Toyota Financial Savings Bank
Henderson, NV·RSSD 3287660·FDIC 57542·bank:3287660·Risk-based ratios where reported
- #1 of 16Total assets in Nevada
- Top 3%Total assets in the U.S.
- 1offices
- 222employees
- Top 1%Loan growth in the U.S.
- Top 2%Deposit growth in the U.S.
- Top 4%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Toyota Financial Savings Bank
9 of 24 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter1.01%peers 3.75%-274 bps
Toyota Financial Savings Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 1.01% | 3.75% | -274 bps |
| Cost of all deposits | ||
| 3.58% | 1.86% | +173 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile. How signals work
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.58%peers 1.86%+173 bps
Toyota Financial Savings Bank's cost of all deposits was 3.58%, compared with a median of 1.86% among 106 similar banks: higher than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.58% | 1.86% | +173 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital11.06%peers 10.33%+0.7 pp
Toyota Financial Savings Bank's leverage ratio rose 2.2 percentage points over the past year to 11.06%. Among 111 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.06% | 10.33% | +0.7 pp |
| 12-month change | ||
| +2.2 pp | 0.0 pp | +2.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity65.0%+7.9 pp in 12 months
Toyota Financial Savings Bank's loans rose to 65.0% of deposits, 7.9 percentage points higher than a year earlier, while cash fell to 6.1% of assets. The median change in the loan-to-deposit ratio among 110 similar banks was +0.4 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 65.0% | +7.9 pp in 12 months |
| Cash / assets | |
| 6.1% | -4.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+59.4%peers +5.8%+53.6 pp
Toyota Financial Savings Bank's loans grew 59.4% over the past year to $9.3 billion. The median among 109 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +59.4% | +5.8% | +53.6 pp |
| Loans | ||
| $9.3 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Fee and other noninterest income among the highest of similar banksEarnings
- Net interest margin narrowing while the peer median widensEarnings
- Deposit costs rising while the peer median fallsFunding
- Deposits growing faster than peersFunding
Key facts
- Toyota Financial Savings Bank is a bank headquartered in Henderson, Nevada. It reported $16.8 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $14.3 billion, up 40.1% from a year earlier, and loans totaled $9.3 billion, up 59.4%.
- Its net interest margin was 1.01% and its annualized return on assets was 0.33% for the quarter.
- Its cost of all deposits was 3.58%, compared with a median of 1.86% among 106 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Toyota Financial Savings Bank's own data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Toyota Financial Savings Bank · Bank
- Federal Reserve RSSD
- 3287660
- FDIC certificate
- 57542
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Toyota Financial Savings Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $13.5M | — | |
| $162.41M | — | |
| $129.98M | — | |
| $32.43M | — | |
| $183.39M | — | |
| $167.79M | — | |
| $31.12M | — | |
| $31.38M | — | |
| 0.33% | 0.33%ROAQ · Quarter | |
| 1.01% | 1.01%NIMYQ · Quarter | |
| 77.75% | 77.75%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.