# TRUST CO
SAN ANTONIO, TX · FDIC certificate 34575 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $70.8M | |
| Deposits | $62.1M | |
| Loans and leases | $44.9M | |
| Total equity | $7.6M | |
| Loans / deposits | 71.61% (p51 of band) | 70.88% |
| Liquid assets / assets | 33.72% (p52 of band) | |
| Uninsured deposits / deposits | 49.52% (p99 of band) | 7.86% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 0.36% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.79% (p51 of band) | 9.71% |
| Unrealized securities loss / equity | 0.01% (p34 of band) | 0.79% |
| AOCI / equity | 0.05% (p53 of band) | |
| ROA (annualized) | 0.27% (p27 of band) | 0.66% |
| Net interest margin | 3.49% (p32 of band) | 3.79% |
| Efficiency ratio | 93.79% (p84 of band) | |
| Noncurrent loans | 0.45% (p25 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 188.73% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 151.12% (p96 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 21 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |

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

- 2026-08-25 [Financiers seek to launch second de novo bank in Dallas of '26 - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdndDWWZzZE56WXJZRVBFa2NuQzRIand1N1VGOEFaRURXYXdYLW4zY0Y5Wm91cnc5UXhyVjRGVTV3emp5ODMxenFIVl9UdXdQYzFmZ0x5MW1PRGNVNU9YQlBBakRXQnREOURpUjNBcFh0QThhSXdNQkFPaFFCX21WcEV1S3kxSmQ2QmtvbklzTTZUSDZOSEwtVG9RS21Bc1U5eDliQ3dOeGVZUQ?oc=5) · The Business Journals
- 2026-06-02 [FNBO to Acquire Blue Ridge Bank and Trust Co. in Missouri - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxNd29QbENZZ01hblJRLTZfUjZjXy1GME9TSkJ2UXpqQmNueUtfQ1JWWVRlYmw5QXVEMU11RTlwVFJzSXNqTFd4bERLa2Y5U0hMWU1lN1lMc2pNS0J4Ym1JUXJNVjRtMW9rOEgzNDU1RXdfY25JX3JnMHFPYU5iRjV4SDlUX0R0S2hNbzVsZXUzUXFGNlU1X2t4Z3RUWi1HX2tlZ0otaEJ2ZHc1VjlwRVhqZ0c5c2c?oc=5) · Business Wire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-17 [NDBT Brings Community Banking To Frisco's Fields Development - Local Profile](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSTVFZjBRZkhJcDdmM2dnaWMtR2pUdVFweEtNbGRlWmEtOTh3RnhYSi10NDlVTXdydGVocTBScTBseGRXUnc2dF8yMmRNcTlhZWZVWFFXbWtNOTBFN0NwTGlxazQ0Vlo4ZDAtUnJ5c2xWUnM1T216bG8wY25zQUhfMUJ0ck5VRERWZmh1TEJpV2JSY0dxR2otMWpIbWRaR0JCWjhTZnpreTJNZ9IBrwFBVV95cUxQY3YzRmxDWXhHNTBtUTA1X2pkcVJCQUgzQ0syM0JMd0JQNXN6LS01eWR2aWtFYlZaUlkyVlotSkJqa0Zta3ZxbUY0eTlLNlluUzZrMExZS2ZYXzZXSzdudERnZXFobTZDUVNfRWdkdjN4cmJTeTJaSV9BS1RteEwtVzY5alduQl9nUjM0ZjQ4VnhnVUJFMHdISDR2UFpXWDdzbm9GX1pXQWJaSGNPdWpR?oc=5) · Local Profile
- 2025-11-16 [Garrett Jamison Obituary (1945 - 2025) - Saint Jo - Dallas News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeGdaNU1mYkVBbV9NUGlMbzk2RVc3UUJCaWpDcmNHay1BXzlpcGNsVGpqTGEyQkVXM3ZfcTZCc3hEQWRJSEJqWmdDOXNOLUFGSkVudmxWejhqZTRXVVV2U3p1bW1BQlBjc1pva0lJek1ZMGJ5TUJfNHJseWJubnY4NTVyRy1IZUNFdHRCcXBKQ0hIT3JCTThKSW9GVjloVGx3WFJCNw?oc=5) · Dallas News
- 2020-02-13 [North Dallas Bank & Trust Co. Gives $1 Million Gift To Texas A&M - Mays Business School](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZmowY3lFeWhmcjlBZEdCbEl3LXhTcm1ZbE5Qd3VKb3dyci1xQ011dkpvTmEtelZUbUdvYm1OeW9Oamd6OTRfMkF4OThRbm51VXhWRlprbkVnbG94VEhqR3o3WmVvWm1mN2c4WWo1ZV9aRVc4LWxjZTFNQ3hmZGpiN1RwY0VoRlNwN1U4cnV2Q0VnM3ZwZ2JpS3ByanZEMm8?oc=5) · Mays Business School
- 2026-07-24 [North Dallas Bank & Trust Co. Announces Second Quarter Earnings - GlobeNewswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNQzNOdC1tYi1pMzNja2w0MXV3LTlhYjlvTzZ1R2ZSaWYzVzNJbHNQdEVpQ3FWV1JzNWozTHBWcTlVWDFYRG9WdEdiSUVyUEstSGdTRlRoQWxtcEg2RUlQR2xWWkZjWEh6dmMxYm1LcV9HOXJiRG51M0lMelloS2NGMGRtX1FtU2JtTE42LUtrWWdqWENIcTN5MTZmX1BXUDZuSGRwdmNBTHBtZE81U09faU5oMWlsRTdXS1ZHdGFlZ2FjWlFxTFBLV0c4NjM?oc=5) · GlobeNewswire
- 2022-11-09 [NDBT (North Dallas Bank and Trust Co.) Corporate Headquarters and Dallas Banking Center - Architect Magazine](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPNlVwelptUlRJTEkxR1RfS2wxZWpya3ltVG5wTHZ0eXBvTmtGUlNXMmluQ1NhTzJYLVZITWp2ejNPVG4tT0dfalRDR05UeUNDMEJpRmx1VS1HQzVITWxrMkstN3daZG1hdWFmRjgxN3ZBWGIyQXNITDZjMkEtZUE4MmxoTkNZUWZvb1pqTFlOTlczaC1kWTJ1N2FoSldLdXcxQ1E1S0JJMm5NN1FVdEd3MVEzV0Q1TTZQTFdDQzZ3N01RNzlVZVdwS1FqcVpILS1l?oc=5) · Architect Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34575 (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/15.json (key "34575", 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