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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Henderson, NV · FDIC certificate #57542 · RSSD 3287660
TOYOTA FINANCIAL SB is an FDIC-insured institution based in Henderson, NV (FDIC certificate #57542). In its Q3 2026 Call Report it reported total assets of $18.0B, total deposits of $15.0B and net loans of $10.2B. Its primary federal regulator is FDIC.
Plain-language readout
TOYOTA FINANCIAL SB is compared with 107 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: TOYOTA FINANCIAL SB reported 0.789, in the 99.1th percentile of 107 peers, where the median is 0.032. Common equity tier 1 ratio: TOYOTA FINANCIAL SB reported 0.144, in the 70.1th percentile of 108 peers, where the median is 0.130. Selected CRE loans to gross loans and leases: TOYOTA FINANCIAL SB reported 0.109, in the 11.8th percentile of 103 peers, where the median is 0.425. Selected CRE loans to total capital: TOYOTA FINANCIAL SB reported 0.533, in the 14.3th percentile of 106 peers, where the median is 2.786. Domestic secured CRE noncurrent ratio: TOYOTA FINANCIAL SB reported 0.000, in the 0.0th percentile of 101 peers, where the median is 0.006. Deposit funding ratio: TOYOTA FINANCIAL SB reported 0.851, in the 73.9th percentile of 112 peers, where the median is 0.828. Unadjusted YTD efficiency ratio: TOYOTA FINANCIAL SB reported 0.803, in the 96.2th percentile of 107 peers, where the median is 0.562. Bank equity to assets: TOYOTA FINANCIAL SB reported 0.102, in the 29.9th percentile of 108 peers, where the median is 0.117. Cash and securities to assets: TOYOTA FINANCIAL SB reported 0.225, in the 51.4th percentile of 108 peers, where the median is 0.224. Quarterly loan growth: TOYOTA FINANCIAL SB reported 0.104, in the 93.3th percentile of 106 peers, where the median is 0.015. Loan-to-asset ratio: TOYOTA FINANCIAL SB reported 0.546, in the 10.8th percentile of 112 peers, where the median is 0.697. Domestic loans to domestic deposits: TOYOTA FINANCIAL SB reported 0.650, in the 10.4th percentile of 107 peers, where the median is 0.870. Net interest margin: TOYOTA FINANCIAL SB reported 1.012, in the 4.5th percentile of 112 peers, where the median is 3.648. Net loans and leases: TOYOTA FINANCIAL SB reported 9171436.000, in the 22.5th percentile of 112 peers, where the median is 13066058.500. Nonaccrual loans ratio: TOYOTA FINANCIAL SB reported 0.002, in the 14.3th percentile of 106 peers, where the median is 0.006. Noncurrent loans ratio: TOYOTA FINANCIAL SB reported 0.002, in the 9.5th percentile of 106 peers, where the median is 0.007. Return on assets: TOYOTA FINANCIAL SB reported 0.392, in the 7.2th percentile of 112 peers, where the median is 1.230. Return on equity: TOYOTA FINANCIAL SB reported 3.880, in the 5.6th percentile of 108 peers, where the median is 10.625. Securities to assets: TOYOTA FINANCIAL SB reported 0.164, in the 51.4th percentile of 108 peers, where the median is 0.162. Selected unused commitments to assets: TOYOTA FINANCIAL SB reported 0.000, in the 0.0th percentile of 108 peers, where the median is 0.025. Time deposits maturing within one year: TOYOTA FINANCIAL SB reported 0.404, in the 2.9th percentile of 103 peers, where the median is 0.944. Total assets: TOYOTA FINANCIAL SB reported 16786286.000, in the 40.5th percentile of 112 peers, where the median is 19753629.500. Total deposits: TOYOTA FINANCIAL SB reported 14280397.000, in the 40.5th percentile of 112 peers, where the median is 16174213.500. Efficiency ratio (official UBPR): TOYOTA FINANCIAL SB reported 0.803, in the 96.3th percentile of 108 peers, where the median is 0.562. Net interest margin (official UBPR): TOYOTA FINANCIAL SB reported 0.010, in the 0.9th percentile of 108 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.040, in the 8.4th percentile of 108 peers, where the median is 0.049. Interest Expense as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.032, in the 96.3th percentile of 108 peers, where the median is 0.016. Net Interest Income (TE) % of Avg Assets: TOYOTA FINANCIAL SB reported 0.008, in the 0.9th percentile of 108 peers, where the median is 0.034. Noninterest Income as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.041, in the 98.1th percentile of 108 peers, where the median is 0.007. Non-Interest Expense as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.040, in the 93.5th percentile of 108 peers, where the median is 0.023. Provision for Loan Losses % of Avg Assets: TOYOTA FINANCIAL SB reported 0.006, in the 90.7th percentile of 108 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: TOYOTA FINANCIAL SB reported 0.004, in the 2.8th percentile of 108 peers, where the median is 0.017. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.000, in the 93.5th percentile of 108 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.004, in the 3.7th percentile of 108 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.004, in the 3.7th percentile of 108 peers, where the median is 0.012. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.004, in the 3.7th percentile of 108 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.811, in the 0.0th percentile of 108 peers, where the median is 0.937. Average Interest-Bearing Funds as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.889, in the 90.7th percentile of 108 peers, where the median is 0.717. Interest Income (TE) as a percent of Average Earning Assets: TOYOTA FINANCIAL SB reported 0.049, in the 25.2th percentile of 108 peers, where the median is 0.053. Net Interest Income (TE) as a percent of Average Earning Assets: TOYOTA FINANCIAL SB reported 0.010, in the 0.9th percentile of 108 peers, where the median is 0.036. Net Loss as a percent of Average Total Loans and Leases: TOYOTA FINANCIAL SB reported 0.002, in the 64.8th percentile of 106 peers, where the median is 0.001. Total LN&LS-30-89 DAYS Past Due %: TOYOTA FINANCIAL SB reported 0.005, in the 69.5th percentile of 106 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: TOYOTA FINANCIAL SB reported 0.642, in the 10.4th percentile of 107 peers, where the median is 0.858. Net Income Attributed to Minority Interests as a percent of Average Assets: TOYOTA FINANCIAL SB reported 0.000, in the 0.9th percentile of 108 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: TOYOTA FINANCIAL SB reported 0.000, in the 3.7th percentile of 108 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: TOYOTA FINANCIAL SB reported 0.000, in the 21.5th percentile of 108 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): TOYOTA FINANCIAL SB reported 0.010, in the 6.5th percentile of 108 peers, where the median is 0.018. Return on assets (official UBPR): TOYOTA FINANCIAL SB reported 0.004, in the 3.7th percentile of 108 peers, where the median is 0.012. Return on equity (official UBPR): TOYOTA FINANCIAL SB reported 0.039, in the 5.6th percentile of 108 peers, where the median is 0.106. Estimated uninsured to domestic deposits: TOYOTA FINANCIAL SB reported 0.163, in the 16.0th percentile of 107 peers, where the median is 0.383.
