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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57542 · NV B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2911/4307
  • PHOTO-FINISH BankUnited, National… · FL
  • TIER1-WELL 15.7% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.30% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nevada: BankUnited, National Association, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Toyota Financial Savings Bank

Lowest and highest poles plus nearest scored peers outside Nevada, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankUnited, National… · FL ·…71/100Integro Bank · AZ · near71/100Loyal Trust Bank · GA · near71/100Lusitania Savings Bank · NJ …71/100Toyota Financial Sav… · NV ·…71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Toyota Financial Savings Bank · July 2026

Call Report read for Toyota Financial Savings Bank in a high-failure state

Toyota Financial Savings Bank (FDIC Cert #57542) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,911 of 4,307. Tier 1 capital prints at 15.74%, clearing the 10% well-capitalized line. The Texas Ratio is 0.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.30%. Balance-sheet scale is $15.4B, 124th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is BankUnited, National Association (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Toyota Financial Savings Bank

12 FAILURE resolutions in Nevada since 2000, heavy vs the state corpus

Toyota Financial Savings Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Toyota Financial Savings Bank's current Call Report.

  • 1st COMMERCE BANK NORTH LAS VEGAS, NV 2013 → PLAZA BANK
  • NEVADA COMMERCE BANK LAS VEGAS, NV 2011 → CITY NATIONAL BANK
  • SOUTHWESTUSA BANK LAS VEGAS, NV 2010 → PLAZA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nevada banks.

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.

0/100100/100National avg77/10071/100
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 Assets

$15.4B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.34% 15.74% 17.14%
Basel III capital ratios - Toyota Financial Savings Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Toyota Financial Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Toyota Financial Savings Bank

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

What these ratios mean →

Profitability metrics: Toyota Financial Savings Bank

Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
3.28%
Efficiency Ratio
73.28%

What these mean →

Income & expense at Toyota Financial Savings Bank

$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.

FDIC Failed Bank List → View Toyota Financial Savings Bank on FDIC BankFind →

Top banks in Nevada by total assets

Largest banks headquartered in Nevada
  1. 1
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  2. 2
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  3. 3
    Wells Fargo National Bank West $9.0B

    Las Vegas, NV · Grade A

  4. 4
    Credit One Bank $2.0B

    Las Vegas, NV · Grade A

  5. 5
    Meadows Bank $1.4B

    Las Vegas, NV · Grade A

Top 5 banks in Nevada ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Toyota Financial Savings Bank nationally by total assets
  1. 1
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  2. 2
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  3. 3
    Dime Community Bank $15.3B

    Hauppauge, NY · Grade A

  4. 4
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

  5. 5
    Popular Bank $15.1B

    New York, NY · Grade B

  6. 6
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.4B here), outside Nevada so the neighborhood is not state containment.

First Financial Bank $15.4B · TX Bank of America California $15.5B · CA Dime Community Bank $15.3B · NY Citizens Business Bank $15.6B · CA

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.

Toyota Financial Savings Bank Call Report profile · FDIC Failed Bank List · Nevada FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nevada

All Nevada banks →
BankAssetsGradeROA
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%