FDIC Cert #18409 · Wilmington, Delaware · Est. 1852

TD Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$346.2B
Total assets
A
Health grade · Excellent
0.54%
Return on assets
18.1%
Tier 1 capital

Data updated July 2026

The verdict

TD Bank, National Association earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.11% Tier 1, 0.54% ROA, 68% efficiency ratio.

#12
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
18.11%
Tier 1 ratio - above the 10% well-capitalized line
17th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 18409 · DE A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1720/4307
  • PHOTO-FINISH Garfield County Bank · MT
  • TIER1-WELL 18.1% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-THIN 0.54% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Garfield County Bank, MT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around TD Bank

Lowest and highest poles plus nearest scored peers outside Delaware, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Albany Bank and Trus… · IL ·…82/100City National Bank · CA · ne…82/100Garfield County Bank · MT · …82/100TD Bank, National As… · DE ·…82/100The Bank of Tioga · ND · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TD Bank · July 2026

Plate reading for TD Bank where failures stay rare

TD Bank, National Association (FDIC Cert #18409) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,720 of 4,307. Tier 1 capital prints at 18.11%, clearing the 10% well-capitalized line. The Texas Ratio is 3.85%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.54%. Balance-sheet scale is $346.2B, 12th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Garfield County Bank (MT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around TD Bank

Zero FAILURE resolutions in Delaware since 2000

TD Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Delaware banks.

How TD Bank, National Association's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
TD Bank, National Association's composite health score
Tier 1 Capital Ratio (18.11%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (3.85%) 20/20
Efficiency Ratio (67.60%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$346.2B

Total balance-sheet footings

Total Deposits

$283.5B

Customer-funded liabilities

Net Loans

$163.7B

Outstanding loan book

Net Income

$1.9B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.71% 18.11% 19.51%
Basel III capital ratios - TD Bank, National Association

Where TD Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TD Bank, National Association's score of 82/100 falls in the highlighted band.

TD Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 40% higher than 60% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. TD Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

TD Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). TD Bank, National Association's $346.2B falls in the highlighted band.

Safety metrics: TD Bank

Tier 1 capital ratio
Well-capitalized 10%

18.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.11%
Texas Ratio
3.85%
Equity Capital
$49.7B

What these ratios mean →

Profitability metrics: TD Bank

Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
3.99%
Efficiency Ratio
67.60%

What these mean →

Income & expense at TD Bank

$16.1B
Interest Income
$2.0B
Non-Interest Income
$8.0B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. TD Bank, National Association reports a Texas Ratio of 3.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View TD Bank, National Association on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

Top 5 banks in Delaware ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to TD Bank, National Association by assets

Measured strictly by total assets rather than geography, TD Bank, National Association's closest national peers include State Street Bank and Trust Company, The Bank of New York Mellon, Morgan Stanley Private Bank, Charles Schwab Bank, SSB, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Delaware. Averaged across this asset-matched cohort, return on assets runs 1.17% (TD Bank, National Association is below that at 0.54%), the efficiency ratio averages 41.34% (TD Bank, National Association runs higher at 67.60%), and Tier 1 capital averages 21.60% (TD Bank, National Association holds less at 18.11%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $346.2B in assets, TD Bank, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to TD Bank, National Association nationally by total assets
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  5. 5
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  6. 6
    BMO Bank $252.1B

    Chicago, IL · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
TD Bank, National Association (this bank) DE $346.2B 0.54% 67.60% 18.11%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
Morgan Stanley Private Bank, National Association NY $254.7B 1.10% 23.14% 26.06%
Charles Schwab Bank, SSB TX $253.8B 0.94% 21.49% 35.93%
Morgan Stanley Bank, National Association UT $253.3B 1.86% 19.99% 20.29%
BMO Bank National Association IL $252.1B 0.95% 53.85% 14.74%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($346.2B here), outside Delaware so the neighborhood is not state containment.

State Street Bank and Trust Company $360.7B · MA The Bank of New York Mellon $381.0B · NY Morgan Stanley Private Bank $254.7B · NY Charles Schwab Bank, SSB $253.8B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TD Bank, National Association (FDIC Cert #18409) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

TD Bank, National Association Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
PNC Bank, National AssociationWilmington $568.3B A 1.30%
Santander Bank, N.A.Wilmington $104.1B A 1.36%
Barclays Bank DelawareWilmington $47.6B B 0.87%
TD Bank USA, National AssociationWilmington $34.6B A 1.16%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Wilmington Trust, National AssociationWilmington $773M A 7.95%
Artisans' BankWilmington $715M C 0.48%