Bank Comparison
Fulton Bank, N.A. vs TD Bank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| CET1 Ratio | 12.94% | 30.49% |
| Tier 1 Capital Ratio | 13.12% | 30.49% |
| Total Capital Ratio | 14.38% | 31.81% |
| Tier 1 Leverage Ratio | 10.17% | 11.33% |
| Equity / Assets | 11.01% | 11.51% |
Profitability
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 0.12% |
| Return on Equity (ROE) | 11.31% | 1.07% |
| Net Interest Margin (NIM) | 3.58% | 6.39% |
| Yield on Earning Assets | 5.22% | 9.68% |
| Cost of Funds | 1.78% | 3.58% |
Asset quality
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Texas Ratio | 8.55% | 5.56% |
| Non-Performing Loan Ratio | 1.01% | 0.76% |
| Non-Performing Asset Ratio | 0.77% | 0.20% |
| Net Charge-Off Ratio | 0.25% | 5.47% |
| ACL / Loans | 1.51% | 9.91% |
Balance sheet
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Total Assets | $32,107M | $32,718M |
| Total Deposits | $27,040M | $27,662M |
| Total Loans | $24,278M | $8,742M |
| Total Equity | $3,533M | $3,765M |
| Net Income (quarter) | $99,873K | $10,208K |
Liquidity & funding
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 89.78% | 31.60% |
| Core Deposit Ratio | 95.89% | 100.00% |
| Uninsured Deposit Ratio | 40.22% | 1.24% |
Identity
| Metric | Fulton Bank, N.A. | TD Bank USA, N.A. |
|---|---|---|
| Headquarters City | LANCASTER | WILMINGTON |
| Headquarters State | PA | DE |
| Asset Tier | Regional | Regional |
| Charter Class | 24891 | 22611 |
| Regulator | OCC | OCC |
| Domestic Branches | 208 | 1 |
| Employees (FTE) | 3,325 | 119 |
| Established | Jan. 1, 1882, midnight | Oct. 13, 1994, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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