TellerScore

TD Bank USA, National Association is a national bank headquartered in Wilmington, Delaware, in business for about 32 years. At the end of Q2 2026 it reported $32.1B in total assets and $27.2B in deposits, with 1 office.

Based on its Q2 2026 filing, TD Bank USA, National Association scores 59/100, which we describe as moderate. That is higher than only 25% of 132 banks with $10 billion – $100 billion. Among 17 banks headquartered in Delaware, it ranks 16th. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 1% uninsured), and its lowest is loan quality (31/100; 2.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.56%
Loan quality31/100
Noncurrent loans ÷ total loans: 2.08%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 28.9% · 1.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.86%

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

From Q2 2025 to Q2 2026, the score fell 7 points (66 → 59), mostly because the earnings component weakened by 31 points.

TellerScore
556167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202456
Q4 202459
Q1 202567
Q2 202566
Q3 202567
Q4 202563
Q1 202655
Q2 202659
Tier 1 leverage ratio
5.00%8.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.89%
Q3 202412.52%
Q4 202412.47%
Q1 202512.78%
Q2 202512.85%
Q3 202512.93%
Q4 202511.04%
Q1 202611.33%
Q2 202611.56%
Noncurrent loans
2.08%2.25%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.31%
Q3 20242.39%
Q4 20242.29%
Q1 20252.33%
Q2 20252.41%
Q3 20252.33%
Q4 20252.13%
Q1 20262.19%
Q2 20262.08%
Return on assets
0.10%0.69%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.10%
Q4 20240.36%
Q1 20251.28%
Q2 20251.19%
Q3 20251.25%
Q4 20251.16%
Q1 20260.12%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$32.1B11.56%2.08%0.41%28.9%
Q1 202655$32.7B11.33%2.19%0.12%28.5%
Q4 202563$34.6B11.04%2.13%1.16%30.6%
Q3 202567$34.3B12.93%2.33%1.25%28.1%
Q2 202566$34.5B12.85%2.41%1.19%28.5%
Q1 202567$34.7B12.78%2.33%1.28%28.4%
Q4 202459$35.5B12.47%2.29%0.36%31.3%
Q3 202456$34.2B12.52%2.39%0.10%29.8%
Q2 202465$33.7B12.89%2.31%0.95%30.1%

132 peers · $10 billion – $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 ratio11.56%
85th
Total risk-based capital32.53%
96th
Problem loans2.08%
7th
Net charge-offs5.30%
1st
Return on assets0.41%
10th
Net interest margin6.39%
96th
Efficiency ratio70.3%
9th
Loans to deposits28.9%
97th
Uninsured deposits1.3%
98th
Loan-loss reserves9.90%
99th
Texas ratio3.9%
47th

Similar-size banks in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Wilmington Savings Fund Society, FSBBank Wilmington, DE71 out of 100, Strong$22.6B10.4%0.57%vs
Barclays Bank DelawareBank Wilmington, DE70 out of 100, Strong$43.5B10.8%1.67%vs

Deposit insurance

Is my money safe at TD Bank USA, National Association?

Yes. TD Bank USA, National Association is an FDIC-insured institution (FDIC certificate #33947). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 1.3% of deposits ($348.3M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 32.53% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

TD Bank USA, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Target Circle Mastercard28.45% – 28.95%$0$300.0%

All Td Bank Usa, National Association card terms

Identity & history

Profile

Legal name
TD Bank USA, National Association
Former names
Waterhouse National Bank; TD Waterhouse Bank, National Association
Type
National bank
FDIC certificate #
33947
RSSD ID
2121196
Primary regulator
OCC
Holding company
Toronto-Dominion Bank the
Established
October 13, 1994
Headquarters
2035 Limestone Rd, Wilmington, DE 19808
Employees
1,251

Quick answers

TD Bank USA, National Association: common questions

Is TD Bank USA, National Association FDIC insured?

Yes. TD Bank USA, National Association is an FDIC-insured institution (FDIC certificate #33947). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TD Bank USA, National Association's TellerScore?

59 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 USA, National Association ever failed?

There is no failure record for FDIC certificate #33947 in the FDIC failed bank list.

How many branches does TD Bank USA, National Association have?

1 office as of the latest FDIC data.

Nearby

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