: Pinkberry parent company MTY Food Group hires TD Bank to explore a sale, sources say - Reuters](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNRG05MjAzbF9oQ05IbFFCNjc1VTJjWW5qQW1vTnhfRjllcXRNZDY3RERMX21IbGpCYzJkM1EyNmNlNEpod1NER3dQdlNpeTBSdmQyRWROUjdrMHd4clE2LWlYNG9aeTFLLTRTQnM0RkpuNmNYelFVZjNWSnBweE1mYWFLdmNKMUpkYTgyR2tvd1hxYnMwMHI1WWQ0ZUdQb3lqa193NTg0LXRFWk14cmVpR3NyUFZOaGVQLTRNbExQLWg?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11934 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "11934", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide