TD Bank USA, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 24.53% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 24.53% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 31.20% +24.70 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $3.76B | 3,762,190 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.06B | 12,057,072 | RCOAA223 |
| Recomputed ratio | 31.20% | numerator / denominator | |
| Filed ratio | 31.20% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +24.70 pp | $2.98B | capital that could be lost first |
Tier 1 risk-based capital ratio 31.20% +23.20 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $3.76B | 3,762,190 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.06B | 12,057,072 | RCOAA223 |
| Recomputed ratio | 31.20% | numerator / denominator | |
| Filed ratio | 31.20% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +23.20 pp | $2.80B | capital that could be lost first |
Total risk-based capital ratio 32.53% +22.53 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $3.92B | 3,921,689 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $12.06B | 12,057,072 | RCOAA223 |
| Recomputed ratio | 32.53% | numerator / denominator | |
| Filed ratio | 32.53% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +22.53 pp | $2.72B | capital that could be lost first |
Tier 1 leverage ratio 11.56% +6.56 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $3.76B | 3,762,190 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $32.54B | 32,541,630 | RCOAA224 |
| Recomputed ratio | 11.56% | numerator / denominator | |
| Filed ratio | 11.56% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.56 pp | $2.14B | capital that could be lost first |
Supplementary leverage ratio 10.02%
Tier 1 capital over total leverage exposure, which adds off-balance-sheet exposures to on-balance-sheet assets. Filed by advanced-approaches and Category III banks.
| Tier 1 capital | $3.76B | 3,762,190 | RCOA8274 |
|---|---|---|---|
| Divided by total leverage exposure | $37.55B | 37,553,504 | RCOAH015 |
| Recomputed ratio | 10.02% | numerator / denominator | |
| Filed ratio | 10.02% | RCOAH036 |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,739,005 | 1,739,005 | 1,739,005 | 1,739,005 | 1,739,005 | 1,739,005 | RCOAP742 |
| Retained earnings | 2,029,944 | 1,972,361 | 2,037,153 | 2,706,864 | 2,677,317 | 2,683,066 | RCOAKW00 |
| Accumulated other comprehensive income | 65,208 | 54,172 | 87,349 | 8,078 | (56,092) | 27,179 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,834,157 | 3,765,538 | 3,863,507 | 4,453,947 | 4,360,230 | 4,449,250 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (71,967) | (58,991) | (92,041) | (18,432) | 47,398 | (33,560) | P859 - P840 |
| Common equity Tier 1 capital | 3,762,190 | 3,706,547 | 3,771,466 | 4,435,515 | 4,407,628 | 4,415,690 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 3,762,190 | 3,706,547 | 3,771,466 | 4,435,515 | 4,407,628 | 4,415,690 | RCOA8274 |
| Tier 2 capital | 159,499 | 160,771 | 173,849 | 170,816 | 171,807 | 171,756 | RCOA5311 |
| Allowance includable in Tier 2 capital | 159,499 | 160,771 | 173,849 | 170,816 | 171,807 | 171,756 | RCOA5310 |
| Total capital | 3,921,689 | 3,867,318 | 3,945,315 | 4,606,331 | 4,579,435 | 4,587,446 | RCOA3792 |
| Total risk-weighted assets | 12,057,072 | 12,156,156 | 13,181,618 | 12,945,159 | 12,998,276 | 12,996,995 | RCOAA223 |
| Average total assets for the leverage ratio | 32,541,630 | 32,706,551 | 34,162,630 | 34,304,372 | 34,310,963 | 34,560,114 | RCOAA224 |
| Total leverage exposure | 37,553,504 | 37,712,470 | 39,212,049 | 39,348,312 | 39,404,583 | 39,644,738 | RCOAH015 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $4.22B | $58K | 0.00% | 0.00% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $11.24B | $740.6M | 6.59% | 5.80% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $3.1M | $3.1M | 100.00% | 0.02% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $180.3M | $270.5M | 150.00% | 2.12% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $8.53B | $8.50B | 99.70% | 66.65% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.51B | $1.69B | 111.58% | 13.22% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $110.4M | $105.4M | 95.48% | 0.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $90.0M | $1.9M | 2.15% | 0.02% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.45B | NA | 11.34% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $11.31B | ties to item 31 ($11.31B) |
|---|---|---|
| Risk-weighted assets before deductions | $12.76B | RCONB704 |
| Less: excess allowance for credit losses | $702.8M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $12.06B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 31.20% | 31.20% | 32.53% | 11.56% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 30.49% | 30.49% | 31.81% | 11.33% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 28.61% | 28.61% | 29.93% | 11.04% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 34.26% | 34.26% | 35.58% | 12.93% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 33.91% | 33.91% | 35.23% | 12.85% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 33.97% | 33.97% | 35.30% | 12.78% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 31.00% | 31.00% | 32.32% | 12.47% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 33.35% | 33.35% | 34.67% | 12.52% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 33.97% | 33.97% | 35.29% | 12.89% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 32.72% | 32.72% | 34.05% | 12.16% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 30.06% | 30.06% | 31.38% | 11.83% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 31.52% | 31.52% | 32.85% | 11.27% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| TD Bank USA, N.A. (this bank) | Risk-based | 31.20% | 31.20% | 32.53% | 11.56% | |
| Fulton Bank, N.A. | $32.56B | Risk-based | 13.03% | 13.21% | 14.46% | 10.20% |
| Glacier Bank | $31.58B | Risk-based | 12.99% | 12.99% | 14.21% | 10.10% |
| Eastern Bank | $31.13B | Risk-based | 12.07% | 12.07% | 13.07% | 10.15% |
| Texas Capital Bank | $33.62B | Risk-based | 12.35% | 12.35% | 13.53% | 10.67% |
| BNY Mellon, N.A. | $30.62B | Risk-based | 15.96% | 15.96% | 17.86% | 6.52% |
| United Bank | $33.64B | Risk-based | 13.69% | 13.69% | 14.91% | 11.60% |
| First National Bank of Omaha | $34.20B | Risk-based | 12.64% | 12.64% | 13.92% | 10.83% |
| BankUnited, N.A. | $34.86B | Risk-based | 13.01% | 13.01% | 13.90% | 9.43% |
| Banc of California | $34.90B | Risk-based | 12.68% | 12.68% | 13.74% | 9.64% |
| Peer 25th percentile | 12.64% | 12.64% | 13.74% | 9.64% | ||
| Peer median | 12.99% | 12.99% | 13.92% | 10.15% | ||
| Peer 75th percentile | 13.03% | 13.21% | 14.46% | 10.67% | ||
| This bank's percentile | 100 | 100 | 100 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2121196/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.