Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.

TD Bank

US · USRegulated by OCCLatest: 2025-Q4

0LOW

CET1 Ratio

18.11%+0.14pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$208.8B

-0.68% QoQ growth

Total Loan Book

$163.7B

-8.8% YoY growth

Leverage Ratio

11.33%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate45.2%

Consumer22.4%

SME / C&I13.8%

Other18.7%

Metric History

8 quarters · FDIC Call Report data

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latest	18.11%	11.33%	$208.8B	$163.7B	-8.8%	-0.68%	45.2%	22.4%	13.8%	0
2025-Q3	17.97%	11.13%	$210.2B	$164.9B	-9.6%	-0.76%	45.0%	22.1%	13.8%	—
2025-Q2	17.85%	10.84%	$211.8B	$168.8B	-7.4%	-1.63%	44.0%	21.2%	15.7%	—
2025-Q1	17.49%	10.50%	$215.4B	$169.8B	—	-2.34%	43.7%	20.8%	16.4%	—
2024-Q4	16.94%	9.94%	$220.5B	$179.4B	—	-1.13%	45.6%	20.1%	16.2%	—
2024-Q3	16.95%	10.23%	$223.0B	$182.4B	—	-0.04%	45.2%	19.7%	17.2%	—
2024-Q2	17.70%	10.93%	$223.1B	$182.4B	—	—	44.9%	19.5%	17.4%	—
2024-Q1	17.53%	10.91%	$222.6B	$182.1B	—	—	44.3%	19.4%	17.6%	—

Score Breakdown

0/100 —LOW

Live score · base 0 pts -4 macro adj

Capital Pressure0/40

CET1 18.11% — above 12%, no pressure

-6.11pp above 8% regulatory floor

CET1 stable or improving (17.97% → 18.11%)

Loan Book Growth5/30

Loan book grew -8.8% YoY

RWA grew -0.7% QoQ

Highest concentration: CRE at 45.2% — above 30% threshold

Historical SRT0/20

No prior SRT deals on record

Macro Context3/10

Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts

Large Bank

>$500B total assets — deep capital buffers reduce SRT urgency

-15

CET1 >14% — well capitalised-10

Macro environment · UNFAVORABLE-4

Sentiment -10/20 · global -4 pts

Overall SRT likelihood0/100

AI Investment Memo

Llama will analyze TD Bank across 4 data dimensions and write a structured memo

Score: 0/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

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