TD Bank USA, N.A.
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Data as of · sourced from FFIEC call reports. How we update
TD Bank USA, N.A. is an FDIC-insured commercial bank headquartered in Wilmington, DE, established in 1994 (FDIC certificate 33947), and it is supervised by the OCC. At Q2 2026 it reported total assets of $32.13B, down 6.9% from Q2 2025, the 5th largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 31.20% 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
- 33947
- Headquarters
- Wilmington, DE
- Established
- 1994
- Total assets, Q2 2026
- $32.13B
- Assets vs Q2 2025
- -6.9%
- CET1 ratio, Q2 2026
- 31.20%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 031101347
- Latest call report
- Q2 2026, FFIEC 041 · TD Bank USA, N.A. call report
- Holding company
- TD BANK US HOLDING COMPANY
- Asset rank in state
- 5th of 16 in Delaware
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 $1.34 for the 124 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 1.91% 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%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in Delaware, TD Bank USA, N.A. is the 5th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $32.13B, loans fell 0.3% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by credit card loans, at 97.8% of total loans, followed by construction and land development loans at 0.6%. The FDIC Summary of Deposits lists a single office for it, in Wilmington, DE. Judged on its Q2 2026 call report, TD Bank USA, 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
- —
- Call Report form
- FFIEC 041
- Established
- October 13, 1994
- Former names
- TD Waterhouse Bank, National Association (1999-2006)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
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
TD Bank USA, N.A.'s total assets moved between a low of $32.13B (Q2 2026) and a high of $36.40B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$32.13B total assets against $34.51B; $28.29B total liabilities against $30.15B.
$7.85B net loans and leases against $7.97B; $27.18B total deposits against $27.97B.
$18.41B securities against $20.15B; $4.22B cash and balances due against $4.60B.
$759.8M total interest income against $839.9M; $263.1M total interest expense against $317.7M.
$496.6M net interest income against $522.2M.
$12.2M total noninterest income against $79.0M; $324.6M total noninterest expense against $344.4M.
$113.6M provision for credit losses against $122.5M.
$57.6M net income against $94.3M.
0.71% return on assets against 1.10%; 6.24% net interest margin against 6.23%.
31.20% CET1 capital ratio against 33.91%; 11.56% tier 1 leverage ratio against 12.85%.
Inside the full TD Bank USA, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTD Bank USA, N.A. rankings
Its closest position to the top of a national ranking is 67 of 4,196, for total assets; its furthest is 977 of 980, for uninsured deposits.
Metric pages for TD Bank USA, N.A.: CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.67% (Q3 2024) to 1.39% (Q3 2025) and its net interest margin ran from 6.23% (Q2 2025) to 6.77% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.20% | 0.71% | 2.08% | 3.86% | 6.24% |
| Q1 2026 | 30.49% | 0.12% | 2.19% | 4.14% | 6.39% |
| Q4 2025 | 28.61% | 0.88% | 2.13% | 4.34% | 6.26% |
| Q3 2025 | 34.26% | 1.39% | 2.33% | 3.87% | 6.30% |
| Q2 2025 | 33.91% | 1.10% | 2.41% | 4.06% | 6.23% |
| Q1 2025 | 33.97% | 1.30% | 2.33% | 3.90% | 6.36% |
| Q4 2024 | 31.00% | 1.14% | 2.29% | 4.39% | 6.53% |
| Q3 2024 | 33.35% | -1.67% | 2.39% | 4.31% | 6.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 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
Facts as filed or published, not a rating.
- 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 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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
- 6,486 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
- Mortgage lending (HMDA), 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 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.
Where is TD Bank USA, N.A. headquartered?
It is headquartered in Wilmington, DE, United States.
When was TD Bank USA, N.A. founded?
It was established in 1994, per the FDIC institution directory.
Is TD Bank USA, N.A. FDIC-insured?
Yes. It 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.
What is TD Bank USA, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 3.86% 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 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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