Our Commitment to Financial Stability and Security

Your trust is something we never take for granted. While we live in a world that's seen many ups and downs, twists and turns, it's even more important to remind you of our commitment to being here for you. We're committed to financial stability, security and growth.

This means continuing our longstanding focus on prudent risk management, mature governance controls and a diversified mix of businesses. It also means looking to grow and expand our business in ways that benefit our customers and the communities we live in.

 


TD's Commitment

TD maintains a dedication to stability while also being here for our customers, colleagues and community members.

  • One of the 10 largest banks in the US*: more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
  • Diversified business model: We offer a full range of retail, small business and commercial banking products and services to our over 9.9 million customers
  • 2022 G-SIB Designation: TD Bank America's Most Convenient Bank is part of TD Bank Group, which is the second largest bank in Canada. TD Bank Group is considered a Global Systemically Important Bank, or a "G-SIB." A G-SIB is a bank that has significant importance to the global economy and is required to undergo additional stress testing and more rigorous regulation. Banking with a G-SIB means you can have additional assurance and peace of mind, knowing TD follows extra regulatory safeguards.
  • TD Bank Group's credit ratings are considered 'investment grade' by all credit agencies: these independent agencies believe TD has a high capacity to repay loans and a low likelihood of default. See our credit ratings here

 

View our most recent financial reports, regulatory disclosures and investor presentation


Coverage for TD Bank Accounts & Investments

All deposits and deposit products are FDIC-insured, up to $250,000 per depositor, per ownership category. That includes checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs) and prepaid cards.

Learn more about FDIC insurance* >

Fiduciary accounts at TD Bank (including accounts for which TD Bank acts as a trustee and accounts at TD Bank where TD Bank provides investment advice) are separated from other TD Bank assets in accordance with national banking regulations.

 


Cash and investments at TD Private Client Wealth LLC, an affiliated broker-dealer and investment adviser, are insured by the Securities Investor Protection Corporation (SIPC) up to $500,000. SIPC coverage is intended to protect against the loss of cash and securities that are held with a broker-dealer, in the unlikely event that the broker-dealer becomes insolvent.

Learn more about SIPC insurance* >

 


FAQ

  • TD Bank America's Most Convenient Bank is part of TD Bank Group, which is the second largest bank in Canada. TD Bank Group is considered a Global Systemically Important Bank, or a "G-SIB."
  • A G-SIB is a bank that has significant importance to the global economy and is required to undergo additional stress testing and more rigorous regulation.
  • Banking with a G-SIB means you can have additional assurance and peace of mind, knowing TD follows extra regulatory safeguards.
  • TD’s credit ratings are also considered investment grade, which means independent agencies believe in our ability to repay loans and avoid default.

  • TD is dedicated to stability and security, with a longstanding focus on strong risk management and controls and a diverse portfolio mix including total deposits of $361 billion and a loan-to-deposit ratio of 48% as of 12/31/22.
  • Additionally, all deposits and deposit products are FDIC-insured, up to $250,000 per depositor, per ownership category.

  • TD works closely with many regulatory bodies across the U.S. to ensure we adhere to all required regulations, deliver for our customers and do our part to maintain stability across the financial industry.

  • Risk management has always been core to TD's business. We hold ourselves to the highest standards of integrity, ethics and compliance and we work diligently to protect the interests of our customers and our institution, overall. 

We're always here to help

If you have any questions, feel free to call or stop by your local store.

*Based on total deposits as of June 30, 2022. Source: SNL Financial, Largest Banks and Thrifts in the U.S. by total deposits.

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