Toyota Financial Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Consumer climbed 4.04 percentage points in Q2 2026, from 48.23% to 52.27%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.28B |
| Net loans and leases | $9.17B |
| Loans held for sale | $0 |
| Loans to total assets | 55.27% |
| Loan-to-deposit ratio | 64.97% |
| Net loans to equity capital | 5.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.62% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.86% |
| Consumer | 52.27% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.29% |
| Construction concentration (Tier 1 capital + allowance) | 1.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $129.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.58B | $4.12B | 22.89% | 17.28% | 0.04% |
| Q4 2023 | $2.89B | $4.20B | 20.95% | 25.27% | 0.01% |
| Q1 2024 | $3.20B | $4.57B | 23.87% | 27.39% | 0.01% |
| Q2 2024 | $3.63B | $4.92B | 23.35% | 31.94% | 0.00% |
| Q3 2024 | $3.70B | $5.48B | 23.44% | 32.10% | 0.00% |
| Q4 2024 | $3.92B | $5.75B | 22.90% | 34.18% | 0.50% |
| Q1 2025 | $4.71B | $7.60B | 19.47% | 30.83% | 13.85% |
| Q2 2025 | $5.82B | $10.19B | 15.58% | 24.90% | 29.52% |
| Q3 2025 | $6.73B | $11.93B | 14.15% | 20.18% | 39.67% |
| Q4 2025 | $7.69B | $13.21B | 12.60% | 19.61% | 44.70% |
| Q1 2026 | $8.40B | $13.59B | 11.93% | 18.98% | 48.23% |
| Q2 2026 | $9.28B | $14.28B | 10.62% | 17.86% | 52.27% |
Toyota Financial Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Toyota Financial Savings Bank, freeSource: Call Report Schedule RC-C, 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)