Toyota Financial Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio climbed 3.15 percentage points in Q2 2026, from 61.82% to 64.97%. It was the largest change from Q1 2026 among the key lines here. Toyota Financial Savings Bank ranks 10th of 14 Nevada banks on loan-to-deposit ratio, in the lower half at 64.97% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Toyota Financial Savings Bank sits 21.86 points lower, at 64.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.02B |
| Cash and noninterest-bearing balances to assets | 6.10% |
| Cash and securities | $3.78B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $575.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.43% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.97% |
| Net loans and leases to deposits | 64.22% |
| Loans and leases to core deposits | 67.90% |
| Core deposits to total deposits | 16.81% |
| Brokered deposits to total deposits | 78.88% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 62.55% | 37.90% | $0 | $575.0M |
| Q4 2023 | 68.69% | 35.35% | $0 | $575.0M |
| Q1 2024 | 70.19% | 31.89% | $0 | $575.0M |
| Q2 2024 | 73.75% | 26.69% | $0 | $575.0M |
| Q3 2024 | 67.55% | 22.95% | $0 | $575.0M |
| Q4 2024 | 68.16% | 21.72% | $0 | $575.0M |
| Q1 2025 | 61.97% | 33.76% | $0 | $602.9M |
| Q2 2025 | 57.09% | 24.68% | $0 | $575.0M |
| Q3 2025 | 56.44% | 18.01% | $0 | $575.0M |
| Q4 2025 | 58.23% | 14.80% | $0 | $575.0M |
| Q1 2026 | 61.82% | 17.80% | $0 | $575.0M |
| Q2 2026 | 64.97% | 16.81% | $0 | $575.0M |
Toyota Financial Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Toyota Financial Savings Bank, freeSource: Call Report Schedules RC and RC-M, 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)