# MIZUHO TRUST&BANKING CO USA
NEW YORK, NY · FDIC certificate 27089 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $837.5M | |
| Deposits | $752.5M | |
| Loans and leases | $0 | |
| Total equity | $73.8M | |
| Loans / deposits | 0.00% (p0 of band) | 85.45% |
| Liquid assets / assets | 97.58% (p100 of band) | |
| Uninsured deposits / deposits | 96.33% (p100 of band) | 21.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.85% (p41 of band) | 10.27% |
| Unrealized securities loss / equity | 0.00% (p43 of band) | 0.09% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 1.00% (p54 of band) | 0.96% |
| Net interest margin | 1.20% (p0 of band) | 3.65% |
| Efficiency ratio | 79.99% (p88 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.60% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 144 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 1 |  | leverage <7%, capital falling |
| 2013-09 | 4 | leverage <7%, deposits shrinking, assets shrinking |  |
| 2013-12 | 5 | capital falling |  |
| 2014-03 | 3 |  | deposits shrinking, assets shrinking |
| 2014-06 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2014-09 | 2 |  | deposits shrinking, assets shrinking |
| 2014-12 | 2 | uninsured deposits leaving | leverage <7% |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2015-09 | 3 | uninsured deposits >50% | deposits shrinking |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 5 | expense ratio p90 |  |
| 2016-06 | 3 |  | assets shrinking, deposits shrinking |
| 2016-09 | 5 | deposits shrinking, assets shrinking |  |
| 2016-12 | 5 | uninsured deposits leaving | expense ratio p90 |
| 2017-03 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 4 | deposits shrinking, assets shrinking |  |
| 2017-09 | 2 |  | deposits shrinking, assets shrinking |

## 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=27089 (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/17.json (key "27089", 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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