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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #3287660 2025-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 69.1% of deposits (threshold 30%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    ↑ +21
  • Capitalization
    ↓ -8
  • Asset Quality
    — —
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +10
80
Sub-score

Liquidity is strong: brokered 69.1%, loans/deposits 56.7%, cash 10.3% of assets.

Cash / Assets
10.31%
Loans / Deposits
56.69%
Brokered %
69.09%

Watch Items

  • riskBrokered deposits above 30% — Brokered 69.1% of deposits (threshold 30%).

Securities

StrongQoQ +21
93
Sub-score

Securities profile is strong: securities 22.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.04%
No watch items at this period.

Capitalization

StrongQoQ -8
92
Sub-score

Capital position is strong: Tier 1 RBC 14.54%, CET1 14.54%, leverage 8.84%.

Tier 1 RBC
14.54%
CET1
14.54%
Leverage
8.84%
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 0.01%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.01%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +6
73
Sub-score

Reserves are stable: ALLL 0.70% of loans, coverage 4025.1%, true coverage 4025.1%.

ALLL / Loans
0.70%
Coverage
4025.1%
True Loss Coverage
4025.1%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% 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