TD Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
TD Bank, N.A. is an FDIC-insured commercial bank headquartered in Wilmington, DE, established in 1852 (FDIC certificate 18409), and it is supervised by the OCC. At Q2 2026 it reported total assets of $342.80B, down 3.8% from Q2 2025, the 2nd largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 16.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18409
- Headquarters
- Wilmington, DE
- Established
- 1852
- Total assets, Q2 2026
- $342.80B
- Assets vs Q2 2025
- -3.8%
- CET1 ratio, Q2 2026
- 16.16%
- Domestic offices
- 1,051 FDIC institution directory, current count
- Routing number
- 031101266
- Latest call report
- Q2 2026, FFIEC 031 · TD Bank, N.A. call report
- Holding company
- TD BANK US HOLDING COMPANY
- Asset rank in state
- 2nd of 16 in Delaware
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 $250 billion or more 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 1.11% and a Texas ratio of 4.89%. The figures come from its call report filed with the FFIEC.
TD Bank, N.A. ranks as the 2nd largest of the 16 banks based in Delaware, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $342.80B, loans fell 0.3% and deposits fell 1.7%. 1-4 family residential loans made up 26.2% of its total loans on June 30, 2026, its largest category; next came auto loans at 17.9%. On its Q2 2026 call report, TD Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1,051 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, TD Bank, N.A.'s total assets ranged from $342.80B (Q2 2026) to $399.88B (Q3 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$342.80B total assets against $356.45B; $297.10B total liabilities against $307.80B.
$162.61B net loans and leases against $168.83B; $277.67B total deposits against $293.31B.
$130.42B securities against $125.46B; $21.41B cash and balances due against $34.24B.
$3.69B total interest income against $4.07B; $1.14B total interest expense against $1.59B.
$2.54B net interest income against $2.48B.
$420.6M total noninterest income against $482.5M; $1.93B total noninterest expense against $2.05B.
$178.1M provision for credit losses against $156.3M.
$795.1M net income against $554.3M.
0.92% return on assets against 0.61%; 3.22% net interest margin against 2.97%.
16.16% CET1 capital ratio against 17.85%; 10.32% tier 1 leverage ratio against 10.84%.
Inside the full TD Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTD Bank, N.A. rankings
Its closest position to the top of a national ranking is 13 of 4,196, for total assets; its furthest is 2,663 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.65% (Q3 2024) to 0.92% (Q2 2026) and its net interest margin ran from 2.56% (Q4 2024) to 3.24% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.16% | 0.92% | 1.11% | 4.89% | 3.22% |
| Q1 2026 | 18.28% | 0.72% | 1.17% | 4.67% | 3.16% |
| Q4 2025 | 18.11% | 0.53% | 1.21% | 5.01% | 3.24% |
| Q3 2025 | 17.96% | 0.60% | 1.10% | 4.56% | 3.01% |
| Q2 2025 | 17.85% | 0.61% | 1.05% | 4.66% | 2.97% |
| Q1 2025 | 17.49% | 0.42% | 1.02% | 4.56% | 2.79% |
| Q4 2024 | 16.94% | -0.44% | 0.94% | 4.67% | 2.56% |
| Q3 2024 | 16.95% | -1.65% | 0.78% | 3.81% | 2.66% |
Swipe the table sideways to see every column.
Branch Network
View all 1,050 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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, National Association 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 | 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 |
| 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 Foxborough Savings Bank 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 Banknorth Investment Management Group, N.A. 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 | 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 |
| 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
Facts as filed or published, not a rating.
- 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 31 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
- 6,486 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is TD Bank, N.A. headquartered?
It is headquartered in Wilmington, DE, United States.
When was TD Bank, N.A. founded?
It was established in 1852, per the FDIC institution directory.
Is TD Bank, N.A. FDIC-insured?
Yes. It 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.
What is TD Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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