The Depository Trust Company: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, The Depository Trust Company reported 15 of the 23 line items on this page. CET1 capital ratio was 67.59% in Q3 2026, up 6.54 percentage points from 61.04% in Q3 2025. Across the 12 quarters shown it ranged from 35.39% (Q2 2026) to 93.99% (Q4 2024).
Tier 1 risk-based capital ratio climbed 38.03 percentage points in Q3 2026, from 42.05% to 80.08%. It was the largest change from Q2 2026 among the key lines here. The Depository Trust Company reported 1.22% on return on assets for Q3 2026, 0.08 points below the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 67.59% |
| Tier 1 risk-based capital ratio | 80.08% |
| Total risk-based capital ratio | 80.08% |
| Tier 1 leverage ratio | 13.84% |
| Equity capital to assets | 17.98% |
| Tangible equity to tangible assets | 16.98% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | — |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of nonperforming loans | — |
Earnings
Largest change in this table: return on assets, up 0.17 points to 1.22% in Q3 2026 after 1.05% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 8.37% |
| Net interest margin | 0.48% |
| Efficiency ratio | 82.65% |
| Yield on earning assets | 1.15% |
| Cost of funds | 4.73% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | — |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 40.03% | 49.94% | 49.94% | 15.07% | 1.47% |
| Q1 2024 | 77.78% | 96.70% | 96.70% | 20.80% | 1.88% |
| Q2 2024 | 53.85% | 66.53% | 66.53% | 16.55% | 1.79% |
| Q3 2024 | 62.09% | 76.28% | 76.28% | 19.75% | 2.06% |
| Q4 2024 | 93.99% | 114.81% | 114.81% | 23.19% | 2.37% |
| Q1 2025 | 79.14% | 96.10% | 96.10% | 22.40% | 2.47% |
| Q2 2025 | 60.64% | 73.39% | 73.39% | 18.89% | 1.93% |
| Q3 2025 | 61.04% | 73.35% | 73.35% | 16.68% | 2.42% |
| Q4 2025 | 90.28% | 108.01% | 108.01% | 20.56% | 2.20% |
| Q1 2026 | 47.89% | 57.01% | 57.01% | 18.19% | 1.97% |
| Q2 2026 | 35.39% | 42.05% | 42.05% | 12.84% | 1.05% |
| Q3 2026 | 67.59% | 80.08% | 80.08% | 13.84% | 1.22% |
The Depository Trust Company vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full The Depository Trust Company profile or its peer group comparison.
Regulator records: FFIEC NIC profile (RSSD 52719)