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PEOPLES HERITAGE SAVINGS BANK

WILMINGTON, DE · Supervised by FDIC

Est. 1852FDIC #18,409RSSD: FDIC-18409

Part ofTORONTO-DOMINION BANK THE→ View all charters

Outstanding Same

Current rating · Exam: June 1999

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Contact & Details

FDIC BankFind

Website

www.td.com/us/en/personal-banking/

Address

2035 Limestone Rd, WILMINGTON, DE

County

New Castle County

Established

January 1, 1852

Total Assets

$345.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$345.6B

Total Deposits

$282.5B

Net Loans

$163.1B

Net Income

$628M

ROA

0.73%

Below avg for Large banks. Peer avg: 1.37%

ROE

5.04%

Risk-Based Capital

19.53%

Above avg for Large banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

ROA0.73%Peer avg: 1.37%▼ Below avg

Risk-Based Capital19.53%Peer avg: 15.74%▲ Above avg

Complaints / $B84.00Peer avg: 88.45▼ Fewer than avg

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Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

6,173

Since 2018

29,176

all complaints on record

Monetary Relief

32.7%

% of complaints where company provided monetary relief

Untimely Response

% exceeding CFPB's 15-day response window

Complaints by Product Type

Checking or savings account

30%

8,365

Credit reporting or other personal consumer reports

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 1999	Outstanding	Large Bank
Jul 1996	Outstanding	Small Bank
Nov 1994	Outstanding	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Branch Footprint

FDIC SOD 2025

Total Branches

1,103

Branch Deposits

$293.3B

1-Year Change

-71

5-year net change: -123 branches

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Other banks in Delaware

PNC BANK, NATIONAL ASSOCIATION$567.9B SANTANDER BANK, NATIONAL ASSOCIATION$106.1B BARCLAYS BANK DELAWARE$46.6B WILMINGTON SAVINGS FUND SOCIETY, FSB$22.0B COMENITY BANK$7.8B WILMINGTON TRUST FSB$760M

All banks in Delaware →

Month	Complaints	With Monetary Relief
August 2025	459	112
September 2025	473	148
October 2025	504	131
November 2025	493	129
December 2025	597	139
January 2026	676	156
February 2026	504	129
March 2026	596	113
April 2026	570	119
May 2026	535	67
June 2026	246	14