Peer history below covers 32 quarters of TOYOTA FINANCIAL SB's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.789 | 0.032 | 99.1th | 107 |
| Common equity tier 1 ratio | 0.144 | 0.130 | 70.1th | 108 |
| Selected CRE loans to gross loans and leases | 0.109 | 0.425 | 11.8th | 103 |
| Selected CRE loans to total capital | 0.533 | 2.786 | 14.3th | 106 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.006 | 0.0th | 101 |
| Deposit funding ratio | 0.851 | 0.828 | 73.9th | 112 |
| Unadjusted YTD efficiency ratio | 0.803 | 0.562 | 96.2th | 107 |
| Bank equity to assets | 0.102 | 0.117 | 29.9th | 108 |
| Cash and securities to assets | 0.225 | 0.224 | 51.4th | 108 |
| Quarterly loan growth | 0.104 | 0.015 | 93.3th | 106 |
| Loan-to-asset ratio | 0.546 | 0.697 | 10.8th | 112 |
| Domestic loans to domestic deposits | 0.650 | 0.870 | 10.4th | 107 |
| Net interest margin | 1.012 | 3.648 | 4.5th | 112 |
| Net loans and leases | 9171436.000 | 13066058.500 | 22.5th | 112 |
| Nonaccrual loans ratio | 0.002 | 0.006 | 14.3th | 106 |
| Noncurrent loans ratio | 0.002 | 0.007 | 9.5th | 106 |
| Return on assets | 0.392 | 1.230 | 7.2th | 112 |
| Return on equity | 3.880 | 10.625 | 5.6th | 108 |
| Securities to assets | 0.164 | 0.162 | 51.4th | 108 |
| Selected unused commitments to assets | 0.000 | 0.025 | 0.0th | 108 |
| Time deposits maturing within one year | 0.404 | 0.944 | 2.9th | 103 |
| Total assets | 16786286.000 | 19753629.500 | 40.5th | 112 |
| Total deposits | 14280397.000 | 16174213.500 | 40.5th | 112 |
| Efficiency ratio (official UBPR) | 0.803 | 0.562 | 96.3th | 108 |
| Net interest margin (official UBPR) | 0.010 | 0.036 | 0.9th | 108 |
| Interest Income (TE) as a percent of Average Assets | 0.040 | 0.049 | 8.4th | 108 |
| Interest Expense as a percent of Average Assets | 0.032 | 0.016 | 96.3th | 108 |
| Net Interest Income (TE) % of Avg Assets | 0.008 | 0.034 | 0.9th | 108 |
| Noninterest Income as a percent of Average Assets | 0.041 | 0.007 | 98.1th | 108 |
| Non-Interest Expense as a percent of Average Assets | 0.040 | 0.023 | 93.5th | 108 |
| Provision for Loan Losses % of Avg Assets | 0.006 | 0.001 | 90.7th | 108 |
| Pretax Operating Income (TE) % of Avg Assets | 0.004 | 0.017 | 2.8th | 108 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 93.5th | 108 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.004 | 0.016 | 3.7th | 108 |
| Net Operating Income as a percent of Average Assets | 0.004 | 0.012 | 3.7th | 108 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.004 | 0.012 | 3.7th | 108 |
| Average Earning Assets as a percent of Average Assets | 0.811 | 0.937 | 0.0th | 108 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.889 | 0.717 | 90.7th | 108 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.049 | 0.053 | 25.2th | 108 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.010 | 0.036 | 0.9th | 108 |
| Net Loss as a percent of Average Total Loans and Leases | 0.002 | 0.001 | 64.8th | 106 |
| Total LN&LS-30-89 DAYS Past Due % | 0.005 | 0.003 | 69.5th | 106 |
| Net Loans & Leases as a percent of Total Deposits | 0.642 | 0.858 | 10.4th | 107 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.9th | 108 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 3.7th | 108 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 21.5th | 108 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.010 | 0.018 | 6.5th | 108 |
| Return on assets (official UBPR) | 0.004 | 0.012 | 3.7th | 108 |
| Return on equity (official UBPR) | 0.039 | 0.106 | 5.6th | 108 |
| Estimated uninsured to domestic deposits | 0.163 | 0.383 | 16.0th | 107 |
Peer interpretation
$10B–$50B asset cohort · 106 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 107 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | < P25 | < P25 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on assetsROA | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on equityROE | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net interest marginNIMY | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.