Bank Comparison
Nbt Bank, N.A. 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 | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| CET1 Ratio | 12.06% | 16.21% |
| Tier 1 Capital Ratio | 12.06% | 16.21% |
| Total Capital Ratio | 13.17% | 16.94% |
| Tier 1 Leverage Ratio | 9.47% | 11.06% |
| Equity / Assets | 11.50% | 10.60% |
Profitability
| Metric | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 0.45% |
| Return on Equity (ROE) | 10.23% | 4.56% |
| Net Interest Margin (NIM) | 3.73% | 0.98% |
| Yield on Earning Assets | 4.98% | 4.83% |
| Cost of Funds | 1.32% | 3.65% |
Asset quality
| Metric | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| Texas Ratio | 4.10% | 0.77% |
| Non-Performing Loan Ratio | 0.51% | 0.16% |
| Non-Performing Asset Ratio | 0.37% | 0.09% |
| Net Charge-Off Ratio | 0.17% | 0.22% |
| ACL / Loans | 1.20% | 0.95% |
Balance sheet
| Metric | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| Total Assets | $16,090M | $16,100M |
| Total Deposits | $13,891M | $13,591M |
| Total Loans | $11,547M | $8,402M |
| Total Equity | $1,850M | $1,706M |
| Net Income (quarter) | $47,304K | $18,108K |
Liquidity & funding
| Metric | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.13% | 61.82% |
| Core Deposit Ratio | 97.60% | 95.38% |
| Uninsured Deposit Ratio | 43.49% | 17.08% |
Identity
| Metric | Nbt Bank, N.A. | Toyota Financial Savings Bank |
|---|---|---|
| Headquarters City | NORWICH | HENDERSON |
| Headquarters State | NY | NV |
| Asset Tier | Regional | Regional |
| Charter Class | 1354 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 177 | 1 |
| Employees (FTE) | 1,967 | 223 |
| Established | March 3, 1856, 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.
View full Nbt Bank, N.A. profile | View full Toyota Financial Savings Bank profile | Browse all bank comparisons