Td Bank National Assn: Bank Stress & Real-Estate Credit Exposure

Bank stress at Td Bank National Assn (FDIC Cert #18409) registers 62/100 on DLRadar's scale — a elevated reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as Suffolk County, NY, Worcester County, MA, Middlesex County, MA, Miami Dade County, FL, each tied back to DLRadar's distress signals. Because Td Bank National Assn is held under Toronto-Dominion Bank The, its financials are open to scrutiny and its trend can be independently checked. The combination of a elevated reading and a broad footprint is what makes Td Bank National Assn worth watching as a supply signal. The Td Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 62/100 reading and 168-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Td Bank National Assn is directly comparable to any lender in the country. What separates this from a plain credit rating is the geographic weighting — Td Bank National Assn's 62/100 reading reflects not just its balance sheet but the 168 counties it lends into, so the score doubles as a map of where its stress will land first. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 4,782 ZIP codes Td Bank National Assn lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is broad and nationally dispersed: 4,782 ZIP codes in 168 counties over 15 states. Its heaviest exposure sits in Florida (30 counties), New York (22 counties), New Jersey (21 counties), South Carolina (19 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Td Bank National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.