TD Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
TD Bank, N.A. is the 13th-largest bank in the United States, with $342.8 billion in assets at June 30, 2026, down 3.8% from a year earlier. It is headquartered in Wilmington, Delaware, and operates 1,051 domestic branches. It earns about $0.92 a year on every $100 of assets, lower than about 9 in 10 of the 18 US banks with more than $250 billion in assets (median $1.23). It also spends about 65 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 54 cents).
Earnings jumped: net income for the quarter was $795 million, 43% above the same quarter a year earlier. The commercial and industrial book ($23.4 billion) is worsening: 2.00% of it is past due or on nonaccrual, up from 1.49% a year earlier. Credit is the area to watch: it carries problem assets equal to 4.9% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 3.8%).
As of June 30, 2026, TD Bank, N.A. reported a CET1 capital ratio of 16.16%, a return on assets of 0.92%, a nonperforming-loan ratio of 1.02% and a Texas ratio of 4.89%, 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
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1852
- Former names
- TD BankNorth, National Association (2005-2008); BankNorth, National Association (2002-2005); Peoples Heritage Bank, National Bank (2000-2002); Peoples Heritage Savings Bank (1985-2000); Heritage Savings Bank (1982-1985); Penobscot Savings Bank (1977-1982)
- Offices
- 1,051 domestic
- Employees (FTE)
- 28,582
- Domestic deposits
- $277.67B
- Allowance for credit losses
- $2.75B
- Net charge-offs (YTD)
- $393.5M
- Average total assets
- $344.09B
- Average total loans
- $161.23B
- Average interest-bearing deposits
- $267.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1961
- FDIC Cert
- 18409
- Fed RSSD
- 497404
- 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, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock TD Bank, N.A., freeTD Bank, 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.
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 | 16.16% | 0.92% | 1.02% | 4.89% | 3.22% |
| Q1 2026 | 18.28% | 0.72% | 1.06% | 4.67% | 3.16% |
| Q4 2025 | 18.11% | 0.53% | 1.11% | 5.01% | 3.24% |
| Q3 2025 | 17.96% | 0.60% | 1.01% | 4.56% | 3.01% |
| Q2 2025 | 17.85% | 0.61% | 0.96% | 4.66% | 2.97% |
| Q1 2025 | 17.49% | 0.42% | 0.92% | 4.56% | 2.79% |
| Q4 2024 | 16.94% | -0.44% | 0.87% | 4.67% | 2.56% |
| Q3 2024 | 16.95% | -1.65% | 0.69% | 3.81% | 2.66% |
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 all 1,050 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| TD Bank, N.A. (main office) | Wilmington , DE | 19808 | $57.63B |
| Horsham Branch | Horsham , PA | 19044 | $3.52B |
| 68th and Broadway Branch | New York , NY | 10023 | $2.23B |
| John & Broadway Branch | New York , NY | 10038 | $1.39B |
| Faneuil Hall Store Branch | Boston , MA | 02108 | $1.13B |
| Kings Highway Branch | Cherry Hill , NJ | 08034 | $1.12B |
| Burlington, Vt Branch | Burlington , VT | 05401 | $1.10B |
| Greenville Main Branch | Greenville , SC | 29601 | $1.09B |
| Concord- North Main St. Branch | Concord , NH | 03301 | $1.03B |
| One Vanderbilt Branch | New York , NY | 10017 | $1.03B |
| Shady GroveGaithersburg Branch | Gaithersburg , MD | 20877 | $881.3M |
| Marlton Branch | Marlton , NJ | 08053 | $827.3M |
| Flemington Branch | Flemington , NJ | 08822 | $801.9M |
| Ocean Atrium Branch | Toms River , NJ | 08753 | $779.5M |
| 2 Wall Street Branch | New York , NY | 10005 | $760.5M |
| Evesboro Branch | Marlton , NJ | 08053 | $747.6M |
| 31st & Park Branch | New York , NY | 10016 | $720.2M |
| Rittenhouse Square Branch | Philadelphia , PA | 19103 | $694.9M |
| Brooklyn Heights Branch | Brooklyn , NY | 11201 | $690.1M |
| Center City Branch | Philadelphia , PA | 19103 | $632.1M |
| Franklin Street, Nh Branch | Manchester , NH | 03101 | $620.7M |
| Interstate Branch | Ramsey , NJ | 07446 | $603.7M |
| Winter Street Branch | Boston , MA | 02108 | $586.0M |
| Coral GablesPonce De Leon Branch | Coral Gables , FL | 33134 | $583.2M |
| New Hyde Park Branch | New Hyde Park , NY | 11040 | $579.3M |
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 |
|---|---|---|---|
| December 31, 2021 | Structure Change | Acquired TD Auto Finance LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2017 | Structure Change | Acquired Scottrade Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2010 | Structure Change | Acquired Carolina First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 2010 | Structure Change | Acquired Riverside National Bank of Florida Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 16, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 1, 2008 | Structure Change | Acquired Commerce Bank/North Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired Interchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2006 | Structure Change | Acquired Hudson United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 22, 2005 | Structure Change | Acquired Boston Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2004 | Structure Change | Acquired Cape Cod Bank and Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2004 | Structure Change | Acquired First & Ocean National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2003 | Structure Change | Acquired American Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 14, 2003 | Structure Change | Acquired American Financial Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2003 | Structure Change | Acquired Warren Five Cents Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2002 | Structure Change | Acquired Southington Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 2002 | Structure Change | Acquired Ipswich Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 26, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2002 | Structure Change | Acquired Bank of New Hampshire, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Structure Change | Acquired Atlantic Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1994 | Structure Change | Acquired Mid Maine Savings Bank F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1993 | Structure Change | Acquired Oxford Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 1990 | Structure Change | Acquired Home Owners Savings Bank FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for TD Bank, 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
- 3 against the institution (OCC); 22 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, National Association
- October 9, 2024, OCC: Civil Money Penalty (CMP): TD Bank, National Association
- September 20, 2013, OCC: Civil Money Penalty (CMP): TD Bank, National Association
- Period: Most recent institution action October 9, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 10.7% of deposits in DE, rank 2 of 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52,631 applications, 23,499 loans originated, $8.93B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2,727 loans, $403.3M approved, $148K average. 0.26% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 6,449 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, N.A.
What are TD Bank, N.A.'s total assets?
As of the Q2 2026 filing, TD Bank, N.A. reported total assets of $342.80 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is TD Bank, N.A. headquartered?
TD Bank, 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, N.A. founded?
TD Bank, N.A. was established in 1852, per the FDIC institution directory.
Is TD Bank, N.A. FDIC-insured?
Yes. TD Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #18409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TD Bank, N.A.?
TD Bank, 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, N.A.'s CET1 capital ratio?
TD Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 16.16% 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, N.A. operate?
TD Bank, N.A. operates 1,051 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TD Bank, N.A.'s Texas Ratio?
TD Bank, N.A.'s Texas Ratio is 4.89% 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, N.A. previously called?
The charter now named TD Bank, N.A. has also operated as TD BankNorth, National Association (2005-2008), BankNorth, National Association (2002-2005), Peoples Heritage Bank, National Bank (2000-2002), Peoples Heritage Savings Bank (1985-2000), Heritage Savings Bank (1982-1985), Penobscot Savings Bank (1977-1982), per FDIC structure-change records.
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