Toyota Financial Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.87 percentage points lower than in Q1 2026, at 564.23%. On return on assets, Toyota Financial Savings Bank is 2nd from the bottom among 14 Nevada banks, 0.33% (Q2 2026). Toyota Financial Savings Bank's return on assets of 0.33% is well below the 1.30% median for banks in the $10B-100B asset tier, a gap of 0.96 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.40% |
| Tier 1 risk-based capital ratio | 14.40% |
| Total risk-based capital ratio | 15.26% |
| Tier 1 leverage ratio | 11.06% |
| Equity capital to assets | 10.21% |
| Tangible equity to tangible assets | 10.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 1.04% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 564.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 3.16% |
| Net interest margin | 1.01% |
| Efficiency ratio | 77.72% |
| Yield on earning assets | 5.04% |
| Cost of funds | 3.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.97% |
| Core deposits to total deposits | 16.81% |
| Brokered deposits to total deposits | 78.88% |
| Deposits to assets | 85.07% |
| Securities to assets | 16.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 41.92% | 41.92% | 42.46% | 16.07% | 0.20% |
| Q4 2023 | 37.21% | 37.21% | 37.63% | 15.92% | 0.37% |
| Q1 2024 | 33.15% | 33.15% | 33.57% | 15.30% | 0.37% |
| Q2 2024 | 29.10% | 29.10% | 29.58% | 14.94% | 0.56% |
| Q3 2024 | 28.96% | 28.96% | 29.53% | 13.23% | 0.44% |
| Q4 2024 | 27.26% | 27.26% | 27.76% | 13.02% | 0.53% |
| Q1 2025 | 20.18% | 20.18% | 20.72% | 11.59% | 0.21% |
| Q2 2025 | 14.54% | 14.54% | 15.17% | 8.84% | 0.34% |
| Q3 2025 | 15.67% | 15.67% | 16.34% | 10.52% | 0.35% |
| Q4 2025 | 15.74% | 15.74% | 16.47% | 10.42% | 0.28% |
| Q1 2026 | 16.21% | 16.21% | 16.94% | 11.06% | 0.45% |
| Q2 2026 | 14.40% | 14.40% | 15.26% | 11.06% | 0.33% |
Toyota Financial Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Toyota Financial Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)