Visbanking Logo
Skip to main content

Toyota Financial Savings Bank

IDRSSD: 3287660
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3287660 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 49.2% of deposits (threshold 30%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.35% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    ↓ -5
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -6
69
Sub-score

Liquidity is stable: brokered 49.2%, loans/deposits 68.4%, cash 5.1% of assets.

Cash / Assets
5.13%
Loans / Deposits
68.45%
Brokered %
49.16%

Watch Items

  • riskBrokered deposits above 30% — Brokered 49.2% of deposits (threshold 30%).

Securities

StrongQoQ -5
80
Sub-score

Securities profile is strong: securities 25.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.87%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 37.21%, CET1 37.21%, leverage 15.92%.

Tier 1 RBC
37.21%
CET1
37.21%
Leverage
15.92%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.00%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.00%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.35% of loans, coverage 2164.6%, true coverage 2164.6%.

ALLL / Loans
0.35%
Coverage
2164.6%
True Loss Coverage
2164.6%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.35% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:53:21 UTC