TD Bank USA, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
TD Bank USA, N.A. spends more to run itself than most banks of its size. Based in Wilmington, Delaware, it had $32.1 billion in assets at June 30, 2026, down 6.9% from a year earlier. It earns about $0.71 a year on every $100 of assets, about half the median of $1.32 for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it keeps 6.24 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.63 cents).
Earnings fell sharply: quarterly net income of $58 million was 39% below a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.08% of loans, down from 2.41% a year earlier. Funding is the softer spot: it pays an average of 3.68% on its deposits and borrowings, about double the median of 1.92% for banks its size.
As of June 30, 2026, TD Bank USA, N.A. reported a CET1 capital ratio of 31.20%, a return on assets of 0.71%, a nonperforming-loan ratio of 2.08% and a Texas ratio of 3.86%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2035 Limestone Rd, Wilmington, DE 19808
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 13, 1994
- Former names
- TD Waterhouse Bank, National Association (1999-2006)
- Offices
- 1 domestic
- Employees (FTE)
- 1,251
- Domestic deposits
- $27.18B
- Allowance for credit losses
- $862.1M
- Net charge-offs (YTD)
- $239.7M
- Average total assets
- $32.55B
- Average total loans
- $8.68B
- Average interest-bearing deposits
- $27.51B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 13, 1994
- FDIC Cert
- 33947
- Fed RSSD
- 2121196
- SEC CIK
- 947263 → filed by TORONTO-DOMINION BANK, THE
- Parent Holding Company
- TD BANK US HOLDING COMPANY (RSSD 1249196)
- Ultimate Parent
- TORONTO-DOMINION BANK, THE (RSSD 1238565)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full TD Bank USA, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock TD Bank USA, N.A., freeTD Bank USA, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for TD Bank USA, N.A.: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.20% | 0.71% | 0.64% | 3.86% | 6.24% |
| Q1 2026 | 30.49% | 0.12% | 0.76% | 4.14% | 6.39% |
| Q4 2025 | 28.61% | 0.88% | 0.76% | 4.34% | 6.26% |
| Q3 2025 | 34.26% | 1.39% | 0.97% | 3.87% | 6.30% |
| Q2 2025 | 33.91% | 1.10% | 1.03% | 4.06% | 6.23% |
| Q1 2025 | 33.97% | 1.30% | 1.10% | 3.90% | 6.36% |
| Q4 2024 | 31.00% | 1.14% | 0.98% | 4.39% | 6.53% |
| Q3 2024 | 33.35% | -1.67% | 1.01% | 4.31% | 6.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| TD Bank USA, N.A. (main office) | Wilmington , DE | 19808 | $27.18B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 18, 2008 | Structure Change | Acquired Fiserv Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for TD Bank USA, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- October 9, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): TD Bank USA, National Association
- October 9, 2024, OCC: Civil Money Penalty (CMP): TD Bank USA, National Association
- Period: Most recent institution action October 9, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.9% of deposits in DE, rank 4 of 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 6,466 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about TD Bank USA, N.A.
What are TD Bank USA, N.A.'s total assets?
As of the Q2 2026 filing, TD Bank USA, N.A. reported total assets of $32.13 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is TD Bank USA, N.A. headquartered?
TD Bank USA, N.A. is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was TD Bank USA, N.A. founded?
TD Bank USA, N.A. was established in 1994, per the FDIC institution directory.
Is TD Bank USA, N.A. FDIC-insured?
Yes. TD Bank USA, N.A. is an FDIC-insured commercial bank (FDIC Certificate #33947). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TD Bank USA, N.A.?
TD Bank USA, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is TD Bank USA, N.A.'s CET1 capital ratio?
TD Bank USA, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 31.20% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does TD Bank USA, N.A. operate?
TD Bank USA, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TD Bank USA, N.A.'s Texas Ratio?
TD Bank USA, N.A.'s Texas Ratio is 3.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was TD Bank USA, N.A. previously called?
The charter now named TD Bank USA, N.A. has also operated as TD Waterhouse Bank, National Association (1999-2006), per FDIC structure-change records.
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