Toyota Financial Savings Bank: how it compares with its peers
Against 129 U.S. banks with half to twice its assets, Toyota Financial Savings Bank's strongest measure in Q2 2026 is assets per employee ($75.6M vs. a $10.8M peer median). Its weakest relative measure is net interest margin (1.01% vs. 3.68%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 1.30% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.01% | 3.68% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.32% | 54.69% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $75.6M | $10.8M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.22% | 86.28% | Context |
What it means for lending operations
Its efficiency ratio of 80.32% is above the 54.69% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FirstBank Nashville, TN · $16.76B
- First United Bank and Trust Company Durant, OK · $16.59B
- Banner Bank Walla Walla, WA · $16.59B
- Northwest Bank Warren, PA · $17.21B
- Bank of Baroda New York, NY · $16.24B
- Enterprise Bank & Trust Clayton, MO · $17.36B
Questions about Toyota Financial Savings Bank
How big is Toyota Financial Savings Bank?
Toyota Financial Savings Bank, established in 2004, is headquartered in Henderson, NV. It reported $16.79B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Toyota Financial Savings Bank's return on assets?
0.39% annualized in Q2 2026, against a 1.30% median for 129 U.S. banks with half to twice its assets, ahead of 5% of them.
What is Toyota Financial Savings Bank's efficiency ratio?
80.32% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 54.69%, and lower is better.
Is Toyota Financial Savings Bank growing its loans?
Net loans grew 58.7% over the year to Q2 2026, while deposits grew 40.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nevada bank ranked.