TD Bank USA
TD Bank USA reported total assets of $32.1 bn at Q2 2026, down 6.9% on a year earlier, the 68th largest of 497 banks in our US coverage. The CET1 capital ratio at TD Bank USA was 31.20%, and the uninsured share of TD Bank USA was 1.28%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, TD Bank USA slipped from 230th to 435th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- TD Bank USA reports one of the lowest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 1.28% at , where the median of the 126 banks is 38.56% (FDIC Call Reports).
- At 5.30%, the net charge-offs to average loans of TD Bank USA sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.14% (FDIC Call Reports).
What sets TD Bank USA apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower loan-to-deposit ratio than TD Bank USA, at 28.88% in ; the group median is 85.69%.
- TD Bank USA has one of the highest common equity tier 1 (CET1) ratio readings among banks of $10 bn to $100 bn: 31.20% at , against a median of 12.97% across 126 banks.
- The return on equity (ROE) of TD Bank USA, 3.55% at , places TD Bank USA in the bottom tenth of banks of $10 bn to $100 bn (group median 10.71%).
How large is TD Bank USA?
The balance sheet of TD Bank USA at : assets $32.1 bn, deposits $27.2 bn, net loans $7.9 bn (loans equal to 28.88% of deposits). Securities make up 57.3% of total assets at TD Bank USA. Since , when TD Bank USA held $19.7 bn, its assets grew 63.3%. In the year to , deposits at TD Bank USA fell 2.8% while its total assets fell 6.9%. At , TD Bank USA employed 1,251 full-time equivalent staff across 1 office, about $25.7 mn of assets per employee and $27.2 bn of deposits per office.
How much funding at TD Bank USA is uninsured?
At TD Bank USA, uninsured deposits (above the FDIC limit) made up 1.28% of domestic deposits at (+0.13 pp on a year earlier); TD Bank USA ranks 496th of 500 on this measure. In dollars, TD Bank USA estimated $348.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $27.2 bn | -2.8% | 67th of 499 |
| Net loans and leases | $7.9 bn | -1.5% | 146th of 500 |
| Loan-to-deposit ratio | 28.88% | +0.40 pp | 488th of 500 |
| Tier 1 leverage ratio | 11.56% | -1.28 pp | 119th of 500 |
| Total risk-based capital ratio | 32.53% | -2.71 pp | 12th of 448 |
| Net interest margin | 6.39% | 0.00 pp | 17th of 500 |
| Return on assets (ROA) | 0.41% | -0.78 pp | 476th of 500 |
| Efficiency ratio | 70.31% | +13.36 pp | 435th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Gain of $90.1 mn | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 2.08% | -0.33 pp | 462nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 5.30% | -0.44 pp | 495th of 500 (1 = lowest) |
US rank of TD Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
TD Bank USA: assets, deposits and loans
- Total assets $32.1bn
- Deposits $27.2bn
- Net loans $7.9bn
Capital and securities
The CET1 ratio of TD Bank USA stood at 31.20% in , -2.71 pp year on year. Low and high at TD Bank USA since : 17.19% () to 34.26% (). Equity capital of TD Bank USA at : $3.8 bn, or 11.9% of total assets. TD Bank USA also reported a total capital ratio of 32.53% for , and a tier 1 leverage ratio of 11.56%.
The available-for-sale portfolio of TD Bank USA showed an unrealized gain of $90.1 mn at ; the gain turned from a loss into a gain over the year.
TD Bank USA: capital ratios
- Total capital 33%
- CET1 31%
- Tier 1 leverage 12%
TD Bank USA: unrealized securities gains and losses
- Available for sale $90mn
- Held to maturity $0
Profitability and loan quality
For the year to , TD Bank USA earned a return on equity of 3.55%; return on assets: 0.41%. Net interest margin at TD Bank USA: 6.39%, 0.00 pp in a year. TD Bank USA net income: $67.8 mn, down 67.2% year on year. The efficiency ratio of TD Bank USA was 70.31%: about 70 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 2.08% of total loans at TD Bank USA; net charge-offs: 5.30% of average loans. Gross loans and leases at TD Bank USA: $8.7 bn, down 1.9% in a year.
TD Bank USA: profitability
- Return on equity 3.5%
- Net interest margin 6.4%
- Return on assets 0.4%
Peer group of TD Bank USA
The peer group of TD Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of TD Bank USA (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Delaware. Against them, TD Bank USA shows CET1 ratio 31.20% against a peer median of 13.01%, return on equity 3.55% against a peer median of 9.13% and uninsured deposit share 1.28% against a peer median of 39.38%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| United Bank | State member bank | VA | $33.6 bn | 13.69% | 9.36% | 38.29% | |
| Texas Capital Bank | State member bank | TX | $33.6 bn | 12.35% | 9.55% | 37.66% | |
| Fulton Bank | National bank | PA | $32.6 bn | 13.03% | 11.84% | 40.46% | |
| TD Bank USA | National bank | DE | $32.1 bn | 31.20% | 3.55% | 1.28% | |
| Glacier Bank | State nonmember bank | MT | $31.6 bn | 12.99% | 8.91% | 33.97% | |
| Eastern Bank | State nonmember bank | MA | $31.1 bn | 12.07% | 8.52% | 41.56% | |
| BNY Mellon | National bank | PA | $30.6 bn | 15.97% | 7.66% | 53.68% | |
. FDIC Call Reports.
Last eight quarters
Two years at TD Bank USA, to : assets -6.1%, deposits -1.6%, equity -7.4%. Staff 117 to 1,251.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $34.2 bn | $35.5 bn | $34.7 bn | $34.5 bn | $34.3 bn | $34.6 bn | $32.7 bn | $32.1 bn |
| Total deposits | $27.6 bn | $29.1 bn | $28.3 bn | $28.0 bn | $28.5 bn | $28.7 bn | $27.7 bn | $27.2 bn |
| Bank equity capital | $4.1 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn | $3.9 bn | $3.8 bn | $3.8 bn |
| CET1 ratio | 33.35% | 31.00% | 33.97% | 33.91% | 34.26% | 28.61% | 30.49% | 31.20% |
| Return on equity (ROE) | 0.82% | 2.96% | 10.30% | 9.47% | 9.91% | 9.37% | 1.07% | 3.55% |
| Uninsured share of domestic deposits | 1.14% | 1.13% | 1.20% | 1.15% | 1.18% | 1.16% | 1.24% | 1.28% |
| Full-time equivalent employees | 117 | 114 | 114 | 103 | 102 | 118 | 119 | 1,251 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at TD Bank USA
- Total assets at TD Bank USA changed by +51.9% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of TD Bank USA?
TD Bank USA reported $32.1 bn at in its Call Report. That makes TD Bank USA the 68th largest of 497 banks in our US coverage.
Is TD Bank USA the same as its holding company?
No. This page covers TD Bank USA, FDIC certificate 33947; TORONTO-DOMINION BANK THE (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is TD Bank USA profitable?
TD Bank USA reported net income of $67.8 mn for the year to ; annualized return on equity: 3.55%. So yes: TD Bank USA made a profit over these months.
When is data for TD Bank USA next updated?
Figures from TD Bank USA for are due after .
Where can I check the figures for TD Bank USA?
In the FDIC BankFind Suite record for certificate 33947, and in the Call Reports of TD Bank USA (RSSD ID 2121196) at the FFIEC Central Data Repository.