Total Assets
$15.4B
Total balance-sheet footings
FDIC Cert #57542 · Henderson, Nevada · Est. 2004
Toyota Financial Savings Bank - FDIC Bank Health Profile
A community-scale look at Toyota Financial Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.4B
- Total assets
- B
- Health grade · Good
- 0.30%
- Return on assets
- 15.7%
- Tier 1 capital
Data updated July 2026
The verdict
Toyota Financial Savings Bank earns a PlainBankData health grade of B (71/100), with well-capitalized at 15.74% Tier 1, 0.30% ROA, 73% efficiency ratio.
- #124
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 15.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Toyota Financial Savings Bank's 71/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Toyota Financial Savings Bank's composite health score
Tier 1 Capital Ratio (15.74%) 40/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (0.58%) 20/20
Efficiency Ratio (73.28%) 4/15
71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.2B
Customer-funded liabilities
Net Loans
$7.6B
Outstanding loan book
Net Income
$35M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Toyota Financial Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Toyota Financial Savings Bank's score of 71/100 falls in the highlighted band.
Toyota Financial Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Toyota Financial Savings Bank's $15.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.74%
Texas Ratio
0.58%
Equity Capital
$1.5B
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
3.28%
Efficiency Ratio
73.28%
What the numbers say about Toyota Financial Savings Bank
Toyota Financial Savings Bank is an FDIC-insured institution (Certificate #57542) headquartered in Henderson, Nevada, established in 2004. It holds $15.4B in total assets - 124th of 4,313 FDIC-insured banks, $13.2B in customer deposits, and $7.6B in net loans. Looking at capital strength, Tier 1 stands at 15.74%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.58%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (71/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Toyota Financial Savings Bank's asset base places it among the largest FDIC-insured institutions in the country, 124th of 4,313 nationally, and 1st of 15 banks headquartered in Nevada. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$490M
Interest Income
$272M
Non-Interest Income
$287M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Toyota Financial Savings Bank reports a Texas Ratio of 0.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
National size peers: banks closest to Toyota Financial Savings Bank by assets
Toyota Financial Savings Bank is closely matched in total assets by First Financial Bank, Bank of America California, Dime Community Bank, Citizens Business Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.98%, versus Toyota Financial Savings Bank's own 0.30%; the average efficiency ratio is 52.09%, versus 73.28% here; and average Tier 1 capital sits at 18.22%, versus 15.74% at Toyota Financial Savings Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $15.4B in assets, Toyota Financial Savings Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Toyota Financial Savings Bank (this bank) | NV | $15.4B | 0.30% | 73.28% | 15.74% |
| First Financial Bank | TX | $15.4B | 1.64% | 45.67% | 18.18% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Dime Community Bank | NY | $15.3B | 0.87% | 53.42% | 14.40% |
| Citizens Business Bank, National Association | CA | $15.6B | 1.39% | 42.42% | 15.66% |
| Popular Bank | NY | $15.1B | 0.60% | 62.61% | 13.79% |
| Live Oak Banking Company | NC | $15.1B | 0.82% | 56.12% | 10.46% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Toyota Financial Savings Bank (FDIC Cert #57542) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Beal Bank USALas Vegas | $14.5B | A | 0.63% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |
| Lexicon BankLas Vegas | $433M | A | 1.12% |
Frequently asked questions
What is Toyota Financial Savings Bank's health grade?▼
Toyota Financial Savings Bank receives a health grade of B (71/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Toyota Financial Savings Bank?▼
Toyota Financial Savings Bank holds $15.4B in total assets and $13.2B in deposits, ranking 124th of 4,313 FDIC-insured banks by asset size. It is headquartered in Henderson, Nevada.
Is my money safe at Toyota Financial Savings Bank?▼
Yes, deposits at Toyota Financial Savings Bank (Certificate #57542) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Toyota Financial Savings Bank's Tier 1 Capital Ratio?▼
Toyota Financial Savings Bank has a Tier 1 Capital Ratio of 15.74%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Toyota Financial Savings Bank?▼
Toyota Financial Savings Bank has a Texas Ratio of 0.58%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Toyota Financial Savings Bank?▼
Toyota Financial Savings Bank has an Efficiency Ratio of 73.28%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Toyota Financial Savings Bank's profile as a depositor or analyst.
- Toyota Financial Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Toyota Financial Savings Bank against other Nevada banks before moving funds. Nevada banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.