Toyota Financial Savings Bank
Toyota Financial Savings Bank reported total assets of $16.8 bn at Q2 2026, up 42.7% on a year earlier, the 116th largest of 497 banks in our US coverage. The CET1 capital ratio at Toyota Financial Savings Bank was 14.40%, and the uninsured share of Toyota Financial Savings Bank was 16.31%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Toyota Financial Savings Bank slipped from 364th to 478th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Toyota Financial Savings Bank reports one of the lowest net interest margin readings among banks of $10 bn to $100 bn: 1.01% at , where the median of the 126 banks is 3.62% (FDIC Call Reports).
- At 80.32%, the efficiency ratio of Toyota Financial Savings Bank sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 55.14% (FDIC Call Reports).
What sets Toyota Financial Savings Bank apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower return on assets (ROA) than Toyota Financial Savings Bank, at 0.39% in ; the group median is 1.25%.
- Toyota Financial Savings Bank reports one of the lowest return on equity (ROE) readings among banks of $10 bn to $100 bn: 3.88% at , where the median of the 126 banks is 10.71%.
- Over the year to , the bank equity capital of Toyota Financial Savings Bank rose by 95.9% to $1.7 bn, a bigger rise than at 99% of covered banks.
How large is Toyota Financial Savings Bank?
The balance sheet of Toyota Financial Savings Bank at : assets $16.8 bn, deposits $14.3 bn, net loans $9.2 bn (loans equal to 64.22% of deposits). Securities make up 16.4% of total assets at Toyota Financial Savings Bank. Since , when Toyota Financial Savings Bank held $883.3 mn, its assets grew 1,800.3%. In the year to , deposits at Toyota Financial Savings Bank rose 40.1% while its total assets rose 42.7%. At , Toyota Financial Savings Bank employed 222 full-time equivalent staff across 1 office, about $75.6 mn of assets per employee and $14.3 bn of deposits per office.
How much funding at Toyota Financial Savings Bank is uninsured?
At Toyota Financial Savings Bank, uninsured deposits (above the FDIC limit) made up 16.31% of domestic deposits at (-6.79 pp on a year earlier); Toyota Financial Savings Bank ranks 444th of 500 on this measure. In dollars, Toyota Financial Savings Bank estimated $2.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $14.3 bn | +40.1% | 117th of 499 |
| Net loans and leases | $9.2 bn | +58.7% | 135th of 500 |
| Loan-to-deposit ratio | 64.22% | +7.53 pp | 443rd of 500 |
| Tier 1 leverage ratio | 11.06% | +2.22 pp | 165th of 500 |
| Total risk-based capital ratio | 15.26% | +0.09 pp | 154th of 448 |
| Net interest margin | 1.01% | -0.33 pp | 496th of 500 |
| Return on assets (ROA) | 0.39% | +0.11 pp | 478th of 500 |
| Efficiency ratio | 80.32% | +16.31 pp | 478th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $101.3 mn | Narrowed by $1.7 mn | |
| Noncurrent loans to total loans | 0.20% | +0.19 pp | 66th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | +0.19 pp | 347th of 500 (1 = lowest) |
US rank of Toyota Financial Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Toyota Financial Savings Bank: assets, deposits and loans
- Total assets $16.8bn
- Deposits $14.3bn
- Net loans $9.2bn
Capital and securities
The CET1 ratio of Toyota Financial Savings Bank stood at 14.40% in , -0.14 pp year on year. Low and high at Toyota Financial Savings Bank since : 14.40% () to 103.62% (). Equity capital of Toyota Financial Savings Bank at : $1.7 bn, or 10.2% of total assets. Toyota Financial Savings Bank also reported a total capital ratio of 15.26% for , and a tier 1 leverage ratio of 11.06%.
The available-for-sale portfolio of Toyota Financial Savings Bank showed an unrealized loss of $101.3 mn at ; the loss narrowed by $1.7 mn over the year.
Toyota Financial Savings Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Toyota Financial Savings Bank: unrealized securities gains and losses
- Available for sale -$101mn
- Held to maturity $0
Profitability and loan quality
For the year to , Toyota Financial Savings Bank earned a return on equity of 3.88%; return on assets: 0.39%. Net interest margin at Toyota Financial Savings Bank: 1.01%, -0.33 pp in a year. Toyota Financial Savings Bank net income: $31.6 mn, up 136.2% year on year. The efficiency ratio of Toyota Financial Savings Bank was 80.32%: about 80 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.20% of total loans at Toyota Financial Savings Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at Toyota Financial Savings Bank: $9.3 bn, up 59.4% in a year.
