TD Bank, National Association

2035 Limestone Road
Wilmington, DE 19808

Phone: 866 222 3456

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 0.30% 2.25% →
2-Year CD 0.45% 2.50% →
5-Year CD 0.60% 2.80% →
30-Year Mortgage 3.94% 3.31% →
15-Year Mortgage 3.83% 2.77% →
HELOC N.A. 4.00% →

2019 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 $305.42 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 $305.42 billion
Loans $148.66 billion
Deposits $258.57 billion
Capital $40.54 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 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,000 $4,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
0.15% $10,000 $49,999 Learn MoreShow Less
6 Mo CD
0.20% $10,000 $49,999 Learn MoreShow Less
0.30% $10,000 $49,999 Learn MoreShow Less
0.35% $10,000 $49,999 Learn MoreShow Less
0.45% $10,000 $49,999 Learn MoreShow Less
0.50% $10,000 $49,999 Learn MoreShow Less
0.60% $10,000 $49,999 Learn MoreShow Less

0.25% $250 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $1 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
TD Simple 0.00% $0 $5.99 Learn MoreShow Less
TD Convenience 0.00% $100 $15.00 Learn MoreShow Less

Loan Rates - November 20, 2019

Your Current Location: Virginia, VA 20146

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


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.

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TD Bank, National Association Locations

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 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
3.77% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, TD Bank, National Association had $1,542,794,000 in non-current loans and $41,436,000 in owned real estate. To cover these potential losses it had $40,536,130,000 in equity and $1,442,738,000 in loans loss reserves. That gives it a Texas Ratio of 3.77%.

Return on Equity
TD Bank, National Association U.S. Bank Average
6.92% 9.50%

TD Bank, National Association has a Return on Equity of 6.92% versus the BestCashCow average of 9.50%. 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.

TD Bank, National Association U.S. Bank Average
13.27% 12.76%

TD Bank, National Association has a Capitalization of 13.27% versus the BestCashCow average of 12.76. 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, 2019, TD Bank, National Association had assets of $305,418,987,000, loans of $148,658,943,000, and deposits of $258,573,086,000. 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, 2019
Cash & Balances due from depository institutions $12.22 billion
Interest-bearing balances $10.07 billion
Total securities $118.37 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $148.66 billion
Loan loss allowance $1.44 billion
Trading account assets $0.02 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.04 billion
Goodwill and other intangibles $12.91 billion
All other assets $10.68 billion
     Total Assets $264.88 billion
Total deposits $258.57 billion
      Interest-bearing deposits $217.08 billion
      Deposits held in domestic offices $258.57 billion
      % insured (estimated) 72.37%
Federal funds purchased and repurchase agreements $0.72 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.13 billion
Subordinated debt $0.03 billion
All other liabilities $5.43 billion
      Total Liabilities $264.88 billion
      Shareholders’ Equity $40.54 billion

Summary Income Statement

June 30, 2019
Total Interest Income $4.88 billion
Total Interest Expense $1.41 billion
Net interest income $3.47 billion
Provision for loan and lease losses $0.35 billion
Total non interest income $0.83 billion
Total non interest expense $2.38 billion
Pre-tax Net Operating Income $1.57 billion

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, Commercial and Industrial 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.90
Credit Card Loans 2.84
Consumer Auto Loans 15.75
Small Business Loans 1.75
Construction and Development Loans 1.54
Commercial Real Estate 14.30
Commercial and Industrial Loans 22.64
Farm Loans 0.09

Frequently Asked Questions About TD Bank

Branches and Savings

Is TD Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18409.

Why does TD Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are TD Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is TD Bank a commercial bank?

Where are TD Bank locations?

See branch locations nearby.

Is TD Bank open on Saturdays?

Is TD Bank open on Sundays?

What time does TD Bank open?

What time does TD Bank close?

Are TD Bank ATMs Open 24/7?

Do TD Bank ATMs accept cash deposits?

Can TD Bank customers use other ATMs?

Do TD Bank branches have notaries?

Will TD Bank notarize my document?

What address for TD Bank should I put for incoming ACH transfers?

Will the TD Bank branch print checks?

Do TD Bank checks expire?

Does TD Bank require US citizenship to open account?

Can TD Bank close my account?

Does TD Bank Report to credit bureaus?

Does TD Bank Use Equifax?

What is TD Bank's ACH Routing Number?

What is TD Bank's SWIFT code?


Does TD Bank offer mortgages?

Compare mortgage rates here.

Does TD Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does TD Bank offer personal loans?

Compare personal loan rates here.

Does TD Bank offer student loans?

Will TD Bank cash a check?

Will TD Bank redeem a savings bond?

Does TD Bank cash savings bonds?

Will TD Bank cash money orders?

Can TD Bank issue a money order?

Does TD Bank do currency exchange?

Background on The Bank

Who owns TD Bank?

How long has TD Bank been around?

Can TD Bank transfer to other banks?

Does TD Bank have quick pay?

Does TD Bank accept rolled coins?

Will TD Bank accept loose change?

Where is TD Bank headquarters?

Customer Reviews for TD Bank, National Association

  • May 19, 2018


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