TellerScore

TD Bank, National Association is a national bank headquartered in Wilmington, Delaware, in business for about 174 years. At the end of Q2 2026 it reported $342.8B in total assets and $277.7B in deposits, with 1,051 offices across 16 states.

Based on its Q2 2026 filing, TD Bank, National Association scores 63/100, which we describe as moderate. That is higher than 61% of 32 banks with over $100 billion. Among 17 banks headquartered in Delaware, it ranks 12th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is earnings (53/100; 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.11%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 58.6% · 37.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
546065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202456
Q4 202454
Q1 202561
Q2 202563
Q3 202563
Q4 202563
Q1 202665
Q2 202663
Tier 1 leverage ratio
5.00%8.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.93%
Q3 202410.23%
Q4 20249.94%
Q1 202510.50%
Q2 202510.84%
Q3 202511.13%
Q4 202511.33%
Q1 202611.50%
Q2 202610.32%
Noncurrent loans
0.72%0.97%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.78%
Q4 20240.94%
Q1 20251.02%
Q2 20251.05%
Q3 20251.10%
Q4 20251.21%
Q1 20261.17%
Q2 20261.11%
Return on assets
-0.36%0.23%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 2024-0.33%
Q4 2024-0.36%
Q1 20250.42%
Q2 20250.51%
Q3 20250.54%
Q4 20250.54%
Q1 20260.73%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$342.8B10.32%1.11%0.83%58.6%
Q1 202665$345.6B11.50%1.17%0.73%57.7%
Q4 202563$346.2B11.33%1.21%0.54%57.7%
Q3 202563$350.9B11.13%1.10%0.54%57.4%
Q2 202563$356.4B10.84%1.05%0.51%57.6%
Q1 202561$366.5B10.50%1.02%0.42%57.5%
Q4 202454$372.8B9.94%0.94%-0.36%60.4%
Q3 202456$399.9B10.23%0.78%-0.33%61.9%
Q2 202464$370.3B10.93%0.72%0.35%62.9%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.32%
81st
Total risk-based capital17.41%
77th
Problem loans1.11%
26th
Net charge-offs0.47%
32nd
Return on assets0.83%
3rd
Net interest margin3.24%
58th
Efficiency ratio66.6%
13th
Loans to deposits58.6%
65th
Uninsured deposits37.3%
65th
Loan-loss reserves1.67%
71st
Texas ratio3.8%
55th

Similar-size banks in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Santander Bank, N.A.Bank Wilmington, DE64 out of 100, Moderate$104.0B12.5%1.84%vs
PNC Bank, National AssociationBank Wilmington, DE62 out of 100, Moderate$609.8B9.0%0.74%vs

Deposit insurance

Is my money safe at TD Bank, National Association?

Yes. TD Bank, National Association is an FDIC-insured institution (FDIC certificate #18409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.3% of deposits ($103.5B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.41% (benchmark: 10%).

Check how much of your own balance is covered

1,051 locations

Branches

TD Bank, National Association lists 707 offices in 400 cities across 16 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TD Bank, National Association reported 42,722 home-loan applications under HMDA (LEI 03D0JEWFDFUS0SEEKG89): 23,499 originated ($8,929,435,000 total), 13,031 denied, and 5,824 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
FlexPay17.99% – 27.99%$0$293.0%
TD Cash18.99% – 28.99%$0$293.0%
TD Cash Secured26.99%$29$293.0%
TD Clear 1000—$120—0.0%
TD Clear 2000—$240—0.0%
TD Double Up18.99% – 28.99%$0$293.0%
TD First Class17.24%$89$290.0%

All Td Bank, National Association card terms

Identity & history

Profile

Legal name
TD Bank, National Association
Former names
BankNorth, National Association; Penobscot Savings Bank; Heritage Savings Bank; Peoples Heritage Savings Bank; Peoples Heritage Bank, National Bank
Type
National bank
FDIC certificate #
18409
RSSD ID
497404
Primary regulator
OCC
Holding company
Toronto-Dominion Bank the
Established
January 1, 1852
Headquarters
2035 Limestone Rd, Wilmington, DE 19808
Employees
28,582

Quick answers

TD Bank, National Association: common questions

Is TD Bank, National Association FDIC insured?

Yes. TD Bank, National Association is an FDIC-insured institution (FDIC certificate #18409). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TD Bank, National Association's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TD Bank, National Association ever failed?

There is no failure record for FDIC certificate #18409 in the FDIC failed bank list.

How many branches does TD Bank, National Association have?

1,051 offices as of the latest FDIC data, in 16 states.

Nearby

Highest-scoring banks and credit unions with branches near Wilmington

InstitutionScoreAssetsCapitalProblem loansCompare
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Deutsche Bank Trust Company DelawareBank Newark, DE93 out of 100, Very strong$141.4M93.2%0.00%vs
Applied BankBank Wilmington, DE93 out of 100, Very strong$274.1M17.5%0.00%vs
S I Philadelphia Federal Credit UnionCredit union Philadelphia, PA90 out of 100, Very strong$191K40.0%0.00%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs