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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-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

2025-Q4

Bank #3287660 2025-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 80.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ 0
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -5
71
Sub-score

Liquidity is stable: brokered 80.4%, loans/deposits 57.7%, cash 5.8% of assets.

Cash / Assets
5.84%
Loans / Deposits
57.69%
Brokered %
80.40%

Watch Items

  • riskBrokered deposits above 30% — Brokered 80.4% of deposits (threshold 30%).

Securities

StrongQoQ 0
93
Sub-score

Securities profile is strong: securities 22.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.74%, CET1 15.74%, leverage 10.42%.

Tier 1 RBC
15.74%
CET1
15.74%
Leverage
10.42%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.6%, NCO YTD 0.13%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.13%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
81
Sub-score

Reserves are strong: ALLL 0.92% of loans, coverage 785.0%, true coverage 785.0%.

ALLL / Loans
0.92%
Coverage
785.0%
True Loss Coverage
785.0%
No watch items at this period.

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