Toyota Financial Savings Bank: profitability
- Return on equity 3.9%
- Net interest margin 1.0%
- Return on assets 0.4%
Peer group of Toyota Financial Savings Bank
The peer group of Toyota Financial Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Toyota Financial Savings Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Nevada. Against them, Toyota Financial Savings Bank shows CET1 ratio 14.40% against a peer median of 12.18%, return on equity 3.88% against a peer median of 11.16% and uninsured deposit share 16.31% against a peer median of 33.16%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Community Bank | National bank | NY | $17.4 bn | 11.72% | 12.54% | 31.51% | |
| Enterprise Bank & Trust | State member bank | MO | $17.4 bn | 12.07% | 9.48% | 33.83% | |
| Northwest Bank | State-chartered stock savings bank | PA | $17.2 bn | 12.79% | 11.35% | 27.43% | |
| Toyota Financial Savings Bank | State nonmember bank | NV | $16.8 bn | 14.40% | 3.88% | 16.31% | |
| FirstBank | State member bank | TN | $16.8 bn | 11.29% | 12.13% | 42.74% | |
| First United Bank and Trust Company | State member bank | OK | $16.6 bn | 12.28% | 9.48% | 36.50% | |
| Banner Bank | State nonmember bank | WA | $16.6 bn | 12.71% | 10.97% | 32.49% | |
. FDIC Call Reports.
Last eight quarters
Two years at Toyota Financial Savings Bank, to : assets +141.8%, deposits +160.8%, equity +99.9%. Staff 118 to 222.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.9 bn | $7.2 bn | $9.2 bn | $11.8 bn | $13.9 bn | $15.4 bn | $16.1 bn | $16.8 bn |
| Total deposits | $5.5 bn | $5.8 bn | $7.6 bn | $10.2 bn | $11.9 bn | $13.2 bn | $13.6 bn | $14.3 bn |
| Bank equity capital | $857.3 mn | $836.5 mn | $858.4 mn | $874.6 mn | $1.2 bn | $1.5 bn | $1.7 bn | $1.7 bn |
| CET1 ratio | 28.96% | 27.26% | 20.18% | 14.54% | 15.67% | 15.74% | 16.21% | 14.40% |
| Return on equity (ROE) | 3.58% | 3.85% | 2.01% | 3.12% | 3.41% | 3.28% | 4.56% | 3.88% |
| Uninsured share of domestic deposits | 18.57% | 17.57% | 31.52% | 23.09% | 17.46% | 14.01% | 17.08% | 16.31% |
| Full-time equivalent employees | 118 | 118 | 116 | 210 | 219 | 222 | 223 | 222 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Toyota Financial Savings Bank
- Total assets at Toyota Financial Savings Bank changed by +55.6% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at Toyota Financial Savings Bank changed by +27.5% in the quarter to 2021-03-31, with no FDIC structure event in that quarter.
- Total assets at Toyota Financial Savings Bank changed by +34.1% in the quarter to 2021-09-30, with no FDIC structure event in that quarter.
- Total assets at Toyota Financial Savings Bank changed by +27.4% in the quarter to 2025-03-31, with no FDIC structure event in that quarter.
- Total assets at Toyota Financial Savings Bank changed by +28.2% in the quarter to 2025-06-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Toyota Financial Savings Bank?
Toyota Financial Savings Bank reported $16.8 bn at in its Call Report. That makes Toyota Financial Savings Bank the 116th largest of 497 banks in our US coverage.
Is Toyota Financial Savings Bank profitable?
Toyota Financial Savings Bank reported net income of $31.6 mn for the year to ; annualized return on equity: 3.88%. So yes: Toyota Financial Savings Bank made a profit over these months.
When is data for Toyota Financial Savings Bank next updated?
Figures from Toyota Financial Savings Bank for are due after .
Where can I check the figures for Toyota Financial Savings Bank?
In the FDIC BankFind Suite record for certificate 57542, and in the Call Reports of Toyota Financial Savings Bank (RSSD ID 3287660) at the FFIEC Central Data Repository.