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Toyota Financial Savings Bank
Henderson, NV·FDIC Cert #57542·Charter: STATE·Est. 20040816.0
Total Assets
$15.4B
Q4 2025
Return on Assets
0.30%
-0.01%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
73.28%
Peer avg: 54.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.30%-0.01
ROE
3.28%-0.13
Efficiency
73.28%+4.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.12%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
57.69%+1.73
Charge-offs
0.07%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.5 | 0.5 | 0.2 | 0.3 | 0.3 | 0.3 |
| ROE | 2.8 | 3.5 | 3.6 | 3.9 | 2.0 | 3.1 | 3.4 | 3.3 |
| Efficiency | 52.0 | 43.3 | 44.0 | 44.1 | 58.9 | 64.0 | 69.1 | 73.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | — | — | 0.0 | 0.0 | 0.1 | 0.1 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 69.9 | 73.5 | 67.2 | 67.9 | 61.6 | 56.7 | 56.0 | 57.7 |
Balance Sheet
Total Assets$15.4B
Total Deposits$13.2B
Total Loans$7.6B
Total Equity$1.5B
Profitability
ROA0.30%
ROE3.28%
Efficiency Ratio73.28%
Net Income$34.6M
Risk & Asset Quality
NPL Ratio0.12%
Charge-off Rate0.07%
Loan/Deposit57.69%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans