Toyota Financial Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on securities fell 0.43 percentage points from Q1 2026 to Q2 2026, ending at 3.03% against 3.46%. It was the largest change among the key lines on this page. On net interest margin, Toyota Financial Savings Bank is 1st from the bottom among 14 Nevada banks, 1.01% (Q2 2026). Against a median of 3.60% for banks in the $10B-100B asset tier, Toyota Financial Savings Bank reported 1.01% on net interest margin in Q2 2026, 2.59 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.63% |
| Cost of interest-bearing deposits | 3.57% |
| Cost of interest-bearing liabilities | 3.58% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.01% |
| Yield to cost spread | 1.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $129.3M |
| Total interest expense | $130.0M |
| Interest expense on deposits | $124.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 3.56% | 3.28% | 0.80% |
| Q4 2023 | 3.84% | 3.40% | 0.99% |
| Q1 2024 | 4.00% | 3.47% | 1.16% |
| Q2 2024 | 4.49% | 3.52% | 1.48% |
| Q3 2024 | 4.57% | 3.84% | 1.28% |
| Q4 2024 | 4.41% | 3.85% | 1.12% |
| Q1 2025 | 4.46% | 3.57% | 1.27% |
| Q2 2025 | 4.82% | 3.49% | 1.35% |
| Q3 2025 | 5.04% | 3.67% | 1.23% |
| Q4 2025 | 4.95% | 3.72% | 0.95% |
| Q1 2026 | 4.83% | 3.55% | 0.98% |
| Q2 2026 | 5.04% | 3.63% | 1.01% |
Toyota Financial Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Toyota Financial Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)