Toyota Financial Savings Bank
Also written as TFSB
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Data as of · sourced from FFIEC call reports. How we update
Toyota Financial Savings Bank is an FDIC-insured commercial bank headquartered in Henderson, NV, supervised by the FDIC, with $16.79B in total assets at Q2 2026, up 42.7% from Q2 2025, the largest of 14 banks headquartered in Nevada. It was established in 2004 and holds FDIC certificate 57542. Its CET1 capital ratio was 14.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57542
- Headquarters
- Henderson, NV
- Established
- 2004
- Total assets, Q2 2026
- $16.79B
- Assets vs Q2 2025
- +42.7%
- CET1 ratio, Q2 2026
- 14.40%
- Domestic offices
- 1 · Toyota Financial Savings Bank branches FDIC institution directory, current count
- Routing number
- 122487404
- Safety and soundness
- Is Toyota Financial Savings Bank safe?
- Latest call report
- Q2 2026, FFIEC 041 · Toyota Financial Savings Bank Q3 2026 call report, filed October 22, 2026 (preliminary)
- Asset rank in state
- 1st of 14 in Nevada
Toyota Financial Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $16.8 billion at June 30, 2026, up 42.7% from a year earlier; it is based in Henderson, Nevada. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.34 for the 124 banks with $10 billion to $100 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $13 million, 48% above the same quarter a year earlier. Over the same year, loans grew 59.4% and deposits grew 40.1%. Its margin is thin by comparison: it keeps 1.01 cents of net interest income on every dollar of earning assets, a small fraction of the median of 3.63 cents for banks its size.
As of June 30, 2026, Toyota Financial Savings Bank reported a CET1 capital ratio of 14.40%, a return on assets of 0.33%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Toyota Financial Savings Bank is the largest of the 14 banks headquartered in Nevada. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.3% to $16.79B, loans rose 10.4% and deposits rose 5.1%. Auto loans made up 52.3% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.0%. Its one office in the FDIC Summary of Deposits is in Henderson, NV. On its Q2 2026 call report, Toyota Financial Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2485 Village View Dr, Henderson, NV 89074
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 16, 2004
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 222
- Domestic deposits
- $14.28B
- Allowance for credit losses
- $107.0M
- Net charge-offs (YTD)
- $8.4M
- Average total assets
- $16.19B
- Average total loans
- $8.86B
- Average interest-bearing deposits
- $13.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 16, 2004
- FDIC Cert
- 57542
- Fed RSSD
- 3287660
- Website
- www.toyotabank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Toyota Financial Savings Bank's total assets ran between $5.47B (Q3 2023) and $16.79B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$16.79B total assets against $11.76B; $15.07B total liabilities against $10.89B.
$9.17B net loans and leases against $5.78B; $14.28B total deposits against $10.19B.
$2.76B securities against $3.38B; $1.02B cash and balances due against $1.21B.
$162.4M total interest income against $117.5M; $130.0M total interest expense against $84.6M.
$32.4M net interest income against $32.9M.
$183.4M total noninterest income against $51.6M; $167.8M total noninterest expense against $55.8M.
$31.4M provision for credit losses against $15.8M.
$13.5M net income against $9.1M.
0.33% return on assets against 0.34%; 1.01% net interest margin against 1.35%.
14.40% CET1 capital ratio against 14.54%; 11.06% tier 1 leverage ratio against 8.84%.
Inside the full Toyota Financial Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeToyota Financial Savings Bank rankings
Its closest position to the top of a national ranking is 115 of 4,196, for total assets; its furthest is 3,377 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q1 2025) to 0.53% (Q4 2024) and its net interest margin ran from 0.95% (Q4 2025) to 1.35% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.40% | 0.33% | 0.20% | 1.04% | 1.01% |
| Q1 2026 | 16.21% | 0.45% | 0.16% | 0.77% | 0.98% |
| Q4 2025 | 15.74% | 0.28% | 0.12% | 0.58% | 0.95% |
| Q3 2025 | 15.67% | 0.35% | 0.08% | 0.43% | 1.23% |
| Q2 2025 | 14.54% | 0.34% | 0.02% | 0.11% | 1.35% |
| Q1 2025 | 20.18% | 0.21% | 0.00% | 0.00% | 1.27% |
| Q4 2024 | 27.26% | 0.53% | 0.00% | 0.00% | 1.12% |
| Q3 2024 | 28.96% | 0.44% | 0.00% | 0.00% | 1.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Toyota Financial Savings Bank (main office) | Henderson , NV | 89074 | $14.28B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 12.3% of deposits in NV, rank 3 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Toyota Financial Savings Bank
What are Toyota Financial Savings Bank's total assets?
As of the Q2 2026 filing, Toyota Financial Savings Bank reported total assets of $16.79 billion in its FFIEC call report.
Where is Toyota Financial Savings Bank headquartered?
It is headquartered in Henderson, NV, United States.
When was Toyota Financial Savings Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Toyota Financial Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Toyota Financial Savings Bank?
Toyota Financial Savings Bank's primary federal regulator is the FDIC.
What is Toyota Financial Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Toyota Financial Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Toyota Financial Savings Bank's Texas Ratio?
Its Texas Ratio is 1.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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