TD Bank USA, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 20.4% higher than in Q1 2026, at $65.2M. TD Bank USA, N.A. ranks 5th of 14 Delaware banks on CET1 ratio, in the upper half at 31.20% (Q2 2026). TD Bank USA, N.A.'s CET1 ratio of 31.20% is well above the 12.96% median for banks in the $10B-100B asset tier, a gap of 18.25 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 31.20% |
| Tier 1 risk-based capital ratio | 31.20% |
| Total risk-based capital ratio | 32.53% |
| Tier 1 leverage ratio | 11.56% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.76B |
| Tier 1 capital | $3.76B |
| Total risk-based capital | $3.92B |
| Total equity capital | $3.83B |
| Risk-weighted assets | $12.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.93% |
| Tangible equity to tangible assets | 11.93% |
| Equity capital to average assets | 11.78% |
| Internal capital growth rate | 6.12% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.74B |
| Retained earnings | $2.03B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $65.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 31.52% | 31.52% | 32.85% | 11.27% | $12.89B |
| Q4 2023 | 30.06% | 30.06% | 31.38% | 11.83% | $13.92B |
| Q1 2024 | 32.72% | 32.72% | 34.05% | 12.16% | $12.95B |
| Q2 2024 | 33.97% | 33.97% | 35.29% | 12.89% | $12.81B |
| Q3 2024 | 33.35% | 33.35% | 34.67% | 12.52% | $12.62B |
| Q4 2024 | 31.00% | 31.00% | 32.32% | 12.47% | $13.90B |
| Q1 2025 | 33.97% | 33.97% | 35.30% | 12.78% | $13.00B |
| Q2 2025 | 33.91% | 33.91% | 35.23% | 12.85% | $13.00B |
| Q3 2025 | 34.26% | 34.26% | 35.58% | 12.93% | $12.95B |
| Q4 2025 | 28.61% | 28.61% | 29.93% | 11.04% | $13.18B |
| Q1 2026 | 30.49% | 30.49% | 31.81% | 11.33% | $12.16B |
| Q2 2026 | 31.20% | 31.20% | 32.53% | 11.56% | $12.06B |
TD Bank USA, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock TD Bank USA, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full TD Bank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33947) · FFIEC NIC profile (RSSD 2121196)