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Toyota Financial Savings Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q4QoQ +1

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

Quarterly Headline

2024-Q4

Bank #3287660 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 67.2% of deposits (threshold 30%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.43% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.71% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +3
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
64
Sub-score

Liquidity is stable: brokered 67.2%, loans/deposits 67.9%, cash 2.7% of assets.

Cash / Assets
2.71%
Loans / Deposits
67.87%
Brokered %
67.17%

Watch Items

  • riskBrokered deposits above 30% — Brokered 67.2% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.71% of assets (threshold 3%).

Securities

StableQoQ +3
65
Sub-score

Securities profile is stable: securities 30.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
30.37%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.26%, CET1 27.26%, leverage 13.02%.

Tier 1 RBC
27.26%
CET1
27.26%
Leverage
13.02%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.43% of loans.

ALLL / Loans
0.43%
Coverage
—
True Loss Coverage
—

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.43% 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