Bank Comparison
TD Bank USA, N.A. vs Texas Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| CET1 Ratio | 30.49% | 13.18% |
| Tier 1 Capital Ratio | 30.49% | 13.18% |
| Total Capital Ratio | 31.81% | 14.35% |
| Tier 1 Leverage Ratio | 11.33% | 11.91% |
| Equity / Assets | 11.51% | 10.91% |
Profitability
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 0.12% | 1.00% |
| Return on Equity (ROE) | 1.07% | 8.63% |
| Net Interest Margin (NIM) | 6.39% | 3.45% |
| Yield on Earning Assets | 9.68% | 5.51% |
| Cost of Funds | 3.58% | 2.23% |
Asset quality
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| Texas Ratio | 5.56% | 5.18% |
| Non-Performing Loan Ratio | 0.76% | 0.73% |
| Non-Performing Asset Ratio | 0.20% | 0.55% |
| Net Charge-Off Ratio | 5.47% | 0.30% |
| ACL / Loans | 9.91% | 1.07% |
Balance sheet
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| Total Assets | $32,718M | $33,205M |
| Total Deposits | $27,662M | $29,118M |
| Total Loans | $8,742M | $25,200M |
| Total Equity | $3,765M | $3,623M |
| Net Income (quarter) | $10,208K | $77,480K |
Liquidity & funding
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 31.60% | 86.55% |
| Core Deposit Ratio | 100.00% | 98.11% |
| Uninsured Deposit Ratio | 1.24% | 41.19% |
Identity
| Metric | TD Bank USA, N.A. | Texas Capital Bank |
|---|---|---|
| Headquarters City | WILMINGTON | DALLAS |
| Headquarters State | DE | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 22611 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 10 |
| Employees (FTE) | 119 | 1,758 |
| Established | Oct. 13, 1994, midnight | Oct. 3, 1997, 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.
View full TD Bank USA, N.A. profile | View full Texas Capital Bank profile | Browse all bank comparisons