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Toyota Financial Savings Bank

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

Henderson, NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in NV.
  • Deposits +40.1% year over year ($14.3B on the books).
  • Delinquency rate 0.21%.
  • Return on assets 0.39%.
  • Efficiency ratio 80.32% vs a 53.67% peer average.
  • Loan-to-deposit ratio 64.22% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in NV
View $10B-$250B leaderboard (NV) →

Toyota Financial Savings Bank has 2 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 20.0% in tier
  • + Non-Interest Income / Assets 1.48% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 34.3% in tier
  • - Return on Assets 1.00% below tier average
  • - Net Interest Margin 2.91% below tier average
  • - Non-Interest-Bearing Deposit Share 20.58% below tier average
Get updates when Toyota Financial Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $16.8B
+42.7% YoY +4.3% QoQ
-$26.8B $43.6B
-13.8% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $9.2B
+58.7% YoY +10.2% QoQ
-$18.8B $28.0B
-8.6% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $14.3B
+40.1% YoY +5.1% QoQ
-$21.1B $35.4B
-14.0% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 0.39%
+37.5% YoY -14.6% QoQ
-1.00% 1.39%
+25.9% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
Bottom 3.6% in tier
Net Interest Margin ? 1.01%
-24.5% YoY -0.4% QoQ
-2.91% 3.92%
+8.9% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
Bottom 0.7% in tier
Efficiency Ratio ? 80.32%
+25.5% YoY -3.7% QoQ
+26.64% 53.67%
-1.9% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
Bottom 2.2% in tier
Delinquency Rate ? 0.21%
+24.5% QoQ
-0.81% 1.01%
-2.8% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
Top 8.7% in tier
Loan-to-Deposit Ratio ? 64.22%
+13.3% YoY +4.9% QoQ
-18.39% 82.61%
+3.1% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
Top 11.5% in tier
Non-Interest-Bearing Deposit Share ? 0.00%
-100.0% YoY
-20.58% 20.58%
+4.9% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Bottom 2.2% in tier
Nonperforming Asset Ratio ? 0.11%
+31.3% QoQ
-0.62% 0.73%
+5.8% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
Top 10.1% in tier
Tier 1 Capital Ratio ? 14.40%
-1.0% YoY -11.2% QoQ
-0.95% 15.35%
-0.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 1.97%
+284.0% YoY +114.7% QoQ
+1.48% 0.50%
+10.5% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
Top 1.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Noninterest-Bearing n/a n/a 21.0% 25.5% 22.2% n/a
Brokered Deposits 78.9%
+9.8pp YoY
+1.3pp QoQ
 +69.7pp 9.2% 31.0% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I 18.1%
-7.0pp YoY
-1.1pp QoQ
 +0.9pp 17.2% 22.5% 12.5% 60%
CRE n/a n/a 42.0% 68.4% 41.4% n/a
1-4 Family 19.2%
-9.7pp YoY
-1.6pp QoQ
 -3.9pp 23.1% 12.7% 31.3% 41%
Consumer 52.9%
+23.2pp YoY
+4.2pp QoQ
 +40.0pp 12.9% 31.5% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio 14.4%
-0.1pp YoY
-1.8pp QoQ
 -0.9pp 15.3% 29.4% 19.7% 70%
Leverage Ratio 11.1%
+2.2pp YoY
0.0pp QoQ
 +0.6pp 10.4% 16.3% 12.6% 75%
Total Capital Ratio 15.3%
+0.1pp YoY
-1.7pp QoQ
 -1.3pp 16.5% 30.3% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 222
+12 (+5.7%) YoY
-1 (-0.4%) QoQ
 -3,036 3,258 177 482 5%
Assets per Employee ($) $75.6M
+35.0% YoY
+4.7% QoQ
 +$48.6M $27.0M $17.0M $8.8M 91%
Branch Count 1
0 YoY
0 QoQ
 -137 137 2 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.9% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.5pp 0.7% 1.0% 1.0% 12%
Allowance Coverage 5.64x
-86.0% YoY
-2.4% QoQ
 +2.83x 2.81x 4.66x 20.23x 95%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 0.4% 1.2% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 3.9%
+0.8pp YoY
-0.7pp QoQ
 -8.8pp 12.6% 17.9% 11.6% 4%
Cost of Funds (YTD) 4.0%
+0.6pp YoY
0.0pp QoQ
 +2.1pp 2.0% 2.0% 1.7% 99%
Net Income ($, YTD) $31.6M
+136.2% YoY
— QoQ
 -$265.2M $296.8M $65.7M $40.4M 3%

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
#8 of 35 • Top 20.0% in tier

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

Why this signature
Delinquency Rate: 0.21%
(Tier: 1.01%, National: 0.98%)
better than tier avg
35 of 35 Large banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Efficiency Drag

risk
#1 of 4 • Bottom 0.1% in tier

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

Why this signature
Efficiency Ratio: 80.32%
(Tier: 53.67%, National: 70.05%)
worse than tier avg
4 of 4 Large banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#24 of 67 • Bottom 34.3% in tier

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

Why this signature
Delinquency Rate: 0.21%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

3
Non-Interest Income / Assets
revenue_mix
Value: 1.97%
Peer Median: 0.50%
#3 of 139 Top 1.4% in $10B-$250B
13
Delinquency Rate
credit_quality
Value: 0.21%
Peer Median: 1.01%
#13 of 138 Top 8.7% in $10B-$250B
15
Nonperforming Asset Ratio
credit_quality
Value: 0.11%
Peer Median: 0.73%
#15 of 139 Top 10.1% in $10B-$250B
17
Loan-to-Deposit Ratio
liquidity
Value: 64.22%
Peer Median: 82.61%
#17 of 139 Top 11.5% in $10B-$250B

Top Weaknesses (5 metrics)

139
Net Interest Margin
profitability
Value: 1.01%
Peer Median: 3.92%
#139 of 139 Bottom 0.7% in $10B-$250B
137
Non-Interest-Bearing Deposit Share
funding
Value: 0.00%
Peer Median: 20.58%
#137 of 139 Bottom 2.2% in $10B-$250B
137
Efficiency Ratio
profitability
Value: 80.32%
Peer Median: 53.67%
#137 of 139 Bottom 2.2% in $10B-$250B
135
Return on Assets
profitability
Value: 0.39%
Peer Median: 1.39%
#135 of 139 Bottom 3.6% in $10B-$250B
117
Total Loans
size
Value: $9.17B
Peer Median: $27.97B
#117 of 139 Bottom 16.5% in $10B-$250B
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