Toyota Financial Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Risk-weighted assets: 13.4% higher than in Q1 2026, at $12.44B. Toyota Financial Savings Bank has the 2nd lowest CET1 ratio of the 7 banks headquartered in Nevada, at 14.40% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Toyota Financial Savings Bank sits 1.44 points higher, at 14.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.40% |
| Tier 1 risk-based capital ratio | 14.40% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 11.06% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.79B |
| Tier 1 capital | $1.79B |
| Total risk-based capital | $1.90B |
| Total equity capital | $1.71B |
| Risk-weighted assets | $12.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.21% |
| Tangible equity to tangible assets | 10.21% |
| Equity capital to average assets | 10.59% |
| Internal capital growth rate | 3.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.62B |
| Retained earnings | $170.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$76.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 41.92% | 41.92% | 42.46% | 16.07% | $2.15B |
| Q4 2023 | 37.21% | 37.21% | 37.63% | 15.92% | $2.44B |
| Q1 2024 | 33.15% | 33.15% | 33.57% | 15.30% | $2.75B |
| Q2 2024 | 29.10% | 29.10% | 29.58% | 14.94% | $3.17B |
| Q3 2024 | 28.96% | 28.96% | 29.53% | 13.23% | $3.21B |
| Q4 2024 | 27.26% | 27.26% | 27.76% | 13.02% | $3.44B |
| Q1 2025 | 20.18% | 20.18% | 20.72% | 11.59% | $4.67B |
| Q2 2025 | 14.54% | 14.54% | 15.17% | 8.84% | $6.55B |
| Q3 2025 | 15.67% | 15.67% | 16.34% | 10.52% | $8.35B |
| Q4 2025 | 15.74% | 15.74% | 16.47% | 10.42% | $9.71B |
| Q1 2026 | 16.21% | 16.21% | 16.94% | 11.06% | $10.96B |
| Q2 2026 | 14.40% | 14.40% | 15.26% | 11.06% | $12.44B |
Toyota Financial Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Toyota Financial Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Toyota Financial Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57542) · FFIEC NIC profile (RSSD 3287660)