TD Bank Group (NYSE: TD) expects $7M Q1 catastrophe claims

Rhea-AI Filing Summary

The Toronto-Dominion Bank reports that it expects approximately $7 million in catastrophe insurance claims, after reinsurance and before tax, to be recorded in its Wealth Management & Insurance segment for the first quarter of fiscal 2026.

These catastrophe claims arise from single events in the quarter where total claims exceed the Bank’s internal threshold of $5 million before reinsurance, and are recorded in Insurance service expenses with related reinsurance impacts in Other income (loss). TD, which had $2.1 trillion in assets as of October 31, 2025, plans to release its first quarter 2026 financial results and host an earnings call on February 26, 2026.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER

Pursuant to Rule 13a-16 or 15d-16 of

the Securities Exchange Act of 1934

For the month of February, 2026 Commission File Number:  001-14446

The Toronto-Dominion Bank

(Translation of registrant's name into English)

c/o General Counsel’s Office

P.O. Box 1, Toronto Dominion Centre,

Toronto, Ontario, M5K 1A2

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F _________ Form 40-F          √         

This Form 6-K and the exhibits hereto are incorporated by reference into all outstanding Registration Statements of The Toronto-Dominion Bank filed with the U.S. Securities and Exchange Commission.

EXHIBIT INDEX

Exhibit		Description
99.1		Press Release dated February 5, 2026 - TD Bank Group Provides Insurance Catastrophe Information

FORM 6-K

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	THE TORONTO-DOMINION BANK
DATE: February 5, 2026	By:	/s/ Sue-Anne Fox
		Name:	Sue-Anne Fox
		Title:	Associate Vice President, Legal, Treasury and Corporate Securities

 EXHIBIT 99.1

TD Bank Group Provides Insurance Catastrophe Information

TORONTO, February 5, 2026 - TD Bank Group ("TD" or the "Bank") (TSX and NYSE: TD) announced today that it expects catastrophe claims of approximately $7 million after reinsurance and before tax to be reflected in the Bank's Wealth Management & Insurance segment's first quarter results.

Catastrophe claims are insurance claims that relate to any single event that occurred in the relevant fiscal quarter, for which the aggregate insurance claims are equal to or greater than an internal threshold of $5 million before reinsurance. The Bank’s internal threshold may change from time to time. The total amount of catastrophe claims presented reflects the estimated pre-tax cost of these claims net of recoveries from related reinsurance coverage and, when applicable, includes the cost of reinsurance reinstatement premiums. The total amount of catastrophe claims is included in Insurance service expenses and amounts related to reinsurance coverage are included in Other income (loss) on the Bank's Consolidated Statement of Income.

Additional information about the Bank's insurance catastrophe claims (including catastrophe claims, net of reinsurance for the comparative quarter) is available on its website here: https://www.td.com/ca/en/about-td/for-investors/investor-relations/financial-information

Quarterly Earnings Announcement

TD will release its first quarter fiscal 2026 financial results and host an earnings conference call on Thursday, February 26, 2026.

Caution Regarding Forward-Looking Statements

This document contains forward-looking statements. All such statements are made pursuant to the "safe harbour" provisions of, and are intended to be forward-looking statements under, applicable Canadian and U.S. securities legislation, including the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements are typically identified by words such as "will", "would", "should", "believe", "expect", "anticipate", "intend", "strive", "confident", "estimate", "forecast", "outlook", "plan", "goal", "commit", "target", "possible", "potential", "predict", "project", "may", and "could" and similar expressions or variations thereof, or the negative thereof, but these terms are not the exclusive means of identifying such statements. By their very nature, these forward-looking statements require the Bank to make assumptions and are subject to inherent risks and uncertainties, general and specific. Especially in light of the uncertainty related to the physical, financial, economic, political, and regulatory environments, such risks and uncertainties - many of which are beyond the Bank's control and the effects of which can be difficult to predict - may cause actual results to differ materially from the expectations expressed in the forward-looking statements. Please refer to the "Risk Factors and Management" section of the Management's Discussion and Analysis in the Bank's 2025 Annual Report, as may be updated in subsequently filed quarterly reports to shareholders. All such factors, as well as other uncertainties and potential events, and the inherent uncertainty of forward-looking statements, should be considered carefully when making decisions with respect to the Bank. The Bank cautions readers not to place undue reliance on the Bank's forward-looking statements. Any forward-looking statements contained in this document represent the views of management only as of the date hereof and are presented for the purpose of assisting the Bank's shareholders and analysts in understanding the Bank's financial position, objectives and priorities and anticipated financial performance as at and for the periods ended on the dates presented, and may not be appropriate for other purposes. The Bank does not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on its behalf, except as required under applicable securities legislation.

About TD Bank Group

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or the "Bank"). TD is the sixth largest bank in North America by assets and serves over 28.1 million customers in four key businesses operating in a number of locations in financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Auto Finance Canada; U.S. Retail, including TD Bank, America's Most Convenient Bank®, TD Auto Finance U.S., and TD Wealth (U.S.); Wealth Management and Insurance, including TD Wealth (Canada), TD Direct Investing, and TD Insurance; and Wholesale Banking, including TD Securities and TD Cowen. TD also ranks among North America's leading digital banks, with more than 13 million active mobile users in Canada and the U.S. TD had $2.1 trillion in assets on October 31, 2025. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto Stock Exchange and New York Stock Exchange.

For further information contact:

Brooke Hales, Senior Vice President, Investor Relations, 416-307-8647, Brooke.Hales@td.com; Gabrielle Sukman, Senior Manager, Corporate and Public Affairs, 416-983-1854, Gabrielle.Sukman@td.com

FAQ

What catastrophe claims amount did TD (TD) disclose for Q1 2026?

TD expects approximately $7 million in catastrophe insurance claims, after reinsurance and before tax, in its Wealth Management & Insurance segment for first quarter 2026. These costs reflect large insurance events exceeding TD’s internal catastrophe threshold.

How does TD (TD) define insurance catastrophe claims?

TD defines catastrophe claims as insurance claims from a single event in the fiscal quarter where aggregate claims reach at least $5 million before reinsurance. This internal threshold, which may change over time, determines which events are treated as catastrophes in reporting.

Where will TD’s Q1 2026 catastrophe claims appear in its financial statements?

TD states that catastrophe claim amounts are included in Insurance service expenses, while related reinsurance recoveries and any reinstatement premiums are reflected in Other income (loss) on the Bank’s Consolidated Statement of Income, affecting reported segment results.

When will TD (TD) release its first quarter 2026 financial results?

TD plans to release its first quarter fiscal 2026 financial results and host an earnings conference call on February 26, 2026. The disclosed catastrophe claims are expected to be reflected in those upcoming quarterly results for the Wealth Management & Insurance segment.

How large is TD Bank Group and what businesses does it operate?

TD Bank Group reports $2.1 trillion in assets as of October 31, 2025 and serves over 28.1 million customers. It operates four key businesses: Canadian Personal and Commercial, U.S. Retail, Wealth Management & Insurance, and Wholesale Banking across multiple global financial centres.

Where can investors find more information on TD’s insurance catastrophe claims?

TD directs investors to additional details on insurance catastrophe claims, including comparative quarter data net of reinsurance, on its investor relations website. A specific catastrophe information section provides historical context around claims, reinsurance impacts, and their treatment in reported financial results.