SI
Bank Universe

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

TD
US · USRegulated by OCCLatest: 2026-Q1
36LOW

CET1 Ratio

18.28%+0.18pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$210.3B

+0.69% QoQ growth

Total Loan Book

$163.1B

-3.9% YoY growth

Leverage Ratio

11.50%

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 · 2026-Q1

Comm. Real Estate45.1%
Consumer22.2%
SME / C&I14.2%
Other18.5%

Metric History

12 quarters · FDIC Call Report data

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2026-Q1latest18.28%11.50%$210.3B$163.1B-3.9%+0.69%45.1%22.2%14.2%36
2025-Q418.11%11.33%$208.8B$163.7B-8.8%-0.68%45.2%22.4%13.8%
2025-Q317.97%11.13%$210.2B$164.9B-9.6%-0.76%45.0%22.1%13.8%
2025-Q217.85%10.84%$211.8B$168.8B-7.4%-1.63%44.0%21.2%15.7%
2025-Q117.49%10.50%$215.4B$169.8B-6.8%-2.34%43.7%20.8%16.4%
2024-Q416.94%9.94%$220.5B$179.4B-0.4%-1.13%45.6%20.1%16.2%
2024-Q316.95%10.23%$223.0B$182.4B+2.8%-0.04%45.2%19.7%17.2%
2024-Q217.70%10.93%$223.1B$182.4B+5.0%+0.25%44.9%19.5%17.4%
2024-Q117.53%10.91%$222.6B$182.1B+1.19%44.3%19.4%17.6%
2023-Q417.78%11.01%$220.0B$180.2B+1.03%43.7%19.0%17.8%
2023-Q318.04%10.93%$217.7B$177.5B+1.12%43.5%19.1%18.0%
2023-Q217.89%10.52%$215.3B$173.8B43.3%18.6%18.0%

AI Investment Memo

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

Score: 36/100·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

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

36/100 —LOW

Live score · base 34 pts +2 macro adj

Capital Pressure0/40

CET1 18.28% — well above management threshold

+0

-6.28pp headroom above 8% regulatory floor

+0

CET1 stable or improving (18.11% → 18.28%)

+0

Leverage ratio 11.50% — adequate headroom

+0
Loan Book Growth7/30

Loan book grew -3.9% YoY

+0

RWA grew 0.7% QoQ

+2

CRE: 45.12594922467561%, Lev.Loans: 0%, max(Consumer/SME): 22.189217726866918%

+5
Historical SRT15/25

Bank has previously issued SRT transactions

+15

2 months since last deal — recently completed

+0
Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

+7
Large Bank

$500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

+5
Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood36/100