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S&P Rated (TCF Financial): Investment Grade BBB-
Moody’s Rated (TCF Bank): Investment Grade Baa1
TCF Bank Corporate Profile
TCF Financial Corporation is the holding company for TCF Bank. TCF has over $19 billion in assets and over 430 branches throughout the United States, which offer personal and commercial products including checking, savings, money market accounts, CDs, retirement savings accounts, loans for home purchases and improvement, debt consolidation, real estate investment, and business activities. To adapt to today’s regulatory environment, TCF has diversified its lending platforms and increased its originations by 12.2% in 2014, resulting in a total of $13.5 billion in loans and leases. This further diversifies TCF’s income through sales and servicing fees, reducing its reliance on banking fees. It also adds high-yield, high-quality assets to its balance sheet, introduces diversification across type of credit, geography, industry, product, and collateral, and enables TCF to potentially reduce risk through active management of loan concentrations.