TD Bank, National Association

Headquarters

2035 Limestone Rd
Wilmington, DE 19808
See all branch locations →

ACH 03110126

Phone 866 222 3456

Notable Rates APY Vs.Others
Savings 4.00% 5.50% →
1-Year CD 3.75% 4.80% →
2-Year CD 1.00% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage 6.67% 4.91% →
15-Year Mortgage 6.65% 4.39% →
HELOC 6.34% 0.99% →

2024 Overview

General Bank Information

TD Bank, National Association is an FDIC insured institution located in Wilmington, DE. It was founded in 1852 and has approximately $370.33 billion in assets. Customers can open an account at one of its 1,368 branches.

FDIC Insured Yes
FDIC Certificate # 18409
Date Established 1852
Assets $ 370.33 billion
Loans $ 182.39 billion
Deposits $ 290.08 billion
Capital $ 47.36 billion
 

For a more detailed analysis of TD Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 17, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates APY MIN MAX
TD Signature Savings Bump Rate
2.50% $50,000 $99,999 Learn More
TD Signature Savings Bump Rate
4.00% $100,000 $250,000 Learn More
TD Signature Savings Bump Rate
4.00% $250,000 $499,999 Learn More
CD Rates APY MIN MAX
6 Month CD TD Choice Standard
1.00% $10,000 - Learn More
6 Mo CD
4.50% $10,001 - Learn More
9 Month CD TD Choice Standard
1.00% $10,000 - Learn More
12 Month CD TD Choice Promotional Relationship APY
3.75% $10,000 - Learn More
18 Month CD TD Choice Standard
1.00% $10,000 - Learn More
24 Month CD TD Choice Standard
1.00% $10,000 - Learn More
36 Month CD TD Choice Standard
1.00% $10,000 - Learn More

Variable IRA Rates APY MIN MAX
TD Simple Savings
0.02% $1 - Learn MoreShow Less
VIRA
4.00% $100,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
0.01% $1 $1 Learn MoreShow Less
Checking Rates APY MIN FEE
TD Beyond Checking 0.01% $0 $25.00 Learn MoreShow Less
TD Convenience 0.00% $100 $15.00 Learn MoreShow Less

Loan Rates - November 17, 2024

Your Current Location: Ohio, OH 43085

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

TD Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives


TD Bank aims to finance sustainable energy projects as detailed here.

Updated April 12, 2024


Climate Score: B

TD Bank is aggressively seeking to finance renewable energy projects as does not appear to have the same exposure to Canadian oil sands as many other major Canadian banks, such as CIBC and BMO.


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Financial Details

TD Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of TD Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
TD Bank, National Association U.S. Bank Average
2.71% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, TD Bank, National Association had $1,338,317,000 in non-current loans and $19,385,000 in owned real estate. To cover these potential losses it had $47,358,318,000 in equity and $2,708,343,000 in loans loss reserves. That gives it a Texas Ratio of 2.71%.

Return on Equity
TD Bank, National Association U.S. Bank Average
2.74% 10.46%

TD Bank, National Association has a Return on Equity of 2.74% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
TD Bank, National Association U.S. Bank Average
12.79% 10.84%

TD Bank, National Association has a Capitalization of 12.79% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

TD Bank, National Association Balance Sheet Analysis

As of June 30, 2024, TD Bank, National Association had assets of $370,332,213,000, loans of $182,386,120,000, and deposits of $290,083,927,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 28.29 billion
Interest-bearing balances $ 24.79 billion
Total securities $ 130.96 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 182.39 billion
Loan loss allowance $ 2.71 billion
Trading account assets $ 212.20 million
Bank premises and fixed assets N.A.
Other real estate owned $ 19.39 million
Goodwill and other intangibles $ 12.80 billion
All other assets $ 9.20 billion
     Total Assets $ 322.97 billion
LIABILITIES
Total deposits $ 290.08 billion
      Interest-bearing deposits $ 235.36 billion
      Deposits held in domestic offices $ 290.08 billion
      % insured (estimated) 65.31%
Federal funds purchased and repurchase agreements $ 16.93 billion
Trading liabilities N.A.
Other borrowed funds $ 74.72 million
Subordinated debt $ 26.30 million
All other liabilities $ 4.38 billion
      Total Liabilities $ 322.97 billion
      Shareholders’ Equity $ 47.36 billion

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 8.47 billion
Total Interest Expense $ 3.92 billion
Net interest income $ 4.55 billion
Provision for loan and lease losses $ 506.19 million
Total non interest income $ 753.23 million
Total non interest expense $ 4.04 billion
Pre-tax Net Operating Income $ 1,683.87 million

Bank Loan Profile?

The top three loan types in TD Bank, National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Delaware, TD Bank, National Association has a significantly higher percent of Consumer Auto Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.69
Multifamily
Mortgages
2.92
Credit Card Loans 2.61
Consumer Auto Loans 13.58
Small Business Loans 0.91
Construction and Development Loans 1.50
Commercial Real Estate 11.28
Commercial and Industrial Loans 16.63
Farm Loans 0.05

Customer Reviews for TD Bank, National Association


  • May 19, 2018

    Experience


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