FDIC Cert #33947 · Wilmington, Delaware · Est. 1994

TD Bank USA, 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.
$34.6B
Total assets
A
Health grade · Excellent
1.16%
Return on assets
28.6%
Tier 1 capital

Data updated July 2026

The verdict

TD Bank USA, National Association earns a PlainBankData health grade of A (92/100), with well-capitalized at 28.61% Tier 1, profitable at 1.16% ROA, efficient (58% cost ratio).

#64
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
28.61%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 33947 · DE A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #520/4307
  • PHOTO-FINISH EverTrust Bank · CA
  • TIER1-WELL 28.6% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: EverTrust Bank, CA (±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 USA

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Ann Arbor · MI · near92/100EverTrust Bank · CA · near92/100NorthStar Bank · IA · near92/100TD Bank USA, Nationa… · DE ·…92/100The Bank · LA · near92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TD Bank USA · July 2026

Plate reading for TD Bank USA where failures stay rare

TD Bank USA, National Association (FDIC Cert #33947) carries a PlainBankData health grade of A at 92/100, 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 #520 of 4,307. Tier 1 capital prints at 28.61%, clearing the 10% well-capitalized line. The Texas Ratio is 4.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $34.6B, 64th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is EverTrust Bank (CA), 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 USA

Zero FAILURE resolutions in Delaware since 2000

TD Bank USA, 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 USA, National Association's 92/100 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 avg77/10092/100
TD Bank USA, National Association's composite health score
Tier 1 Capital Ratio (28.61%) 40/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (4.34%) 20/20
Efficiency Ratio (58.07%) 12/15

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

Balance sheet at a glance

Total Assets

$34.6B

Total balance-sheet footings

Total Deposits

$28.7B

Customer-funded liabilities

Net Loans

$8.8B

Outstanding loan book

Net Income

$402M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.21% 28.61% 30.01%
Basel III capital ratios - TD Bank USA, National Association

Where TD Bank USA, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TD Bank USA, National Association's score of 92/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

92 Top 12% higher than 88% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. TD Bank USA 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 USA, 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 USA, National Association's $34.6B falls in the highlighted band.

Safety metrics: TD Bank USA

Tier 1 capital ratio
Well-capitalized 10%

28.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
28.61%
Texas Ratio
4.34%
Equity Capital
$3.9B

What these ratios mean →

Earnings posture at TD Bank USA

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
9.37%
Efficiency Ratio
58.07%

What these mean →

Income & expense at TD Bank USA

$3.4B
Interest Income
$343M
Non-Interest Income
$1.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. TD Bank USA, National Association reports a Texas Ratio of 4.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View TD Bank USA, 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 USA, National Association by assets

Measured strictly by total assets rather than geography, TD Bank USA, National Association's closest national peers include First National Bank of Omaha, Banc of California, BankUnited, Hancock Whitney Bank, spanning 6 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 1.31% (TD Bank USA, National Association is below that at 1.16%), the efficiency ratio averages 53.66% (TD Bank USA, National Association runs higher at 58.07%), and Tier 1 capital averages 13.31% (TD Bank USA, National Association holds more at 28.61%). 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 $34.6B in assets, TD Bank USA, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to TD Bank USA, National Association nationally by total assets
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  3. 3
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  4. 4
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  5. 5
    United Bank $33.5B

    Fairfax, VA · Grade A

  6. 6
    Commerce Bank $32.7B

    Kansas City, MO · 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 USA, National Association (this bank) DE $34.6B 1.16% 58.07% 28.61%
First National Bank of Omaha NE $34.6B 1.51% 49.34% 11.64%
Banc of California CA $34.7B 0.78% 60.49% 13.15%
BankUnited, National Association FL $35.0B 0.89% 56.96% 12.73%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
United Bank VA $33.5B 1.50% 45.99% 13.75%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($34.6B here), outside Delaware so the neighborhood is not state containment.

First National Bank of Omaha $34.6B · NE Banc of California $34.7B · CA BankUnited $35.0B · FL Hancock Whitney Bank $35.5B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TD Bank USA, National Association (FDIC Cert #33947) - 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 USA, 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%
TD Bank, National AssociationWilmington $346.2B A 0.54%
Santander Bank, N.A.Wilmington $104.1B A 1.36%
Barclays Bank DelawareWilmington $47.6B B 0.87%
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%