# U S BANK TRUST CO NA
PORTLAND, OR · FDIC certificate 34588 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $3.21B | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $2.94B | |
| Loans / deposits | 0.00% (p1 of band) | 87.10% |
| Liquid assets / assets | 77.30% (p98 of band) | |
| Uninsured deposits / deposits | – | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 98.64% (p100 of band) | 10.50% |
| Unrealized securities loss / equity | -0.01% (p97 of band) | -7.75% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 26.13% (p100 of band) | 1.26% |
| Net interest margin | 3.84% (p59 of band) | 3.70% |
| Efficiency ratio | 27.93% (p3 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 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) (p35 of band) | |
| Deposits YoY | – | |
| Employees | 1920 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 | expense ratio p90 | NIM <2.5%, capital falling |
| 2022-06 | 0 |  | expense ratio p90 |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-07-08 [Presale: BMW Vehicle Owner Trust 2024-A - S&P Global](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSC1XaEE0ZkZjc1dwdUt2d1NScUl4cTBId2tnWnpBVWh3czl3bkIzZVVQdUhrMHdvb1MyR1VJSU1mYlBUMFVkT0lHSGl2ckhBNmQ2WVUzc2szR0pZYlpNUS1sWFJ4ckluUzh0OHcyVjVMSEl2b0U4cEVPSU1ES1gwYjRJTGp1dGtfYUE?oc=5) · S&amp;P Global
- 2022-10-07 [loanDepot Does It Again: Cuts Funding Capacity By $500M For 3rd Time - National Mortgage Professional](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORTRHdllQQW5STTFhX1BVc1plUzBiY1BwT2IwV0RVaGF1bGFwazliYVpmQ1hMeF9RSmltRGxPVkxRUnNKNFpWS3d3T1NPMGNrdlNtYlRfM1pENDhjT2x5cTFSZkZXZkVPbXJ1eHV2WlIwY0Q4U3pfNm81UVplV3VhNlk2b3pKYUt6TEJiQlExY3pFVVpNOXNGY2YwT0wydzZ5VEJrd3k0VUU?oc=5) · National Mortgage Professional
- 2026-03-11 [Presale: Volkswagen Auto Lease Trust 2026-A - S&P Global](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUXFwdE1pVkwtNnVFSlNES1pLOGZVVk1iczJiZ01YdU55TVhXU3hSMWEzOFlIRlU1c3BqN29mbkVZNmdDYXpMM3VEaERPZlB5SGtEQUppYW9IUVk4Y21EUnAyR0p0VHZTTy1sVkNUbTVaT0lUdUZpUVRxWml4X1EwMXNRSjV1aEVmWEE?oc=5) · S&amp;P Global
- 2026-07-19 [Oneida County real estate: See all residential properties sold, July 6-12 - Syracuse.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPR3ZuRS1fMWZ0d3lMNHdxOWZuU0RJV25lTGJRbmhCbmFYa2FCRTIxNUprUUxxWGtPZTN5RjdTbTVFOFBaUk55Znc3aWJMc3hnU25HQmRPRWNnbjVPYnZTemVLTFBSWG1vYzdBOTRHd0w3bXplemIxVDh0eFZINW04X2g1YXB4NTJldkhDdnhRRXRuQ2FmVjJtNlhSOFF1RzdiSWhJSEEza1J1LTlhSFNKWHNGcEpQMG4xa3ZpLWFtNkFYd0E?oc=5) · Syracuse.com
- 2026-06-13 [Hundreds of real estate sales in CT. Here are who sold them in every town - Hartford Courant](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSDUzRS1jdXlic1hyZGJoQ2s4NVVrVnB1eFdFS2VNRDVjMFVYRFRQWW1uUE9veDhGMWsxU21UdlYxdkNHR0gtUlBYZldMYUM2UV9jUFFMc3RzTHcxdzJGYUhsWU1QYXBMZ0o0T1pxSEtJQlp1cTVDb1FvVU5tSF9zNzN1VG9aSFBld2VYaXN4WUJjOXFTa2MtV0RsOGIwcnlsR1ZpX0ltSjdfbEdp?oc=5) · Hartford Courant
- 2025-12-14 [Legal filings in the Triad for the week ending Dec. 12, 2025 - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPeGZFLTFJNHVvaEZIbnZEay03RGUtbnpkNWc5dzYzWEY2OVRhWlZYMWdBUGlkT2JYY1Vpd25wNDZpT05uaFR5MFJndGZCQ2JjTUJxM3V5T2JDMVAwbzY5LXJnckNYQXJyWWZlcHBMSFUzTlhWNlZ2NVFEZ08wbE5hblluTDJCZWt4MFFIMFk0d0VpQl9kMXVrUWY1Vm9uNUVueUZfYlRBSVU?oc=5) · The Business Journals
- 2024-09-02 [East Hempfield Twp. property sold for $5.29M [Deeds recorded: Sept. 2, 2024] - LancasterOnline](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOdHE3OUp5cllxcHYzZWZscGV1UjZuYlloS0hYc21CaWpjMEg2ZlprNnBkWHpyU0NCTHlBeTZVVE03NnVJbWtCRWxYa0V2MEhNaFJTN09nbHU0c2lmWDFCZml2VlNHSF9lT082TWdRSzFyQzZJUXNFeVFzUXRqSC1rZU5qUU9ZUmQzRzkxTzJnTF9GNjlFX2VzTk8wUXhRMHZDOVd1NnpiR192VEEzOWdodHhCZVlEcENRYzh5Ui1TaE40ZFFKV1Q3Y29kWHpaWUVvUUJXRGlHeUZ4RWw3a2pHMVZCWW95QWF1QXlaY2ZBVHd1bDhk?oc=5) · LancasterOnline
- 2024-02-17 [Property Transfers January 29-Feb 2 - Westport Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE9sYXBxSnFSczJZaHZfRFhGYVpDYmw3bmpOMEU3TVVIbEJYT3NLOGZ2THM1Vy11MG5zNzdtalNxLS1UZ25RQVdVOXZFVU56TXdfNGlyUDM3UGI3RlZkd2U4VTNYTFFsZnJEalhJeHVJSTVoRFJQNXdCUWI1Z0d4QQ?oc=5) · Westport Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34588 (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/28.json (key "34588", 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