BlastPoint's Banking Scorecard
Toyota Financial Savings Bank
Mid-Market
Specialty: Other
NV
FDIC cert 57542
Henderson, NV
201
banks in Mid-Market tier nationally
3 in NV
View Mid-Market leaderboard (NV) →
Toyota Financial Savings Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 22% in Mid-Market
- + Loan-to-Deposit Ratio 27.78% below tier
- + Nonperforming Asset Ratio 0.44% below tier
- + Non-Interest Income / Assets 0.80% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Mid-Market
- - Return on Assets 0.86% below tier
- - Net Interest Margin 2.21% below tier
- - Non-Interest-Bearing Deposit Share 20.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.4B
+114.3% YoY
+11.0% QoQ
|
+$5.0B |
$10.5B
+2.9% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$7.6B
+95.1% YoY
+14.1% QoQ
|
+$487.5M |
$7.1B
+4.5% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$13.2B
+129.5% YoY
+10.7% QoQ
|
+$4.7B |
$8.5B
+3.0% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.30%
-38.8% YoY
-2.5% QoQ
|
-0.86% |
1.16%
+9.4% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
1.19%
-9.7% YoY
-7.8% QoQ
|
-2.21% |
3.40%
+7.9% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
73.28%
+66.2% YoY
+6.0% QoQ
|
+16.67% |
56.60%
-3.2% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.12%
+42.2% QoQ
|
-0.57% |
0.68%
+12.0% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
57.69%
-15.0% YoY
+3.1% QoQ
|
-27.78% |
85.47%
+1.1% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -20.64% |
20.64%
-0.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+46.9% QoQ
|
-0.44% |
0.50%
+7.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
15.74%
-42.2% YoY
+0.5% QoQ
|
+2.19% |
13.55%
+1.8% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
1.76%
+62.1% QoQ
|
+0.80% |
0.96%
+7.1% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#12 of 50 · Top 22% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
57.69%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
0.06%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 8%
in Mid-Market
Why this stands out
Current:
1.76%
(Tier avg: 0.96%, National avg: 0.65%)
Concerns (4)
Credit Quality Pressure
risk
#15 of 113 · Bottom 12% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
1.19%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 20.64%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Loan-to-Deposit Ratio
Current: 57.69% · Tier avg: 85.47%
92
92th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.96%
91
91th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.68%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
87
87th pctile
Tier 1 Capital Ratio
Current: 15.74% · Tier avg: 13.55%
84
84th pctile
Total Deposits
Current: $13.2B · Tier avg: $8.5B
81
81th pctile
Total Assets
Current: $15.4B · Tier avg: $10.5B
69
69th pctile
Total Loans
Current: $7.6B · Tier avg: $7.1B
11
11th pctile
Efficiency Ratio
Current: 73.28% · Tier avg: 56.60%
8
8th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
5
5th pctile
Net Interest Margin
Current: 1.19% · Tier avg: 3.40%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
5
5th pctile
Net Interest Margin
Current: 1.19% · Tier avg: 3.40%
8
8th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 73.28% · Tier avg: 56.60%
69
69th pctile
Total Loans
Current: $7.6B · Tier avg: $7.1B
81
81th pctile
Total Assets
Current: $15.4B · Tier avg: $10.5B
84
84th pctile
Total Deposits
Current: $13.2B · Tier avg: $8.5B
87
87th pctile
Tier 1 Capital Ratio
Current: 15.74% · Tier avg: 13.55%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.68%
92
92th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.96%
95
95th pctile
Loan-to-Deposit Ratio
Current: 57.69% · Tier avg: 85.47%