Bank Safety Analysis
Is The Depository Trust Company Safe? Brooklyn, New York
Based on its Q3 2026 call report, The Depository Trust Company meets every capital ratio test for well capitalized and its Texas ratio is 0.00%.
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Short answer: is The Depository Trust Company safe?
On its Q3 2026 call report, The Depository Trust Company's CET1 ratio is 67.59%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 67.59%
- Tier 1 leverage ratio (Q3 2026): 13.84%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Source: the FFIEC call report The Depository Trust Company filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Depository Trust Company meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions.
The standout move of Q3 2026 was in CET1 ratio: 32.19 percentage points higher than in Q2 2026, at 67.59%. Against a median of 13.60% for banks in the $1B-10B asset tier, The Depository Trust Company reported 67.59% on CET1 ratio in Q3 2026, 53.98 points higher. From Q4 2023 to Q3 2026, The Depository Trust Company's CET1 ratio ranged between 35.39% (Q2 2026) and 93.99% (Q4 2024) and its Texas ratio held at 0.00% in every quarter.
Between Q3 2025 and Q3 2026, The Depository Trust Company's CET1 ratio rose from 61.04% to 67.59%, Texas ratio held at 0.00% and return on assets fell from 2.42% to 1.22%.
Against the 941 banks with $1B to $10B in assets for Q3 2026, The Depository Trust Company's CET1 ratio of 67.59% is above the 13.60% median, Tier 1 leverage ratio of 13.84% is above the 10.54% median, Texas ratio of 0.00% is below the 3.95% median, and efficiency ratio of 82.65% is above the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Depository Trust Company's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Depository Trust Company score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does The Depository Trust Company trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 67.59% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 67.59% |
| Q2 2026 | 35.39% |
| Q1 2026 | 47.89% |
| Q4 2025 | 90.28% |
| Q3 2025 | 61.04% |
| Q2 2025 | 60.64% |
| Q1 2025 | 79.14% |
| Q4 2024 | 93.99% |
| Q3 2024 | 62.09% |
| Q2 2024 | 53.85% |
| Q1 2024 | 77.78% |
| Q4 2023 | 40.03% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
How have The Depository Trust Company's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $5.73B | 67.59% | 13.84% | — | 0.00% | 82.65% |
| Jun 30, 2026 | $11.00B | 35.39% | 12.84% | — | 0.00% | 82.51% |
| Mar 31, 2026 | $7.96B | 47.89% | 18.19% | — | 0.00% | 78.14% |
| Dec 31, 2025 | $3.98B | 90.28% | 20.56% | — | 0.00% | 79.10% |
| Sep 30, 2025 | $5.86B | 61.04% | 16.68% | — | 0.00% | 72.95% |
| Jun 30, 2025 | $5.66B | 60.64% | 18.89% | — | 0.00% | 78.65% |
| Mar 31, 2025 | $4.19B | 79.14% | 22.40% | — | 0.00% | 77.32% |
| Dec 31, 2024 | $3.38B | 93.99% | 23.19% | — | 0.00% | 80.03% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Depository Trust Company well capitalized?
On its Q3 2026 call report, The Depository Trust Company's CET1 ratio is 67.59%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator applies.
What are The Depository Trust Company's key safety ratios?
For Q3 2026, The Depository Trust Company reports CET1 67.59%, leverage 13.84%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
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Where does this data come from?
Not investment advice. See the full The Depository Trust Company profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
The Depository Trust Company fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FFIEC NIC profile (RSSD 52719)
Explore: Full The Depository Trust Company profile · Other banks in NY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.