TD Bank, National Association
Headquarters
2035 Limestone Rd
Wilmington, DE 19808
See all branch locations →
ACH 03110126
Phone 866 222 3456
2025 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 $372.78 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 | $ 372.78 billion |
| Loans | $ 179.44 billion |
| Deposits | $ 297.22 billion |
| Capital | $ 46.60 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 - May 20, 2025
Your Current Location: Washington, WA 98109
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| TD Signature Savings Bump Rate
|
2.25% | $50,000 | $99,999 |
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| TD Signature Savings Bump Rate
|
3.70% | $100,000 | $250,000 |
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|
| TD Signature Savings Bump Rate
|
3.70% | $250,000 | $499,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month No-Catch CD
|
0.05% | $10,000 | - |
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|
| 6 Mo CD
|
2.75% | $10,001 | - |
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|
| 9 Month CD TD Choice Promotional Relationship APY
|
3.75% | $10,000 | - |
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|
| 9 Month CD TD Choice Standard
|
1.00% | $10,001 | - |
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|
| 12 Month CD TD Choice Promotional Relationship APY
|
3.51% | $10,000 | - |
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|
| 12 Month No-Catch CD
|
0.05% | $10,001 | - |
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|
| 18 Month CD TD Choice Standard
|
1.00% | $10,000 | - |
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|
| 24 Month CD TD Choice Standard
|
1.00% | $10,000 | - |
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|
| 36 MonthTD Step Rate CD
|
0.15% | $10,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| TD Simple Savings
|
0.02% | $1 | - | Learn More |
| VIRA
|
3.70% | $100,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.01% | $1 | $1 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| TD Beyond Checking | 0.01% | $0 | $25.00 | Learn More |
| TD Convenience | 0.00% | $100 | $15.00 | Learn More |
Loan Rates - May 20, 2025
Your Current Location: Washington, WA 98109
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
6.34% | 6.34% | Varies | |
Compare with 7.25 RATE Line of Credit from Figure Home Equity
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
6.82% | 6.79% | $1,150.29 | |
| 15 Year Loan
See Table |
6.91% | 6.89% | $892.69 | |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.60% | 6.38% | $2,765.60 | |
| 15 Year Fixed Conforming See Amortization Table |
6.65% | 6.38% | $2,765.60 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.64% | 6.50% | $2,022.62 | |
| 30 Year Fixed Conforming See Amortization Table |
6.67% | 6.50% | $2,022.62 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.60% | 6.38% | $2,765.60 | |
| 15 Year Fixed Conforming See Amortization Table |
6.65% | 6.38% | $2,765.60 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.64% | 6.50% | $2,022.62 | |
Compare with 6.415% APR and 6.250% 30-Year Fixed RATE from Basis Lending, LLC
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
6.67% | 6.50% | $2,022.62 | |
|
Compare with 6.415% APR and 6.250% 30-Year Fixed RATE from Basis Lending, LLC
See All Mortgage Rates |
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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:
Seattle,Washington
TD Bank, National Association Locations around zip code 98109
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1751.37 | A | View Lobby Hours | |
| 2248.17 | B | View Lobby Hours | |
| 2263.45 | C | View Lobby Hours | |
| 2263.52 | D | View Lobby Hours | |
| 2267.22 | E | View Lobby Hours | |
| 2271.01 | F | View Lobby Hours | |
| 2271.59 | G | View Lobby Hours | |
| 2271.76 | H | View Lobby Hours | |
| 2273.83 | I | View Lobby Hours | |
| 2278.02 | J | View Lobby Hours | |
| 2278.77 | K | View Lobby Hours | |
| 2279.11 | L | View Lobby Hours | |
| 2284.52 | M | View Lobby Hours | |
| 2287.29 | N | View Lobby Hours | |
| 2287.51 | O | View Lobby Hours | |
| 2289.46 | P | View Lobby Hours | |
| 2291.62 | Q | View Lobby Hours | |
| 2291.77 | R | View Lobby Hours | |
| 2293.07 | S | View Lobby Hours | |
| 2293.91 | T | View Lobby Hours | |
| 2293.95 | U | View Lobby Hours | |
| 2294.31 | V | View Lobby Hours | |
| 2294.74 | W | View Lobby Hours | |
| 2295.05 | X | View Lobby Hours | |
| 2296.87 | Y | View Lobby Hours | |
| 2299.14 | Z | View Lobby Hours |
Climate Policy and Initiatives
TD Bank aims to finance sustainable energy projects as detailed here.
Updated April 12, 2024
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 |
|---|---|
| 3.64% | 4.63% |
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 December 31, 2024, TD Bank, National Association had $1,721,249,000 in non-current loans and $75,473,000 in owned real estate. To cover these potential losses it had $46,598,514,000 in equity and $2,735,035,000 in loans loss reserves. That gives it a Texas Ratio of 3.64%.
Return on Equity
| TD Bank, National Association | U.S. Bank Average |
|---|---|
| -2.91% | 10.10% |
TD Bank, National Association has a Return on Equity of -2.91% versus the BestCashCow average of 10.10%. 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 |
|---|---|
| 12.5% | 11.02% |
TD Bank, National Association has a Capitalization of 12.5% versus the BestCashCow average of 11.02. 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 December 31, 2024, TD Bank, National Association had assets of $372,778,425,000, loans of $179,438,835,000, and deposits of $297,222,261,000. 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
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 36.18 billion |
| Interest-bearing balances | $ 32.32 billion |
| Total securities | $ 128.37 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 179.44 billion |
| Loan loss allowance | $ 2.74 billion |
| Trading account assets | $ 251.34 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 75.47 million |
| Goodwill and other intangibles | $ 12.79 billion |
| All other assets | $ 9.20 billion |
| Total Assets | $ 326.18 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 297.22 billion |
| Interest-bearing deposits | $ 243.49 billion |
| Deposits held in domestic offices | $ 297.22 billion |
| % insured (estimated) | 64.40% |
| Federal funds purchased and repurchase agreements | $ 1,964.60 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 74.72 million |
| Subordinated debt | $ 26.30 million |
| All other liabilities | $ 4.38 billion |
| Total Liabilities | $ 326.18 billion |
| Shareholders’ Equity | $ 46.60 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 17.41 billion |
| Total Interest Expense | $ 8.17 billion |
| Net interest income | $ 9.25 billion |
| Provision for loan and lease losses | $ 982.11 million |
| Total non interest income | $ 574.33 million |
| Total non interest expense | $ 9.83 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 | 22.05 | ✓ | ||
| Multifamily Mortgages |
2.96 | ✓ | ||
| Credit Card Loans | 2.65 | ✓ | ||
| Consumer Auto Loans | 13.81 | ✓ | ||
| Small Business Loans | 0.92 | ✓ | ||
| Construction and Development Loans | 1.52 | ✓ | ||
| Commercial Real Estate | 11.47 | ✓ | ||
| Commercial and Industrial Loans | 16.90 | ✓ | ||
| Farm Loans | 0.06 | ✓ | ||
Customer Reviews for TD Bank, National Association
Turonemckinney17@gmail.com
May 19, 2018
Experience
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