Bank Comparison
Beal Bank USA vs Toyota Financial Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| CET1 Ratio | 52.82% | 16.21% |
| Tier 1 Capital Ratio | 52.82% | 16.21% |
| Total Capital Ratio | 53.79% | 16.94% |
| Tier 1 Leverage Ratio | 22.00% | 11.06% |
| Equity / Assets | 22.24% | 10.60% |
Profitability
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 2.76% | 0.45% |
| Return on Equity (ROE) | 12.33% | 4.56% |
| Net Interest Margin (NIM) | 2.83% | 0.98% |
| Yield on Earning Assets | 5.51% | 4.83% |
| Cost of Funds | 2.97% | 3.65% |
Asset quality
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| Texas Ratio | 5.78% | 0.77% |
| Non-Performing Loan Ratio | 4.01% | 0.16% |
| Non-Performing Asset Ratio | 1.31% | 0.09% |
| Net Charge-Off Ratio | -0.01% | 0.22% |
| ACL / Loans | 1.18% | 0.95% |
Balance sheet
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| Total Assets | $13,025M | $16,100M |
| Total Deposits | $3,670M | $13,591M |
| Total Loans | $4,170M | $8,402M |
| Total Equity | $2,896M | $1,706M |
| Net Income (quarter) | $87,629K | $18,108K |
Liquidity & funding
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 113.60% | 61.82% |
| Core Deposit Ratio | 93.71% | 95.38% |
| Uninsured Deposit Ratio | 20.59% | 17.08% |
Identity
| Metric | Beal Bank USA | Toyota Financial Savings Bank |
|---|---|---|
| Headquarters City | LAS VEGAS | HENDERSON |
| Headquarters State | NV | NV |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 1 |
| Employees (FTE) | 194 | 223 |
| Established | Aug. 2, 2004, midnight | Aug. 16, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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