BlastPoint's Banking Scorecard

Toyota Financial Savings Bank

$10B-$250B Specialty: Other NV FDIC cert 57542

Henderson, NV

137 banks in the $10B-$250B peer group nationally 2 in NV

Toyota Financial Savings Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 26.5% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Non-Interest Income / Assets 0.70% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.9% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Return on Assets 0.82% below tier average
- Net Interest Margin 2.76% below tier average
- Non-Interest-Bearing Deposit Share 20.04% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$16.1B +75.6% YoY +4.3% QoQ	-$30.9B	$47.0B -1.9% YoY	$3.1B +7.5% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$8.3B +77.6% YoY +9.2% QoQ	-$21.0B	$29.4B -0.4% YoY	$1.6B +22.3% YoY	$3.2B +10.8% YoY	Bottom 13.9% in tier
Total Deposits ?	$13.6B +78.8% YoY +2.9% QoQ	-$24.8B	$38.4B -1.6% YoY	$2.1B +0.1% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	0.46% +120.4% YoY +52.5% QoQ	-0.82%	1.28% +18.7% YoY	3.24% -3.8% YoY	1.23% +13.4% YoY	Bottom 2.9% in tier
Net Interest Margin ?	1.02% -20.9% YoY -14.5% QoQ	-2.76%	3.77% +5.8% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	Bottom 0.7% in tier
Efficiency Ratio ?	83.39% +41.6% YoY +13.8% QoQ	+29.38%	54.01% -3.7% YoY	57.12% -16.3% YoY	66.95% -4.1% YoY	Bottom 1.5% in tier
Delinquency Rate ?	0.17% +41.0% QoQ	-0.85%	1.02% -3.8% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	Top 7.4% in tier
Loan-to-Deposit Ratio ?	61.23% -0.7% YoY +6.1% QoQ	-19.56%	80.79% +1.9% YoY	80.72% +7.8% YoY	76.70% +0.9% YoY	Top 10.2% in tier
Non-Interest-Bearing Deposit Share ?	0.00% -100.0% YoY	-20.04%	20.04% +0.2% YoY	22.43% -7.9% YoY	22.01% -1.2% YoY	Bottom 2.9% in tier
Nonperforming Asset Ratio ?	0.09% +44.7% QoQ	-0.64%	0.72% +4.2% YoY	0.75% -3.5% YoY	0.67% +19.3% YoY	Top 8.8% in tier
Tier 1 Capital Ratio ?	16.21% -19.7% YoY +2.9% QoQ	+0.69%	15.51% -0.4% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.92% +847.7% YoY -47.8% QoQ	+0.70%	0.22% +0.3% YoY	1.43% +2.0% YoY	0.32% +4.1% YoY	Top 0.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#10 of 34 • Top 26.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.17%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#11 of 72 • Bottom 13.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.17%

(Tier: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#3 of 4 • Bottom 50.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.39%

(Tier: 54.01%, National: 66.95%)

worse than tier avg

4 of 4 Large banks match · 492 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.92%

Peer Median: 0.22%

#2 of 137 Top 0.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.17%

Peer Median: 1.02%

#11 of 136 Top 7.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.09%

Peer Median: 0.72%

#13 of 137 Top 8.8% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 61.23%

Peer Median: 80.79%

#15 of 137 Top 10.2% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 16.21%

Peer Median: 15.51%

#23 of 137 Top 16.1% in $10B-$250B

Top Weaknesses (5 metrics)

137

Net Interest Margin

profitability

Value: 1.02%

Peer Median: 3.77%

#137 of 137 Bottom 0.7% in $10B-$250B

136

Efficiency Ratio

profitability

Value: 83.39%

Peer Median: 54.01%

#136 of 137 Bottom 1.5% in $10B-$250B

134

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 20.04%

#134 of 137 Bottom 2.9% in $10B-$250B

134

Return on Assets

profitability

Value: 0.46%

Peer Median: 1.28%

#134 of 137 Bottom 2.9% in $10B-$250B

119

Total Loans

size

Value: $8.32B

Peer Median: $29.36B

#119 of 137 Bottom 13.9% in $10B-$250B