Bank Comparison
Wilmington Savings Fund Society, FSB vs TD Bank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| CET1 Ratio | 14.01% | 30.49% |
| Tier 1 Capital Ratio | 14.01% | 30.49% |
| Total Capital Ratio | 15.21% | 31.81% |
| Tier 1 Leverage Ratio | 10.58% | 11.33% |
| Equity / Assets | 12.08% | 11.51% |
Profitability
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 0.12% |
| Return on Equity (ROE) | 13.64% | 1.07% |
| Net Interest Margin (NIM) | 3.86% | 6.39% |
| Yield on Earning Assets | 5.09% | 9.68% |
| Cost of Funds | 1.31% | 3.58% |
Asset quality
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| Texas Ratio | 9.55% | 5.56% |
| Non-Performing Loan Ratio | 1.21% | 0.76% |
| Non-Performing Asset Ratio | 0.79% | 0.20% |
| Net Charge-Off Ratio | -0.11% | 5.47% |
| ACL / Loans | 1.35% | 9.91% |
Balance sheet
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| Total Assets | $22,016M | $32,718M |
| Total Deposits | $18,771M | $27,662M |
| Total Loans | $13,333M | $8,742M |
| Total Equity | $2,660M | $3,765M |
| Net Income (quarter) | $91,012K | $10,208K |
Liquidity & funding
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 71.03% | 31.60% |
| Core Deposit Ratio | 97.90% | 100.00% |
| Uninsured Deposit Ratio | 44.23% | 1.24% |
Identity
| Metric | Wilmington Savings Fund Society, FSB | TD Bank USA, N.A. |
|---|---|---|
| Headquarters City | WILMINGTON | WILMINGTON |
| Headquarters State | DE | DE |
| Asset Tier | Regional | Regional |
| Charter Class | 707938 | 22611 |
| Regulator | OCC | OCC |
| Domestic Branches | 95 | 1 |
| Employees (FTE) | 2,303 | 119 |
| Established | Feb. 18, 1832, midnight | Oct. 13, 1994, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Wilmington Savings Fund Society, FSB profile | View full TD Bank USA, N.A. profile | Browse all bank comparisons