Bank Comparison
TD Bank, N.A. vs U.S. Bank N.A.
BankRegReports is independent of TD Bank, N.A. and U.S. Bank N.A. and never asks for online banking logins or passwords.
At Q2 2026, U.S. Bank N.A. is the larger bank, with $705.55B in total assets to TD Bank, N.A.'s $342.80B; TD Bank, N.A. has the higher CET1 ratio (16.16% vs 12.91%) and U.S. Bank N.A. has the higher return on assets (1.32% vs 0.92%).
vs
12 · 5
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| CET1 Ratio | 16.16% | 12.91% |
| Tier 1 Capital Ratio | 16.16% | 12.99% |
| Total Capital Ratio | 17.41% | 14.94% |
| Tier 1 Leverage Ratio | 10.32% | 9.49% |
| Equity / Assets | 13.33% | 9.76% |
Profitability
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.32% |
| Return on Equity (ROE) | 6.65% | 13.06% |
| Net Interest Margin (NIM) | 3.22% | 2.90% |
| Yield on Earning Assets | 4.67% | 4.85% |
| Cost of Funds | 1.37% | 2.05% |
Asset quality
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| Texas Ratio | 4.89% | 3.20% |
| Non-Performing Loan Ratio | 1.11% | 1.45% |
| Non-Performing Asset Ratio | 0.54% | 0.85% |
| Net Charge-Off Ratio | 0.43% | 0.54% |
| ACL / Loans | 1.67% | 1.85% |
Balance sheet
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| Total Assets | $342.80B | $705.55B |
| Total Deposits | $277.67B | $541.89B |
| Total Loans | $165.36B | $413.34B |
| Total Equity | $45.69B | $68.83B |
| Net Income (quarter) | $795.1M | $2.23B |
Liquidity & funding
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 59.55% | 76.28% |
| Core Deposit Ratio | 95.65% | 90.54% |
| Uninsured Deposit Ratio | 37.28% | 52.20% |
Identity
| Metric | TD Bank, N.A. | U.S. Bank N.A. |
|---|---|---|
| Headquarters City | Wilmington | Cincinnati |
| Headquarters State | DE | OH |
| Asset Tier | $250B or more in assets | $250B or more in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 1,051 | 2,097 |
| Employees (FTE) | 28,582 | 65,445 |
| Established | January 1, 1852 | July 13, 1863 |
Related bank comparisons
TD Bank vs The Bank of New York Mellon · TD Bank vs Fifth Third Bank · TD Bank vs PNC Bank · TD Bank vs JPMorgan Chase Bank · U.S. Bank N.A. vs The Bank of New York Mellon · U.S. Bank N.A. vs Fifth Third Bank · U.S. Bank N.A. vs PNC Bank · U.S. Bank N.A. vs JPMorgan Chase Bank
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full TD Bank, N.A. profile | View full U.S. Bank N.A. profile | Browse all bank comparisons