# TRUST CO OF AMERICA
CENTENNIAL, CO · FDIC certificate 33639 · asset band $300M-1B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $846.9M | |
| Deposits | $806.9M | |
| Loans and leases | $0 | |
| Total equity | $37.5M | |
| Loans / deposits | 0.00% (p0 of band) | 84.92% |
| Liquid assets / assets | 97.63% (p100 of band) | |
| Uninsured deposits / deposits | 5.00% (p2 of band) | 21.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p7 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.14% (p1 of band) | 10.35% |
| Unrealized securities loss / equity | -36.59% (p0 of band) | -2.32% |
| AOCI / equity | -15.02% (p0 of band) | |
| ROA (annualized) | 2.73% (p98 of band) | 1.05% |
| Net interest margin | 1.85% (p1 of band) | 3.67% |
| Efficiency ratio | 62.35% (p35 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.55% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 194 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **securities losses >30% of equity** (`cap_secloss`)
- **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 | 1 |  | NIM <2.5% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 5 | NIM <2.5% |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | AOCI drag >20% of equity |  |
| 2013-12 | 7 | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 3 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 4 | deposits shrinking, assets shrinking | securities losses >30% of equity |
| 2014-09 | 2 |  | deposits shrinking, assets shrinking |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2016-03 | 3 |  | deposits shrinking, assets shrinking |
| 2016-06 | 4 | deposits shrinking |  |
| 2016-09 | 6 | capital falling, assets shrinking |  |
| 2016-12 | 2 |  | uninsured deposits leaving, deposits shrinking, capital falling, assets shrinking |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | securities losses >30% of equity |  |

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

- 2025-05-30 [RIA with $3.1B leaving Schwab's custodian for Axos - InvestmentNews](https://news.google.com/rss/articles/CBMimgFBVV95cUxNa1BuZThqc3RmcjBqYU5Rb2tMdU8xSUNvaGtrS2Q0RXBidDVQYngxX2s2eVhUdHRzbjBqanBpbi0zOU1za0NzUGtQSmpHVkZzQUR2WG4wOTl4MVVZY0VGNlA3cURtUXJ3ZHhWckFhMVZ3Q1JpYTl5SGdCYnRwQlNfaV9uaFdFeVNDYnRkdFNTUVd5cXd0Q09zbHNB?oc=5) · InvestmentNews

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33639 (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/39.json (key "33639", 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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