Bank Comparison
Bremer Bank, National Association vs Toyota Financial Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| CET1 Ratio | 12.36% | 16.21% |
| Tier 1 Capital Ratio | 12.36% | 16.21% |
| Total Capital Ratio | 13.24% | 16.94% |
| Tier 1 Leverage Ratio | 9.46% | 11.06% |
| Equity / Assets | 8.26% | 10.60% |
Profitability
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.84% | 0.45% |
| Return on Equity (ROE) | 10.48% | 4.56% |
| Net Interest Margin (NIM) | 2.94% | 0.98% |
| Yield on Earning Assets | 4.94% | 4.83% |
| Cost of Funds | 2.15% | 3.65% |
Asset quality
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| Texas Ratio | 7.53% | 0.77% |
| Non-Performing Loan Ratio | 0.92% | 0.16% |
| Non-Performing Asset Ratio | 0.67% | 0.09% |
| Net Charge-Off Ratio | 0.51% | 0.22% |
| ACL / Loans | 0.92% | 0.95% |
Balance sheet
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| Total Assets | $16,414M | $16,100M |
| Total Deposits | $13,321M | $13,591M |
| Total Loans | $11,779M | $8,402M |
| Total Equity | $1,355M | $1,706M |
| Net Income (quarter) | $34,774K | $18,108K |
Liquidity & funding
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.43% | 61.82% |
| Core Deposit Ratio | 96.65% | 95.38% |
| Uninsured Deposit Ratio | 38.27% | 17.08% |
Identity
| Metric | Bremer Bank, National Association | Toyota Financial Savings Bank |
|---|---|---|
| Headquarters City | Saint Paul | HENDERSON |
| Headquarters State | MN | NV |
| Asset Tier | Regional | Regional |
| Charter Class | 23290 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 71 | 1 |
| Employees (FTE) | 1,413 | 223 |
| Established | Nov. 19, 1932, 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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