TD Bank USA National Assn
Wilmington, Delaware · FDIC Cert #33947
TD Bank USA National Assn is an FDIC-insured bank (Certificate #33947) with $33.7B in total assets and $27.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Wilmington, Delaware, the bank maintains a Tier 1 capital ratio of 33.97% (Well-Capitalized) and a nonperforming loan ratio of 2.31%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
TD Bank USA National Assn (FDIC cert 33947) is a large bank with $33.7B in total assets and $27.3B in deposits, headquartered in Wilmington, Delaware. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 33.97% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.31% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 70.8% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.27% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. TD Bank USA National Assn carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: TD Bank USA National Assn
- Total Assets
- $33.7B
- Total Deposits
- $27.3B
- Tier 1 Capital Ratio
- 33.97%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.31%
- Liquidity Ratio
- 70.85%
- Return on Assets
- 1.27%
- Headquarters
- Wilmington, Delaware
- FDIC Certificate
- #33947
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, TD Bank USA National Assn holds a Tier 1 capital ratio of 33.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning TD Bank USA National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
TD Bank USA National Assn shows strong financial health indicators. With $33.7B in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How TD Bank USA National Assn Compares
TD Bank USA National Assn’s Health Score of 83 is 11 points above the Delaware state average of 72 across 24 FDIC-insured banks. Its 33.97% Tier 1 capital ratio is 20.0 points above the US banking industry average near 14%. The 2.31% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.27% is in line with or above the national ROA benchmark of ~1.1%. Among 70 similarly-sized banks, the average Health Score is 79, meaning this bank ranks above its size cohort. Site-wide, TD Bank USA National Assn is 13 points above the portfolio average of 70.
Frequently Asked Questions
TD Bank USA National Assn has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 33.97%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. TD Bank USA National Assn's Tier 1 capital ratio of 33.97% and nonperforming loan ratio of 2.31% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at TD Bank USA National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #33947). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
TD Bank USA National Assn holds $33.7B in total assets and $27.3B in total deposits. It is headquartered in Wilmington, Delaware (FDIC Certificate #33947).
TD Bank USA National Assn has a Tier 1 capital ratio of 33.97%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.31%, and the return on assets is 1.27%.
Yes. TD Bank USA National Assn is FDIC-insured (Certificate #33947). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
TD Bank USA National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.