TD Bank, National Association
Wilmington, Delaware, New Castle County
$343B in total assets, the 13th largest of 4,309 US banks and 2nd of 25 headquartered in Delaware.
- FDIC certificate
- 18409
- Established
- 1852
- Owned by
- Toronto-dominion Bank The
- Primary regulator
- OCC
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $343B | 61% | $251B | |
| Loans | $165B | 58% | $144B | |
| Deposits | $278B | 61% | $212B | |
| Return on assets | 0.69% | 6% | 1.22% | |
| Net interest margin | 3.24% | 58% | 3.14% | |
| Efficiency ratio | 66.6% | 87% | 54.8% | |
| Equity to assets | 13.33% | 94% | 9.69% | |
| Loans to deposits | 60% | 36% | 74% |
Growth
Total assets grew -3.8% a year over the last 5 years and 3.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2017 | Scottrade Bank Saint Louis, MO | $17.0B |
| Sep 2010 | Carolina First Bank Greenville, SC | $11.6B |
| Apr 2010 | Riverside National Bank of Florida Fort Pierce, FL | $3.4B |
| Apr 2010 | First Federal Bank of North Florida Palatka, FL | $440M |
| Apr 2010 | AmericanFirst Bank Clermont, FL | $104M |
| May 2008 | Commerce Bank, National Association Philadelphia, PA, an affiliate under the same holding company | $51.4B |
| May 2008 | Commerce Bank/North Ramsey, NJ, an affiliate under the same holding company | $5.6B |
| Jan 2007 | Interchange Bank Saddle Brook, NJ | $1.6B |
| Jan 2006 | Hudson United Bank Mahwah, NJ | $8.8B |
| Jan 2005 | Boston Federal Savings Bank Burlington, MA | $1.5B |
| Apr 2004 | Cape Cod Bank and Trust, National Association Hyannis, MA | $1.3B |
| Apr 2004 | Foxborough Savings Bank Foxboro, MA | $250M |
| Dec 2003 | First & Ocean National Bank Seabrook, NH | $272M |
| Feb 2003 | American Savings Bank New Britain, CT | $2.8B |
| Dec 2002 | Warren Five Cents Savings Bank Peabody, MA | $481M |
| Aug 2002 | Southington Savings Bank Southington, CT | $671M |
| Jul 2002 | Ipswich Savings Bank Ipswich, MA | $323M |
| Jan 2002 | Bank of New Hampshire, National Association Farmington, NH | $5.0B |
| Jan 2002 | The Howard Bank, National Association Burlington, VT | $1.1B |
| Jan 2002 | First Vermont Bank , National Association Brattleboro, VT | $715M |
| Jan 2002 | Franklin Lamoille Bank, National Association Saint Albans, VT | $334M |
| Jan 2002 | Andover Bank Andover, MA | $1.8B |
| Jan 2002 | Gloucester Bank & Trust Company Gloucester, MA | $165M |
| Jan 2002 | First Massachusetts Bank, National Association Worcester, MA | $6.6B |
| Jan 2002 | Evergreen Bank, National Association Glens Falls, NY | $1.3B |
| Jan 2002 | (unknown, CERT 34128) , ME | $36M |
| Oct 1997 | Atlantic Bank National Association Portland, ME | $466M |
| Jul 1994 | Mid Maine Savings Bank F.S.B. Auburn, ME | $174M |
| Mar 1993 | Oxford Bank and Trust Oxford, ME | $65M |
| Sep 1990 | Home Owners Savings Bank F.S.B. Boston, MA | $2.8B |
| Feb 1985 | People's Savings Bank Portland, ME | $546M |
| Jul 1982 | Waterville Savings Bank Waterville, ME | n/a |
| Jul 1982 | Heritage Savings Bank Rockland, ME | n/a |
Where they operate
1050 branches in 170 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| New Castle County, DE | $59.0B | 12.5% | 2 of 27 |
| New York County, NY | $14.5B | 0.8% | 11 of 83 |
| Bergen County, NJ | $9.3B | 13.4% | 1 of 45 |
| Nassau County, NY | $8.3B | 8.4% | 4 of 33 |
| Montgomery County, PA | $7.8B | 20.3% | 1 of 29 |
| Queens County, NY | $7.4B | 9.1% | 3 of 52 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 270 branches since 2016 (1,320 to 1,050, −20.5%). 114 opened, 0 acquired, 384 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1,320 | |||
| 2016 | Opened 20 in 7 statesClosed 53 in 12 states | 20 | 53 | −33 | 1,287 |
| 2017 | Opened 19 in 5 statesClosed 50 in 11 states | 19 | 50 | −31 | 1,256 |
| 2018 | Opened 15 in 4 statesClosed 24 in 10 states | 15 | 24 | −9 | 1,247 |
| 2019 | Opened 7 in 3 statesClosed 19 in 10 states | 7 | 19 | −12 | 1,235 |
| 2020 | Opened 4 in 3 statesClosed 10 in 9 states | 4 | 10 | −6 | 1,229 |
| 2021 | Opened 10 in 5 statesClosed 83 in 15 states | 10 | 83 | −73 | 1,156 |
| 2022 | Opened 11 in 5 statesClosed Washington | 11 | 1 | +10 | 1,166 |
| 2023 | Opened 16 in 5 states | 16 | 0 | +16 | 1,182 |
| 2024 | Opened 8 in 4 statesClosed 53 in 14 states | 8 | 53 | −45 | 1,137 |
| 2025 | Opened 4 in 3 statesClosed 38 in 11 states | 4 | 38 | −34 | 1,103 |
| 2026 through Q2 | Closed 53 in 14 states | 0 | 53 | −53 | 1,050 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 26% | 18% | |
| Consumer | 22% | 20% | |
| Business (C&I) | 14% | 18% | |
| Commercial real estate | 12% | 7% | |
| Multifamily | 4% | 3% | |
| Construction and land | 3% | 2% | |
| Other | 19% | 32% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 71% | 71% | |
| Noninterest-bearing | 21% | 16% | |
| Time deposits | 8% | 13% |
Brokered deposits are 1.9% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.04% | 0.86% |
| Net charge-offs, annualized | 0.47% | 0.35% |
| Reserves to loans | 1.67% | 1.39% |
| Leverage ratio | 10.32% | 9.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Delaware
Largest competitors in New Castle County, DE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/td-bank-wilmington-de