Toyota Financial Savings Bank
Henderson, Nevada · $16.79B in assets · beside the 11 other the Mountain West banks over $10B (the state alone holds too few in the band to rank)
The filing
Toyota Financial Savings Bank is the sixth largest of the 12 the Mountain West banks nearest its size over $10B, with $16.79B in assets at 30 June 2026. Loans are 65.0% of deposits, 4th of 12 against a median of 89.5%, and equity is 10.2% of assets, 10th of 12. Loans grew +59.4% in the year, the fastest in the cohort, and deposits grew 40.1%; the cohort's median loan growth is +15.6%.
Noncurrent loans are 0.20% of the book, 3rd of 12 against a median of 0.52%; 0.45% is 30 to 89 days past due, and the allowance covers them 5.6 times. Net charge-offs are 0.18% of loans, 5th of 12. Commercial real estate is 10.9% of loans, 7th of 12 against a median of 7.1%, and 53% of capital, below the 300% screen, with construction at 1% against the 100% screen. CRE has grown +66.2% over 36 months, past the guidance's 50% prong.
Return on assets is 0.39%, the lowest in the cohort against a median of 1.84%, on an efficiency ratio of 80.3%, the highest in the cohort. Five years ago it was 0.51%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.
Commercial real estate against capital
| Toyota Financial Savings Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 53% | 7th of 12 | 35% |
| Construction against capital, the 100% screen | 1% | 6th of 12 | 2% |
| Construction and land development, share of loans | 0.3% | 6th of 12 | 0.6% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 10.6% | 7th of 12 | 6.3% |
| Total CRE, the guidance definition, share of loans | 10.9% | 7th of 12 | 7.1% |
| CRE growth over 36 months, the third prong | +66.2% | 7th of 11 | +34.1% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $56.82B | 1.9% | 67.3% | 0.08% | 0.07% | 0.1% | 99.9% | 12.8% | |
| $31.58B | 1.2% | 60.5% | 0.42% | 0.08% | 1.2% | 86.1% | 13.7% | |
| $28.54B | 2.8% | 33.0% | 0.65% | 1.91% | 6.4% | 103.9% | 10.2% | |
| $25.79B | 1.2% | 59.7% | 1.12% | 0.17% | 1.3% | 65.7% | 12.6% | |
| $21.43B | 2.5% | 29.2% | 0.21% | 0.22% | 0.9% | 60.2% | 14.8% | |
| $16.79B | 0.4% | 80.3% | 0.20% | 0.18% | 1.2% | 65.0% | 10.2% | |
| $13.86B | 1.7% | 56.2% | 3.21% | 7.47% | 11.4% | 107.2% | 13.0% | |
| $13.80B | 2.2% | 17.1% | 0.09% | 0.19% | 0.5% | 107.5% | 12.8% | |
| $12.54B | 1.0% | 67.9% | 0.60% | 0.29% | 1.1% | 92.8% | 13.3% | |
| $12.48B | 1.8% | 74.4% | 0.82% | 2.07% | 2.7% | 64.9% | 11.5% | |
| $11.05B | 8.9% | 6.0% | 0.78% | -4.85% | 1.4% | 239.0% | 23.9% | |
| $10.71B | 4.0% | 57.3% | 0.44% | 1.69% | 1.3% | 55.4% | 8.0% |
| Toyota Financial Savings Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.69B | $9.28B | +450% | $3.76B | $10.09B | +169% |
| Deposits | $1.57B | $14.28B | +812% | $6.34B | $12.64B | +99% |
| NPA / loans | 0.13% | 0.20% | +0.07 pts | 0.45% | 0.52% | +0.07 pts |
| Efficiency | 51.9% | 80.3% | +28.4 pts | 52.4% | 58.5% | +6.1 pts |
| ROA | 0.51% | 0.39% | -0.12 pts | 1.75% | 1.84% | +0.09 pts |
This read was prepared for Toyota Financial Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Toyota Financial Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks over $10B
Institution www.toyotabank.com
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