# TOYOTA FINANCIAL SB
HENDERSON, NV · FDIC certificate 57542 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $16.79B | |
| Deposits | $14.28B | |
| Loans and leases | $9.28B | |
| Total equity | $1.71B | |
| Loans / deposits | 64.22% (p12 of band) | 85.78% |
| Liquid assets / assets | 22.52% (p48 of band) | |
| Uninsured deposits / deposits | 16.31% (p18 of band) | 38.39% |
| Brokered deposits | 67.11% | |
| Wholesale funding | 70.53% (p99 of band) | |
| FHLB advances / assets | 3.43% | |
| Tier 1 leverage | 11.06% (p75 of band) | 10.17% |
| Unrealized securities loss / equity | -6.13% (p57 of band) | -7.43% |
| AOCI / equity | -1.00% (p15 of band) | |
| ROA (annualized) | 0.39% (p9 of band) | 1.24% |
| Net interest margin | 1.01% (p6 of band) | 3.57% |
| Efficiency ratio | 80.32% (p97 of band) | |
| Noncurrent loans | 0.20% (p12 of band) | 0.66% |
| Net charge-offs (annualized) | 0.10% (p56 of band) | |
| Reserve coverage of noncurrent | 564.23% | |
| Real estate % of loans | 30% | |
| Construction % of loans | 1.47% (p14 of band) | |
| Auto loans | $4.85B (52.27% of loans; DQ 1.08%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 40.1% | |
| Employees | 222 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 4 |  | liquid assets <10% |
| 2011-12 | 5 | liquid assets <10% |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | deposits shrinking |  |
| 2012-12 | 5 |  | deposits shrinking |
| 2013-03 | 5 |  |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 5 |  |  |
| 2015-09 | 6 | reserve under noncurrent |  |
| 2015-12 | 3 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2016-03 | 5 | losing money, expense ratio p90, NIM <2.5% | charge-offs p90 |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | deposits shrinking, assets shrinking | losing money |
| 2016-12 | 4 |  | deposits shrinking, assets shrinking |
| 2017-03 | 4 |  |  |
| 2017-06 | 6 | uninsured deposits >50%, capital falling |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 5 |  | capital falling |
| 2018-06 | 4 | deposits shrinking | expense ratio p90, uninsured deposits >50% |
| 2018-09 | 3 |  | deposits shrinking |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 6 | losing money, expense ratio p90 |  |
| 2019-06 | 4 |  | capital falling, losing money |
| 2019-09 | 7 | loans exceed deposits, uninsured deposits >50%, run vulnerability |  |
| 2019-12 | 9 | liquid assets <10%, capital falling |  |
| 2020-03 | 10 | losing money, deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2020-06 | 6 |  | expense ratio p90, liquid assets <10%, losing money, deposits shrinking |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | capital falling |
| 2021-03 | 4 |  | uninsured deposits leaving |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | capital falling | loans exceed deposits |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | capital falling |
| 2023-06 | 3 |  |  |
| 2023-09 | 5 | deposits shrinking, assets shrinking |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | capital falling | assets shrinking |
| 2024-06 | 4 |  | deposits shrinking |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 | auto book souring | capital falling |
| 2025-12 | 5 | expense ratio p90 |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57542 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "57542", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide